If you are looking for the best microcredit company, we have to tell you about Créditomas , one of the financial institutions oriented to this market with the best reviews there is. Do you want to know more about them? Well, keep reading!

Who is behind this entity? Is Créditomas legit?

We can say yes. Créditomas is a subsidiary of the Sistemas Financieros Móviles SL group , a company with more than seven years of experience in the sector. This tells us that they are far from new in this. It is not a company that is starting.

The fact that it is a company with experience and travel is something that gives us certain guarantees. With a look through your website you can see that it is not a small website with few resources. Créditomas proves to be a solid company:

This is not just appearances. Since 2012 , the year in which they began to operate, Créditomas understands that it is necessary to create a guarantee framework for users in the sector. For them, this is the basis of the business: transparency and security for the client.

From the same year of his birth, Créditomas, is part of Confianza Online . An organization that aims to safeguard the confidence of users in their processes of navigation, purchase or any other online transaction. This being a clear indicator that it is a company that takes what it does seriously.

In addition, as we will mention later, they advocate adding to their services the most recent comforts and innovations for the client. As in the case of Instantor , which serves to identify users instantly through your bank account.

Finally, as a detail that highlights the degree of reliability of the company, we must highlight something that appears on its website. When they detail the process, the first thing they do is striking: They ask the client to evaluate their economic situation and act responsibly .

The latter may seem like a trifle. It is not: Not all companies are so aware of responsibility for what they do. All this leads us to the conclusion that Créditomas can be considered as a more than reliable option.

The Créditomas mini-loan

Now that we have seen that the entity is reliable, we can take a look at the features that they offer in their mini-credit. I’m sure you love them!

  • € 300 free for new customers : Créditomas has an offer for new customers that is really interesting. The first microcredit is free, that is, they will not charge you any interest. You return what you have borrowed. Nothing else. Yes, the maximum amount to request is € 300.
  • The old clients, between 50 and 900 € : If you have already asked for the first free credit of € 300 and the transaction was closed correctly, you can opt for larger amounts. Specifically, you can request between € 50 and € 900. Of course, in this case you will have to pay interest.
  • Interests in the line of the sector : The interest rate to apply for those loans of old clients, will depend on the return term that this one chooses. It can be calculated in the web simulator. Although they are not low TAEs, they are in the line of the microcredit sector, always higher than those of the credits.
  • You choose the term : You can decide when you want to return the money. Of course, within the parameter marked by Créditomas. Between 1 and 30 days. This range is the most common within microcredit companies.
  • Only fee : As is logical when we talk about such small amounts, the fee must be unique. That is, you can decide when you return it within thirty days, but it must be in the same payment.
  • Extension service : It is within the foreseeable that in some occasions we do not have the amount owed at the date of payment. Although this is the responsibility of the client, there is the possibility of extending said payment, depending on the situation.
  • You can request a new loan, after returning the previous loan: With Créditomas you can request a new loan a moment after returning the previous one. As usual, you can not have two active loans-
  • Surcharges in case of non-payment : As with any credit or microloan company, you will have surcharges in case of non-payment. You will be charged an additional interest and a surcharge of 7.5 euros per reminder. It is the usual within the sector.

Requirements to request it and other conditions

Obviously, to apply for the microloan, you must meet a series of requirements. These are the requirements that you must fulfill:

  • You must be a resident in Spain: In order for Créditomas to comply with current regulations, the client must be a resident of Spain. That is, if you do not reside in Spain you can not opt for any credit. This is common to all companies in the microcredit sector.
  • Have ID or NIE: Logically, to apply for a microcredit, you must have a DNI or, if applicable, an NIE.
  • Be between 21 and 75 years old: In order to receive a loan from Créditomas, you must be between 21 and 75 years old. The minimum of 21 years is a general norm in the microcredit sector and, except for exceptions, it is applied by the majority of companies in the sector.
  • Have a mobile phone line: Both the information regarding the status of your credits and requests as well as any reminder or notification, will be communicated via mobile, mainly by SMS. It is essential that you have the direct access to it.
  • Have a bank account in your name: Once you complete the application process, the money has to be sent to an account that appears in your name. You will not be able to complete the process correctly if you do not comply with this. Again, it is something required by any company in the sector.
  • Do not be in any register of debtors or defaulters: The presence of your name in a debtor’s registry makes it quite complicated for you to be eligible for credit. Although the fact of not appearing in any registry is a requirement, each case is studied.

Procedure to obtain your mini-credit

Procedure to obtain your mini-credit

Once we have seen the requirements that must be met to qualify for the microloan, let’s take a look at the steps to follow to obtain it. As you can see, it is a very simple process:

  1. Register: The first step, as you have already imagined, is to register on the platform. A fairly simple and fast process. It will not take much time or take complications. Créditomas will call you at 10 minutes to confirm information.
  2. Identify yourself: Créditomas, use the Instantor tool to identify yourself. The process is simple. Select your bank, enter the online banking credentials and ¡Ready! In the event that your bank is not selectable, you must wait for it to be added.
  3. Receive your money: At the moment in which the amount you requested is transferred, Créditomas will contact you via SMS. The money will arrive quickly, although it will depend on the bank if this process takes a little longer. If the account is with one of the banks with which they work, it will be immediate.
  4. New loans: After you repay your first microloan, you can choose to apply for new loans for amounts up to € 900. In this case, you can process it in the private area of the Créditomas website.

Customer reviews of their microloans

Customer reviews of their microloans

As always, the best thermometer to measure the reliability of a company are the opinions of those who are already or were customers before us. If we review what the clients of Créditomas say, we can say that the opinions are quite positive . Clients convey good feelings of their experience.

They emphasize, above all, its usefulness . Créditomas serves to solve those things that catch us unexpectedly. That is what they want to solve and it is the best way to approach the service. Clients understand it as a resource that is truly useful.

You can read a lot of positive feedback about your offer for new customers. The first free credit for amounts up to € 300 likes (and a lot). It is described positively for its speed, simplicity and cost. The latter is easy to understand: COST 0 EUROS.

On the other hand, you can see some negative reviews based on the interest rates applied from the first credit. While they may be considered high, as we have said, it is general. We are talking about a microcredit, not a credit .

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