(4.6 / 5)13+ Ratings

Creditero ES Reviews

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Overall Rating

4.6
13 Reviews
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About Creditero ES

Creditero.es is a financial platform that offers microloans and quick, online personal loans. It is a fintech company that provides rapid and transparent financial solutions to address temporary financial difficulties. Here are the key points about Creditero:

  • Loan Amounts: Creditero offers loans ranging from 100€ to 300€ for new clients, with the possibility of increasing the credit line to 1,000€ after the first loan is repaid.
  • Loan Terms: The loan repayment period can range from 5 to 30 days for new clients, and up to 360 days for subsequent loans.
  • Interest Rates: The Annual Equivalent Rate (TAE) ranges from 3,787.23% to 6,245.02%, depending on the loan terms.
  • Application Process: The application process is quick and online, requiring basic personal and financial information. The platform is available 24/7, and the loan can be deposited into the client's bank account in as little as 15 minutes.
  • Security and Legality: Creditero operates under the regulations of the European Union and prioritizes data security, adhering to the General Data Protection Regulation (GDPR).

Creditero is known for its flexibility, transparency, and rapid processing, making it a popular choice for quick financial solutions. However, it is essential to carefully review the terms and conditions before applying, as the high interest rates and fees can be significant.

Creditero ES Pros & Cons

Pros of Creditero.es:

  • 100% Online Platform: Creditero offers a fully online service, allowing users to request loans without needing to physically visit any location.
  • Quick Approval and Disbursement: The platform provides quick approval and disbursement of funds, often within 15 minutes.
  • Flexible Loan Amounts: New users can request loans from €100 to €300, while regular clients can borrow up to €1,000.
  • Flexible Repayment Terms: Users can choose repayment periods ranging from 5 to 30 days, with the option to extend the repayment period.
  • No Hidden Fees: Creditero does not charge any hidden fees, and all conditions are clearly described in the terms and policies.
  • Secure and Reliable: The platform operates securely, certified under SSL, and complies with GDPR regulations.

Cons of Creditero.es:

  • Limited for New Users: New users have a loan limit of €300, while regular clients can borrow up to €1,000.
  • No Acceptance for ASNEF: Creditero does not accept clients with ASNEF or other morosity records.
  • High Interest Rates: The TAE (Annual Equivalent Rate) can be as high as 6245.02%, which is significantly higher than other financial institutions.
  • Penalty for Late Payment: A penalty of 1.25% per day on the outstanding debt can be applied if the payment is not made on time, up to a maximum of 200% of the total debt.

These points summarize the main advantages and disadvantages of using Creditero.es.

Creditero ES Customer Reviews (13)

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Robert Schiffer
Robert Schiffer
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Nov 12, 2024
Rosemarie Mercure
Rosemarie Mercure
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Nov 11, 2024
Darcy Horsten
Darcy Horsten
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Nov 11, 2024
Sacramento Forster
Sacramento Forster
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Nov 11, 2024
Gaston Richer
Gaston Richer
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Nov 10, 2024
Anthony Howells
Anthony Howells
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Nov 10, 2024
Phyllis Ostler
Phyllis Ostler
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Nov 10, 2024
Pelegrino Matos
Pelegrino Matos
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Nov 8, 2024
Torsten Baumgartner
Torsten Baumgartner
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Nov 8, 2024
Joseph Herbert
Joseph Herbert
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Nov 7, 2024

Creditero ES Customer’s Q&A

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Creditero ES Features and Benefits

Key Features and Benefits of Creditero.es:

  • Loan Amount: 100€ to 300€
  • Loan Term: Minimum 60 days, Maximum 360 days
  • Service Availability: Available anywhere in Spain
  • Quick Disbursement: Money received in minutes
  • Flexible Repayment: Option to repay monthly, with a minimum of 10% of the utilized amount plus interest
  • Transparent Conditions: Clear and transparent loan conditions
  • Secure Data Handling: Data protected and treated according to the Spanish Data Protection Law and the General Data Protection Regulation
  • Customer Support: Contact through phone (911 09 57 90) or email ([email protected])

Creditero ES Pricing

Creditero.es offers préstamos (loans) with the following pricing details:

  • Importe (Amount): From 100€ to 300€, with the option to increase to 500€ after the first loan.
  • Plazo (Term): From 60 to 360 days.
  • Tasa de Interés (Interest Rate): Up to 6245.02% Annual Equivalent Rate (TAE).
  • Costes y Comisiones (Fees and Commissions): The TAE includes the interest rate, and there are no additional fees mentioned.

