If you are looking to obtain personal loans, the financial Creditea offers you several solutions that I think may be of interest to you.
Next we want to show the benefits of this financing as well as its characteristics and conditions.
What is it for, who process them and above all, what requirements does this financial company have?
Because as much as they can be considered as easy loans, this financing will also have its requirements.
By the way, Creditea was previously called Hapicredito so you have to be aware of this first.
If you already knew the financial Hapicredito before, the Creditea brand has replaced it.
Creditea is an online financial company that manages personal loans
This entity in fact offers loans of up to € 3,000 through two ways.
- Credit line
It is a loan of € 3,000 to be repaid within a maximum period of 36 months.
It works as a line of credit with which the client will only pay interest on the capital available.
If the finance company approves € 3,000 but then only makes use of € 2,000, it will only pay interest on the € 2,000.
That is the benefit of choosing this option over the other, that we do not have to pay for the amount approved by the entity.
We can always choose a lower amount and thus benefit from the operation of this financing.
As for the return period of 36 months, we can modify it according to our benefit.
In addition, the term does not really matter because you can always cancel the loan in advance at no cost.
Even if you have signed for 36 months, you can return it if you want in 3 months without any type of penalty.
- Normal and current personal loan
In this credit, the maximum repayment term is 24 months, the amount being the same.
Here you pay for the amount approved by the financier, not being in any case a line of credit.
Regarding the cost or APR, there are no differences between both types of financing.
In fact, the differences between the loan and the line of credit are almost nil.
When to process Creditea loans?
In our opinion they can be useful when we are looking to get urgent money.
That is to say, for needs of speed they can be a good option when answering in minutes.
If we manage well, we can have the money on the same day.
When it comes to obtaining immediate financing, we believe it may be of interest to many people.
Requirements to access Creditea credits
If you want to be able to get one of these loans, the first thing you have to do is meet their requirements.
And these are not so easy to comply with.
And even complying with them, the financial company can then deny you the operation.
In our view, these credits are the most difficult among online credits.
That is, the financial Creditea makes it more difficult to give the money.
And when you approve the financing many times you approve a minimum amount.
For example, clients who request € 3,000 and the finance company only approves € 500.
This is something that we are going to see frequently.
You must have a DNI with residence in United States and be Spanish.
We have verified how people of foreign nationality always end up with the denied application.
- You need to have demonstrable income.
- You should not be on delinquent lists such as Credit Checker FICO or RAI.
- You have to be a private individual to be able to apply for your loans.
Companies do not have access to this financing.
- It is advisable to have a certain seniority in the company.
If you meet these requirements, it is possible that the financial Creditea will approve you some credit.
In conclusion we will give our Creditea opinions
Although it may seem like a different credit, this could be something positive in our opinion, we do not see it the same.
Because although they offer the possibility of giving loans by phone, also giving up to € 3,000, their success rate is low.
And when they approve a loan many times what it does is limit the amount a lot.
We have verified from our company that Creditea is one of the financial companies with the lowest success rate.
In other words, it is one of the companies where there is less probability that you will get the money.
In the end, only the best clients, being these very solvent people, end up granting financing.
Especially when we are talking about obtaining amounts between € 1000-3000.
Getting € 300 or € 500 if it can be more or less easy.
But of course, it is not the request made by the people who come to this entity.
Thus, in our Creditea opinions we value this financial company with a 6/10.
That is our final conclusion about this money company.
