To give a more agile response without losing security and transparency, loan has been born. We operate completely on the internet so that both the requests of customers and the management of them are much more convenient and faster.

In addition, given that the amounts available are not large, there is no need for endorsements, payrolls or any type of paperwork or documentation. With us, you can get the amount needed to cover that small unexpected expense you need to solve.

Requirements to request a quick credit.

Requirements to request a quick credit.

At Creditomas we are aware that what our client demands is that the loan application process is as simple as possible and that it does not involve submitting paperwork or documentation or having to wait too long to get the answer.

From your mobile, tablet, computer or laptop, it is as easy as connecting to citrus north loan website and selecting the amount and the return period and after completing a simple form with your basic data you will receive a response in 15 minutes.

There are three basic requirements to apply for a fast online loan with us:
• Be over 21 years old.
• Have an ID or NIE in force
• Be the holder of a bank account in a Spanish entity.

Do not worry if you do not currently have a payroll or if you do not have time to collect the endless documentation that you would need to apply for your personal loan in your traditional entity. Creditomas offers loans without payroll and loans without documentation, that is, that your source of income to show your solvency can come by means other than a fixed labor contract and that you should not worry about scanning papers. Your identification through your electronic banking profile of the account where you will receive the mini credit is enough for us to process your request.

Important: Creditomas does not enter into the entities that manage loans with as nef, and it is not possible to grant quick loans to people who are in delinquency files such as Asnef or Badexcug.

Fast loans through the internet to have your money in a few minutes.

When requesting a fast loan online the waiting time to know if they grant us or not, will be much less than if we went to a bank, in a few minutes you will know if your loan is granted and if so, in no more than 15 minutes we will transfer the money you requested.

The speed at which to receive the money is very important, but we also know that it is essential that the loan application itself is also fast. You only have to fill out the application with your contact details and a bank account where you want to receive the money and digitally identify yourself to verify that you are the owner of that account. That’s all, no endorsements, no payroll or any other paper.

Creditomas, an international leader granting microloans since 2013.

Quick loans from Creditomas are the solution to obtain money immediately to deal with all those incidentals and day-to-day expenses. We are endorsed by the Rapid Finance group, present in 5 countries and in which they have entrusted more than 2 million customers.
Creditomas was one of the founding members of the Spanish Association of Microloans, AEMIP and was one of those responsible for developing the manifesto of good practices in the fast credit sector.

The speed, simplicity, and transparency have made us one of the national leaders since we started the project in 2013. We listen to our customers every day and offer the services and products that best suit their needs. We offer:

• Security: commitment to protect our customers’ data.
• Transparency: we offer loans without commissions, without small print or hidden clauses.
• Flexibility: flexible terms and conditions to offer credit instantly 24 hours a day, 7 days a week, and we have a group of more than 25 advisers serving our customers by phone, email or chat on our website.
• Responsible: we are founding members of AEMIP and it has always been our main concern that the industry follows good practice standards to protect the consumer.
• Confidence: all our internal processes, information files, and web page have been audited by the competent entities guaranteeing maximum confidence in the organization, our products, and procedures.

As you can see, requesting a quick loan through the internet is very easy and the answer is immediate. Get your online mini-credit comfortably with!

  • First loan
  • I am already a client

How much do you need?

  • 300
  • 600

– + EUR

For how long?

  • 7
  • eleven
  • 16
  • twenty-one
  • 25
  • 30

– + days


Loan amount Interests Amount to return APR (APR) Return date Receive your loan Information about the Loan

  • First loan
  • I am already a client

How much do you need?

  • fifty
  • 300
  • 600
  • 900

– + EUR

For how long?

  • 7
  • 14
  • twenty-one
  • 30

– + days


Loan amount Interests Amount to return APR (APR) Return date Receive your loan Information about the Loan

From Monday to Friday from 9:00 a.m. to 5:00 p.m.

