Advantages of requesting small-credits
In addition to being fast online loans, the main advantage of applying for a loan in is that it is an interest-free loan or zero interest credit.
That means that if you apply for 3,00 euros on your first loan, you will only have to return those 300 euros within the maturity period you select, which can be 7 days, 14 days or 30 days.
But the fact that we are talking about free small credit is not the only advantage of opting to apply for a loan online.
It is important to mention that the platform requires the minimum paperwork and that, at most, it can request a photocopy of your ID or NIE and a bank statement of the last three months to check your monthly income.
And the latter leads us to another advantage of ‘s 300 euros small credits: without payroll, that is, it is not necessary to have a payroll to access financing.
If you add to all this that the customer service that the company performs by phone is brilliant, there is little doubt that is one of the best online financial institutions to apply for a free small loan today.
How to apply for a quick loan in a step by step
The vast majority of online financial institutions where you can apply for online loans are really easy to use, and the case is a clear example of this.
To receive a transfer of money corresponding to the request for a loan in just minutes it is only necessary to meet a series of requirements and fill out the loan application available through the website
Requirements to request a loan in
To access ‘s free mini-credits, apart from being a new customer and requesting your first loan, you must meet a series of requirements for the approval of the application to take place:
- You have to be over 23 years old, under 75 years old and resident in Spain.
- You must provide your valid ID or NIE.
- Prove that you have a bank account in your name and have an active credit or debit card.
- Have a mobile phone where you can receive an SMS.
- Show bank statements for the last 3 months (special cases)
- Normally, meeting the above requirements it is not necessary to provide any additional documentation, hence credits are considered mini-credits without paperwork.
As you will see, these are loans without payroll, given that the only requirement could require is the availability of a sufficient monthly income to cover the repayment of the loan once approved. This income may come from a benefit, pension or any other legal income.
Of course, if you do not have a payroll, it is most likely necessary to send a proof of income that guarantees that you can face the return of the requested money.
Application for mini-credit and response at the moment
The online platform of Dinerio SLU offers the possibility of requesting an online loan through your .es domain or making the request via telephone.
Whichever option is chosen by the future borrower, if it is your first loan you should know that you can request up to 300 euros that will be increased up to 750 euros in subsequent applications. It is important to note that these limits are not fixed, but vary depending on the study and analysis of the solvency of each client.
In addition to selecting the amount of money you need in the simulator, you will have to choose in what period you want to return it. You have the option to select the return in 7, 14 or 30 days.
With the amount of money and the return period already selected, the simulator itself will show you the total amount to be returned and the deadline for return. In the case that it is your first loan and you request 300 euros in 30 days you will have to return that amount, with 0 commissions, within 30 days.
- May your loan be approved . In this case you will receive an SMS in the mobile phone number that you indicated in the request. The next step will be to receive the money in your bank account through a direct bank transfer made by the entity.
- That your loan is pre-approved. This means that you have almost done it, but you need to expand information by attaching proof of income or personal identification. This is usually done by sending the bank statement of the last three months and/or attaching a photocopy of the DNI.
- May your loan be rejected. There is very little chance of this happening but may reject your fast small loan application. If this is your case, do not worry, you can request it again in a few days.
Costs and interests of mini-credits
How much does it cost to ask for a small loan at? Well, it is a very generic question that does not have a simple answer in the case of most online financiers, but it does in the case of .
The interest on your first loan will be 0. Not one euro more, not one euro less: zero. This means that if you request 300 euros in 30 days, after that period of time, you will return just the 300 euros requested, at no extra cost.
That happens only in the cases of new clients requesting their first loan, but for the old clients the interest is calculated based on the amounts of money requested and the repayment terms.
When the loan repayment date you previously selected (7, 14 or 30 days) arrives, you will have the obligation, as a borrower of the loan contract, to return the corresponding amount of money.
Keep in mind, whatever method of repayment of the loan you choose, it will be necessary to identify the income of the money through the reference of the loan or your DNI/NIE. So will know to which client the bank transfer corresponds and will cancel the loan contract on the scheduled date.
Non-payment of loan
It is possible that, upon the expiration date, you may not be able to refund the amount due. In these cases there is the possibility of extending the loan for another 30 days, but in this case you will have to pay a commission for deferment.
If you do not pay your loan and do not request a deferment of payment, will have the right to include your name in a credit default file and add a 1% daily penalty to the amount due.
And if you refuse to pay the total amount you owe to the financial one, you may end up going to court to solve the problem judicially.
If your case is just the opposite and you decide to advance the loan repayment you should know that will reward you in future loan applications with more advantageous financing conditions.
In short, ‘s free mini-loans offer very good conditions to new customers since they have access to 300 euros without paying any interest or commission. If you need a quick mini-loan and urgently receive the money in your bank account, fill out the loan application now and receive your money in minutes.