These loans are available online, and the process is 100% digital, allowing for quick approval and disbursement.

Payment Method

Creditero Payment Method

Creditero.es offers fast consumer loans in Spain, with loan amounts ranging from 100€ to 300€. The repayment period can be between 60 and 360 days. The service is entirely online, allowing customers to receive the loan amount in their bank account quickly, often in less than 15 minutes after approval.

Key Features:

  • Loan Amounts: 100€ to 300€
  • Repayment Period: 60 to 360 days
  • Application Process: Fully online
  • Funding Time: Less than 15 minutes after approval

Payment Terms:

  • The loan is repaid directly from the customer's bank account.
  • The exact payment method details, such as specific payment gateways or card options, are not explicitly mentioned on the website.

Creditero ES FAQs

FAQ

Creditero ES Alternatives

The query "Top 10 creditero.es alternatives" is not directly addressed in the provided search results. However, the search results do provide information on alternative credit scoring platforms and other financial services that could be considered alternatives to specific credit scoring solutions. Here are some relevant platforms mentioned:

  1. RiskSeal - An advanced digital credit scoring system that leverages alternative data for lenders, using AI and machine learning to analyze over 300 data points from 140+ online platforms.
  2. Trusting Social - An AI-based platform for alternative data credit scoring, utilizing machine learning and big data to assess creditworthiness.
  3. CreditVidya - A digital credit scoring solution focused on improving financial inclusion, using unconventional data sources to assess potential risks.
  4. Mobile Lending - A fintech company specializing in emerging markets, leveraging alternative data sources like mobile device usage patterns and transaction history for credit scoring.
  5. PayCrunch - A platform that provides a complete scoring system, focusing on Gen-Z consumers and using patterns of behavior and transaction history to assess creditworthiness.
  6. Creamfinance - A fintech company offering credit scoring alternative data and various financial services, using advanced algorithms to assess creditworthiness and manage risk.
  7. HomeCrowd - A platform using alternative credit scoring to help people with limited financial means purchase a home mortgage, incorporating non-traditional data sources like utility payment history and social media activity.

For specific alternatives to credit repair or credit management software, the following platforms are mentioned:

  1. DebtPayPro - A CRM solution for debt settlement and student loan consolidation, offering robust tools for lead management and payment processing.
  2. Cambio - An AI credit improvement tool that helps plan, negotiate, and resolve collections, using generative artificial intelligence to improve credit scores.
  3. Denefits - A software that offers instant financing without credit checks, providing flexible payment plans and guaranteed payments.
  4. Rightfoot - A platform that offers secure connectivity to millions of business and personal accounts, providing a complete financial picture of customers.
  5. Credit Repair Cloud - Industry-leading software for running and growing a credit repair business, offering powerful tools and step-by-step training.
  6. Credit Admiral - A powerful credit management software designed to deliver superior results for clients, ensuring happier clients and referral partners.
  7. The Credit Pros - An AI-driven tool that helps correct inaccuracies and boost credit scores, offering personalized financial education.

These platforms can be considered alternatives depending on the specific needs and functionalities required. However, the exact top 10 alternatives to creditero.es are not explicitly listed in the provided sources.

FAQ

How To Open A Creditero ES Account?

To open an account with Creditero, follow these steps:

  1. Access the Website: Go to creditero.es.
  2. Fill Out the Form: Complete the application form with personal details.
  3. Submit the Application: Send the form for review.
  4. Wait for Approval: Receive notification of approval or denial.
  5. Receive Funds: If approved, funds are transferred to a bank account.

Creditero offers quick loans ranging from €100 to €300 with flexible repayment terms. The process is designed to be fast and secure, with funds available in minutes after approval.

FAQ

Creditero ES Return Policy?

There is no specific return policy information available for Creditero.es. The provided details focus on loan conditions and general terms, but do not address product returns or refunds. If seeking a return policy, it may be necessary to contact Creditero.es directly for more information.

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