Flexible credit

One of the elements we expect from a loan is flexibility, both in the disposition of the capital and in the repayment terms. In this article we will explain what flexible credit  consists of, its characteristics, advantages, disadvantages and how from Bonsai Finance we help you choose a financial product that fits you.

It offers you a first free provision of up to € 500 if you are a new customer and up to € 1,000 if you have already been granted a credit in the past.

You are interested if

You need a certain punctual liquidity for extraordinary expenses with the peace of mind of being able to take the part of money you want without having to change banks, and the one that does not, leaving it there when you do not need it.

Key points

Short description This is a line of credit that allows you to have up to 1000 euros if you are a client of the entity to be repaid in a maximum of 26 months. The difference with classic credits is that you will only withdraw what you consider appropriate within those limits. If you are not a client, you have additional restrictions that you should know about.
Limits and deadlines In the event that you are a  customer, you will have between 100 and 1000 euros to withdraw when you consider it appropriate. If you are not a client, you will have a maximum of 500 euros. The maximum return period is 26 months and the minimum of 3 months, which you can adapt according to your preferences or needs.
Acceptance times The processing of this credit is extremely fast and, once you send the application and request an SMS to validate it, you will have the money in your bank account in 10 minutes in case it is a collaborating entity (if not, 24-48 hours) . This is the advantage of having a company that performs its online activities, immediacy.
TAE The APR of this loan is 208.31% for a new client that asks for a loan of 500 euros to be reimbursed in 120 days. The daily interest rate is 0.283%.
How to hire it The hiring of this product is done online  through the website of the specialist entity, since the entity only operates through this format.
Main requirements To access this line of credit, the main conditions are to reside legally in Spain, meet the solvency criteria that specialist will establish and be between 25 and 70 years old. As you can see, there is not an excessively high level of demand. Yes it is true that, depending on whether you were a client before or not, you can access a greater amount.

Flexible credit: how is it?

Main features

This product is designed for those who wish to have an extra liquidity cushion for small unexpected expenses and who do not want to carry out eternal banking procedures. If you have to make a timely payment, you will not have problems.

The main added values ​​offered by  flexible credit over the others are, in the first place, the fact of not having to withdraw all available money if it is not desired. Secondly, you have to keep in mind that the money will be in your account in a few minutes. Finally, it is good to know that the flexible credit liquidity criterion does not necessarily imply that you have to have a fixed payroll, being a good alternative for self-employed or other groups.

The disadvantages of this financing formula are based, above all, on the age and disposition limitations. For example, you can not opt ​​for credit if you are under 25 or over 70 and in no case will you have more than 1000, even if you are a client with a background. Therefore, it is a product for those seeking timely financing.

How it works

Once you have decided to apply for this credit, you must enter the web page and fill out a form. Afterwards, an SMS will be sent informing you of the consideration once the operation is pre-approved and Flexible credit will contact you to confirm your identity. You will have to respond by sending another SMS to formally approve the request and, only then, will the money be paid into your account.

This credit is fine if you have an average solvency level, otherwise you should not opt ​​for it because the application will be denied. The maximum amount is 1000 euros, but being a medium or long-term refund product does not fall into the category of quick loans.

Main conclusions

The flexible credit offered by specialist is a good product for those who have an acceptable level of liquidity and want to have a cushion for specific expenses. It is not a line of credit for large expenses, and for professional matters we recommend that you make use of other options.

Like most financial institutions, what specialist wants is to ensure payment of the amounts that have been provided. For this reason, in case you can not, you have the possibility of contacting the entity at least 5 days before the due date and request an extension of 15 days.

The company

Thecompany that started operating in 2005 and specializes in the purchase and sale of securities and in the granting of all types of loans and credits. In practice, it works like a conventional bank with the difference that its core   business is exclusively online , without physical offices.

Direct Credit Cofidis | product review

Cofidis Direct Credit is a credit of up to €4000 that you can return in large installments, depending on the amounts you want to pay. With this credit you can mark the conditions you want without any difficulty.