Opening hours 9:00 – 17:00 E-mail: Tlf. 910 47 00 47 Chat with operator

From Monday to Friday from 9:00 a.m. to 5:00 p.m.

Opening hours 9:00 – 17:00 E-mail: Tlf. 910 47 00 47 Chat with operator     × Close



1. Identity and contact details of the lender.
Lender: Sistemas Financieros Móviles SL
Address: Avenida Bulevar Prince Alfonso de Hohenlohe s / n, Milla de Oro Building, Office 9, 29602 Marbella (Málaga).
Phone number: 910.47.00.47
Website Address:
Registry: Registered in the Mercantile Registry of Málaga, volume 5310, book 4217, folio 151, sheet MA-124432, Inscription 2.
2. Description of the Main Characteristics of the Credit product.
Type of credit: Consumer loan, in the modality known as “online microloan”.
Total amount of credit:
Conditions governing the disposition of funds: As soon as the Loan request is approved by the Lender, once the decision of the Borrower is confirmed, a bank transfer is made to the account provided by the Borrower in the loan application.
Contract period calendar days from the approval of the Loan. When the aforementioned payment date coincides with a day considered to be non-business, the payment must be made on the immediately following business day.
The terms and, where applicable, the order in which installment payments will be made: The Borrower must return the amount set as Loan with the processing costs on the payment date that is calendar days from the loan decision. The borrower must make a single payment of € (loan amount)
Interests and/or expenses: € to pay for the borrower before the expiration date in the bank account indicated on the Lender’s website.
Total amount that you will have to pay: That is, the amount of the loaned capital plus the interest and expenses related to your credit. a single payment of € (Capital borrowed plus interest).
Guarantees required: Do not.
3. Credit costs.
Debtor type: Fixed% for the duration of the Loan.
Annual Equivalent Rate (APR) The APR is the total cost of credit expressed as an annual percentage of the total amount of the credit. % TAE

  • X is the APR.
  • month: the order number of the last credit provision.
  • k is the order number of a credit disposition operation, so 1 ≤ k ≤ m.
  • Ck is the amount of the provision number k.
  • tk is the time interval, expressed in years and fractions of a year, between the date of the first disposition operation and the date of each of the following dispositions, so that t1 = 0.
  • m ‘is the order number of the last refund or payment of expenses.
  • l is the order number of a refund or payment of expenses.
  • Dl is the amount of a refund or payment of expenses.
  • Sl is the time interval, expressed in years and fractions of a year, between the date of the first provision and that of each reimbursement or payment of expenses. 
Is it mandatory to obtain the credit itself, or, under the conditions offered, take an insurance policy that guarantees the credit? Or another accessory service? Do not.
Related costs (expenses for the use of a means of payment, notarial expenses): No, they do not apply to this product.
Costs in the case of late payments. Failure to make a payment can result in serious consequences (for example, forced sale) and make it difficult to obtain a loan. The non-payment at maturity of any amount arranged under the Loan will entitle the Lender to demand from the Borrower, in addition to the unpaid amount, a penalty of 1.00% per day, with a maximum limit of 200% over the principal amount. In addition, for every reminder that we should send you in case of default, 7.50 Euros will be charged.
4. Other important legal aspects.
The right of withdrawal: The right of withdrawal may not be exercised if the Loan has been executed in full by both parties at the express request of the Borrower.
In other cases, the Borrower will have a period of fourteen (14) calendar days to withdraw from the contract remotely, without indicating the reasons and without any penalty.
Early repayment: You have the right to prepay the credit in whole or in part at any time.
The Borrower has the right to return the Loan, in whole or in part, at any time before the agreed maturity date without additional costs. In case of early repayment, the Borrower will be entitled to a reduction of the total cost of the Loan, with a deduction by the Lender of the compensation for the costs derived from the early repayment that will not exceed 0.5% of the amount of the Loan repaid in advance.
Query a database: The Lender may collect information regarding the credit history and risk positions of entities providing information services on creditworthiness and credit (in particular, the Credit Service of Asnef-Equifax and Experian / Badexcug) to carry out risk analysis credit, monitoring, and control of financing.
Right to a project of the credit agreement: The Loan Applicant has the right, upon request, to obtain a free copy of the draft credit agreement. To do this, you must be willing at that moment to conclude the loan contract
The period during which the lender is linked by pre-contractual information The information will be valid from the moment the lender notifies its decision to grant the requested Loan.
5. Additional information.
a) Relative to the Lender. It is not subject to the supervision of the Central Bank of Spain.
b) Relative to the credit agreement: If applicable, the Borrower shall have a period of 14 (fourteen) calendar days in which he may communicate his intention to exercise the right of withdrawal to the Lender leaving the proof of the notification in any way admitted by law.
In the communication you must indicate your name; your ID number and the date of issuance of the Loan Decision.
It must be sent to the following address: Sistemas Financieros Móviles SL. Avenue boulevard Prince Alfonso de Hohenlohe s / n Building Mile de Oro, Office 9, 29602, Marbella (Málaga).
The legislation that the lender accepts as the basis for establishing relationships with you before the conclusion of the credit agreement: Spanish Legislation
Linguistic regime: The information and contractual terms will be provided in Spanish.
c) Relating to the resource:
Existence and access to extrajudicial claim and appeal procedures.
Claims should be sent to the email or, in writing, to the address of the Lender: Sistemas Financieros Móviles SL. Address: Boulevard Bulevar Prince Alfonso de Hohenlohe s / n, Milla de Oro Building, Office 9, 29602, Marbella (Málaga).
Likewise, the Lender is a company adhering to CONFIANZA ONLINE and, in the terms of its Code of Ethics, in case of disputes related to online contracting and advertising, data protection, child protection, and accessibility, it may resort to the extrajudicial resolution system of TRUST ONLINE controversies.

