Who is behind this entity?

Crediclaro is one of the best mini -loans and quick loans without guarantees in the market. That is why, in today’s article, we want to make an in-depth analysis about it. Are you ready? Let’s go there!


Who is behind this entity? Is Crediclaro legit?

Crediclaro is an entity different from most of the companies that operate in this sector. And it is for a simple reason: she does not grant credits, but is an intermediary between the credit institution and you. What it does is look for the credits in which you have more success options and redirect yourself there.

It does not seek the best conditions, but those entities in which you have the best chance of being granted credit, by virtue of your characteristics and specific circumstances. Therefore, it is not necessary to assume that the company to which you are redirected is the most appropriate for you.

What Crediclaro does is basically save you time and work , so that you do not have to go from company to company looking at your requirements and trying your luck to see if they grant you the mini credit or not. It is a kind of mini-credit comparison.

Therefore, at the time of granting the credit, it is from the entity to which you request it from whom you must trust or not . In any case, Crediclaro is a guarantee company that offers you all the security and discretion measures that are needed when requesting this type of products.

The mini loan of Crediclaro

Now that we know that it is a reliable entity, we can go on to see what the characteristics of its microloan are. You yourself will be able to verify that they are very good!

  • Minimum amount: € 100 . One of the differences of this intermediary with most of the companies in the sector is that it does not work with very small amounts. This is logical if you take into account that, as an intermediary, they will charge a part to the entity that grants you the credit after having arrived from them.
  • Maximum amount: € 800. The variety of entities with which he works makes it possible to reach very high figures in the case of a loan, with a ceiling of € 800. We are talking about an amount that far exceeds the average of what these entities usually grant, which is an advantage.
  • First credit: up to € 800 . This is one of its strengths. While almost all companies put a limit on the first loan, Crediclaro does not. Since they are not the ones who grant it, they have the peace of mind that you return it or they will not lose money, hence they do not need those limits.
  • First free credit: Crediclaro does not offer a first interest-free credit to prove you. Being intermediaries, they do not need it, so this option that many companies have will have to find it for yourself.
  • Maximum return period: 30 days . This is the normal term in these minicréditos. Care must be taken when requesting high quantities such as those that Crediclaro allows, since the return period is not very high and a single fee is made, which is necessary to have in full with the amount to be returned before it ends the term.
  • Minimum return period: 7 days. It is one of the entities that places the most restrictions in this regard. The fact that they are intermediaries conditions what they offer, hence they are not interested in terms returned below that term. The advantage of that is that you have more time to collect the money you need to pay back.
  • Response time: Minutes. Credit institutions have these processes automated, so in a few minutes you will have an answer to your request. That makes the process accelerate a lot to respond to the urgent need of those who request these credits.
  • Time until you have the money in your account: it depends on the company . Crediclaro can not guarantee this point, since everything depends on the company with which you finally request it. Almost all take a few minutes to enter the money if you share a bank and between 24 and 48 hours in case you have different banks.
  • Other conditions: it depends on each company. In the minicréditos there are other conditions that can make it more advantageous to apply for a loan or another, but in all of them depends on the company with which it is requested. The fact that there is an extension or not, if you can cancel early, the TAE, etc., depends entirely on the entity that grants you the credit.

Requirements to request it and other conditions

As is common in this type of companies, to apply for the mini-credit, it is very important that you meet certain requirements. In this case, they are the following:

  • It is not necessary to have payroll: in the case that you do not have payroll, Crediclaro will look for entities in which you do not have to count on a payroll to request a mini-credit. This is the great advantage of this company, since it avoids having to go from web to web looking for the conditions that each entity offers. Normally, almost no payroll, but have regular income.
  • No endorsement is necessary: as in the previous case, it is possible to obtain a loan without endorsement. Most companies offer you the necessary conditions so that you do not need an endorsement. That makes it very easy to request a mini-credit without an endorsement.
  • It is possible to obtain it while in ASNEF: some entities do not accept people registered in ASNEF and others do. There are even companies where you can receive a mini-credit while at ASNEF as long as you do not exceed certain limits. The advantage of using this intermediary is that you can access all of them, which will direct you directly to whoever accepts you.
  • It is necessary to be a natural person: this type of mini-credits is requested only for individuals, so companies can not opt for them. Although the reason you request is related to your company or any investment related to it, the truth is that the owner of the same must be a person.
  • Valid for freelancers: The self-employed can access from here to those entities that yes that accepts autonomous. Not all do, so you can waste a lot of time reviewing one by one.
  • Valid for pensioners : Anyone who receives a pension can get a mini-credit, as long as it does not exceed the maximum age that some entities put. This causes the search engine to allow them to find those that do accept them according to their situation and their age.
  • Valid for unemployed : Another group that can benefit from this are the unemployed. They are usually accepted in almost all entities, as long as they receive a subsidy or demonstrate having some other regular income that allows them to return the money within the stipulated period.
  • Minimum age: 18 years. By working with a wide range of different companies, Crediclaro makes it possible to get in touch with all entities that do not have an established minimum age, so if you are young you can benefit from it.
  • Maximum age: there is not . There are quite a few entities that set a maximum age, but there are also those that do not. This is a good way to find those credit companies that do accept anyone of legal age.

Procedure to obtain your mini-credit

Given what are the requirements to qualify for the microloan, let’s look at the procedure to follow to obtain it. As you will see, it is a very simple process:

  1. Crediclaro search engine: first, you enter in your search engine the amount of money you want and the term you set for returning it, as well as the reason why you want it.
  2. You are redirected to the entity in which you have the best chance of obtaining the credit . You only have to fill in your information to request it and wait for the answer.
  3. In the event that the answer is affirmative, the money will arrive in a few minutes if you share a bank.

Customer reviews of their microloans

Customer reviews of their microloans

As we have seen, Crediclaro is a different company from the credit entities in this sector, since it is an intermediary . This means that there are many questions from customers about exactly what this company does.

What is most praised is the time you save . It is clear that a search engine is designed primarily for that, since to go from entity to entity looking at all the conditions they offer is very heavy. Therefore, it seems normal to look for speed in a search engine.

There is also a lot of talk about how easy it is for people who have more difficulty accessing a loan, either by age, by being in ASNEF or for any other reason. The fact that Crediclaro is looking for companies that do admit you saves a lot of time.

On the other hand, the critics speak of the fact that you do not need them to find a mini credit, even that this one is more expensive when using an intermediary. This is not true, since financial institutions have their same conditions for all people who request it, regardless of the route they arrive.

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