Cofidis Direct Credit offers up to €4000 in 24 hours for whatever you want. In addition, this loan does not include commissions or links.

You are interested if

You seek to have the maximum speed, flexibility and transparency of a leading company in the sector, with great comfort and simplicity and without explanations (with total freedom, discretion and confidence) and without having to change financial institution. In addition, you do not have opening fees or cancellation fees.

Key points

Short description The Vivic minicréditos are a financing system that have had a great success with which you can obtain quickly the money you need.
In addition, if it is the first time you work with them you can have a mini-credit of up to 300 euros without interest or management fees.
Limits and deadlines The limits are adapted to each situation. The minimum amount to request financing is € 500, while the maximum amount reaches € 4000. The minimum term to return the amounts financed is 13 months, while the maximum is 3 years and 5 months. The minimum age to apply for this credit is 18 years.
Acceptance times The time that passes between the request for funding and the response from Cofidis is 15 minutes. However, the transfer is made within 24 hours once the request has been accepted. Its biggest advantage is the speed with which we get the money we require.
TAE 24.51% APR.

22.12% TIN.

How to hire it The product can be contracted via the Internet or telephone. The telephone attention is made in any of the official languages ​​of the Spanish state.
Main requirements To request a loan is not necessary to have endorsements or explanations, with the following requirements:

– Be over 18 and under 75.

– Have identity document DNI or NIE.

– Have a payroll, pension or proof of income.

– Have a bank account in your name.

Direct Credit Cofidis

Cofidis Direct Credit is a line of credit with amounts ranging from €500 to 4000, asking for any purpose and without explanations. You can choose between several repayment terms: from a maximum of 41 months to 26, 24, 21 or 13 monthly payments.

Main characteristics of the product

  • Flexible. Direct credit adapts to your needs, amounts, fees and repayment terms.
  • Without changing bank entity. Loan with which you receive the money in your checking account, without having to change banks and with a simple operation.
  • Agility and speed. You can receive from 500 to 4000 € quickly from Cofidis and without making any extra procedure.

What are the advantages of the product?

When we seek emergency funding, we make the decision based on the advantages that are offered to us. Therefore, it is important to know the advantages of each offer, so below we explain the most important.

  • Quantity For payments you need, direct credit offers you acceptable amounts that vary depending on your situation. From € 500 to € 4000, these amounts are ideal for dealing with an urgent financial problem.
  • Term The repayment terms are long, reaching a maximum of 41 months and a minimum of 12 months. Thus, we achieve an amortization of the capital without going through difficulties and with really comfortable installments.
  • Without moving from home The administration is totally online , with direct contact with Cofidis and with the possibility of making changes in the installments and installments we owe. In addition, this permanent contact with the company allows us to solve any doubt or incidence we have.
  • Security It is one of the advantages that have more weight in this credit. Adjusting the refund rates to our terms or income is the most important, being able to vary the terms or making the refund fast and in advance without added commissions or problems.
  • Request. To apply for a loan you must access the loan application page, indicate the amount we need and request the desired fee. After filling out an application form, where you will indicate the data and the situation of each one, we will send all the information and, subsequently, the company will contact us.

Conclusions about Cofidis Direct Credit

Direct Credit is a line of credit that is designed to solve different liquidity problems on a day-to-day basis. We can get to request credits on the Internet worth 500 and up to € 4000, without changing banks.

The great advantage of this credit is that you can request the free call service to have personalized attention.

Cofidis, leader in fast loans in Spain

Cofidis is the entity that in Spain is a leader in urgent loans and that has a presence of more than 30 years in the European financial market. This company offers you financing of up to € 4000 in less than 24 hours, requesting by phone or Internet, without changing bank and without the need for endorsements. And without giving explanations.

Can I Trust Cashper’s Minicredit?

There are few mini-credit companies that have a bank card to operate in Europe; this is the case of Cashper, validated by the Maltese authorities. On the other hand, it is not very common to grant financing to people who are in any file of defaulters, and this entity does.