Why can not you save? list of bad habits that prevent you

Image result for cant save moneyAfter reading this article you can have an extra little money thanks to the frequent savings you make. Leave behind the bad habits that we will list in this article.

It is not about becoming rich and not sharing that wealth with anyone but rather about learning what you can do with saving, what it is for and how you can achieve it.  

In the following article, we will share some of those bad habits that get in the way of your desire to start saving quickly. If you identify with any of them, then it’s time to start changing them and see what you can do to make a significant change in your finances.  

The savings will allow you to make large purchases and future investments, whether it is the acquisition of a house or apartment, a car or pay for the education of your children, start saving money can help you achieve these goals. Why can not you save?

1. You save only what’s left over

Surely you have had the intention to save countless times, but you feel as if it does not work. The first mistake you may be making is trying to save only what is left over at the end of the month and the reality is that this is not enough.

Your intention to save must be stronger and with that, you must organize plans to achieve it. Making a monthly budget can be a great help to save as you set a cap on your spending so you can save a considerable part of your salary.

Creating labels is also of vital importance when it comes to collecting money, with that you establish what that amount is for and what the other is for. With this, you would be setting clear goals, for example, a vacation or a computer for your children to move forward with their education.

You may even be saving for things you once considered impossible like buying a modern television screen or hooking up a car.

2. Forget about the goal

It is likely that you have already developed a plan to start increasing your money and your savings and you have forgotten about it. This is about keeping in mind that you are saving money and what you are doing.  

It is very important that year after year you increase the rate of savings you have and that this increase is considerable throughout your years of work. For example, if you achieve a salary increase in your work, not only the number of responsibilities and expenses will grow but also your savings rate.

Keeping track of your accounts for retirement is essential because the costs of not doing so could be tremendous. Retirement savings funds give you the possibility to change your plan at least once a year so you can ensure that you are not saving to save even one of the working days.

If at any time you change jobs, it is essential to keep your new employer informed of the discounts that are made in your payments to keep your savings up to date.

