CREDITS ONLINE, YOU HAVE URGENT MONEY WITHOUT PAPERS FROM YOUR MOBILE

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 creditomas.es!

  • 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

Details:

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

Details:

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: info@creditomas.es 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: info@creditomas.es Tlf. 910 47 00 47 Chat with operator     × Close

 INFORMATION FORM

EUROPEAN NORMALIZED INFORMATION ON THE CREDIT TO THE CONSUMER

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
Email: info@creditomas.es
Website Address: www.creditomas.es
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
Where:

  • 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 info@creditomas.es 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.