You might think that when this time comes you will not need this money, but you never know what the future holds and that is why it is essential to be prepared for it.  

3. Spending on rent

It may sound strange to you, but when renting a house, you are leaving money in something that will never belong to you.

One of the ways in which money flies and with which it is almost impossible to save, is the expense of renting a home. Many people pay rents throughout their lives and fortunately manage to establish conditions so that costs remain without significant increases for years.

However, lacking their own assets, rents become one of the main cash outlets for many families. One of the goals that should be established in savings should be to buy a house or a department.

Although it is very difficult to make an estate to spend the rest of our days, it is not impossible when you think of everything that can be saved without paying a rent.

In almost all jobs integrated into the formal sector or the government, it is possible to obtain a Schema Ist loan for the payment of a home and the payment made is for real estate that will be yours over the years.

It is important that the payments for that space do not represent more than 28% of the total of your income, otherwise saving for the future can be extremely complicated.  

4. Ant expenses

If you are one of those who thinks that investing about $ 50 pesos a day in a cup of coffee does not have a negative effect on your wallet and that, on the contrary, it gives you the productivity rents you need, you are wrong.

Even though these expenses can be minimal, they are the ones that add up faster and those that can reduce your savings more. You will be surprised to know, but those people who go to a cafeteria daily are the same people who live paying the minimum card and are tied to the interests.

Clearly, these people are destined not to save unless they change the way they consume in their day today.

A budget can help you establish and recognize these expenses that are useless and of which you do not profit, by doing so you can discard them and start spending on things that are really important or, better yet, start a considerable saving for your goals.

The same happens with subscriptions. How many times have you been to the gym since you paid the membership? How many times have you seen the series of the streaming service you are subscribed to? How many of the cooking recipes have you prepared from the monthly magazine that arrives at your door?

Ask yourself that before continuing to pay for services you do not really use. This can represent a significant saving in your life. And do not worry: when you retire, you can do these things and a thousand more.

5. Buy compulsively

Every time you buy clothes, accessories or something else that you love, you release endorphins and start to feel good. Sure, immediately afterward comes a sense of guilt even though you felt very happy with your purchase decision. Ask yourself what I just bought and why I bought it?  

It is not about you feeling bad about your decisions, but there are many people who use purchases in response to different problems and in doing so, they do not realize that they are losing money and acquiring more problems.

If you intend to save, you must first face compulsive purchases. There are other ways to give yourself therapy such as exercising, reading a good book or going for a walk with your friends.

In a few words, you can save money, but not time if you choose to go “gossip” with someone you trust instead of letting your salary go in stores and things you do not need.  

6. Eat daily on the street

It never hurts to go to a restaurant and try delicious dishes of the type of food you like. It is also good to invite your loved ones to a restaurant and share a pleasant chat. Beware, doing that every day could mean one of the reasons why you forget about saving.  

Ideally, you stay on the line and only do this when the situation warrants, meanwhile you can prepare food at home to take it to work or eat at a restaurant that is quite affordable and supports the local economy.

It’s the same as with your coffee: you can buy a thermos, prepare it at home and take it to the office. You will realize that the expense that you eat represented is cushioned as you find new places to eat, compare prices and always delight with new things to try.  

Finally, it is extremely important that in your intention to start saving and to achieve it you learn, literally, to say “no”. This simple word that we learn as soon as we start talking is forgotten when it comes to controlling expenses.

Learning to say “no” works well for love disappointments or to make work decisions, but it is also very important in finance.

When you say yes to everyone, you are acquiring a series of commitments that can be difficult to get rid of, and when you say yes to credit cards and unnecessary expenses you create a financial hole that can later be impossible to cover.

While there is a solution to every problem, planning and prevention are essential to achieving a healthy economy. And if for some reason you have fallen into an economic debacle, keep in mind that you are not alone.

You have time to solve your problems, learn from them and have the help of credit institutions and above all, with the love and trust of your family that will always be present.