In this article we list the characteristics of your mini-credit and tell you if it is a reliable option for you considering its pros and cons. In this way, you will have the necessary information to decide and make the decision that best suits your interests.

Characteristics of the Cashper minicredit

This mini-credit is conceived as an emergency solution for a punctual problem of payment in people who are solvent. As they are not going to lend more than 600 euros in the best of cases, it is clear that you can not use it if you have a need of greater dimensions. In addition, you must keep in mind that you will not be granted the maximum amount the first time, since it is the confidence you generate that will open new options.

The ways of operating to process the loan are two, so it is an option available to an audience that by definition is diverse. You can use the Internet   and perform the entire online process to request the information and send the documentation. Another option that you can use if you consider it appropriate is the telephone, since they have agents who speak Spanish and who will guide you.

Another advantage of this financial product is that you can receive the money even when you are on a list of defaulters as ASNEF. So it is an opportunity as long as you can face the payments in a timely manner. If we take into account that the percentage of companies that give a loan in these conditions is minimal, this is already an important reason for you to make a practical decision.

On the other hand, you should know that the company has an instant verification system, so that in a few minutes you will know whether or not they grant you the mini credit. If yes, you will have the money in mind in 24 hours if you work with Santander, Caixabank, Bankia or Sabadell.


The requirements for this mini credit are basic, but you have to comply with all of them to have the possibility of accepting the application. You must be between 21 and 80 years old, mobile phone, bank account and income justification   often enough to face the operation. The logical thing is that if you send your payroll the probabilities that they approve the operation increase although this will ultimately depend on the risk analysis that the entity does.

Maximum amounts and return periods

The Cashper mini-credit is progressive, as long as you can access more amount as you prove that you fulfill your obligations in previous operations. The problem is that at the beginning the maximum amount that they will grant you is very small. They apply the principle of trust with clients who comply to ensure collection. At the beginning, you can only access 100 euros, which will be converted into 250   the second time, 350 the third and a maximum of   600 euros the fourth time.

The repayment terms are stable, since a maximum of 30 days (and a minimum of 15) is always set to cover the payment. In the event that you can not return the money at the time, you can request up to two extensions of 30 days if you have requested more than 200 euros. Of course, make sure that you can pay so you do not have problems.

Customer Reviews

The  The mini-credit opinions of this company are varied, depending on the aspect in which we want to focus. As with most products, we can find positive and negative ratings.

The first positive aspect that most users highlight is the   quickly when receiving the money and perform the operation. In this sense, we can say that the company is one step ahead of its competitors because it uses its own verification technologies. Do not forget that this type of financing is urgent, so that taking a short time to approve an operation is essential.

Another point in favor of the people who comment is that the granting of the loan. It is simple, much more than in other platforms because it reaches collectives that do not do it on a regular basis. Not in vain, let’s not forget that it is granted to people on lists of defaulters and that, in the case of those with payroll, the acceptance rate is around 99%. Consequently, if you are looking for a place to find funding after you have been rejected, this is an interesting opportunity.

The main criticism made by users is related to the  recovery policy in case there is a delay in payment. The expeditious methods that some of the agents use are a recurrent complaint because in some cases they exceed the limit of good education, according to what some users comment.

On the other hand, another element commented by some users is that  Interests are somewhat high, although we must remember that this mini-credit is also granted to people with ASNEF. This aspect is essential when considering if we really need this product.

We discover the best paid accounts in the market

The financial market is gradually recovering and the accounts paid during this year 2018 begin to offer us better salaries for those of us who are able to meet the requirements they intend to impose on us.

Generally speaking, when we talk about this type of accounts, the most relevant data that we tend to opt for one option or another is the rate of return, commonly expressed in the format of the Annual Equivalent Rate (APR) to simplify calculations and regulations.

Considering that the Euribor is at very low levels, below 0%, any remuneration offered to us is interesting.

It is important to emphasize that banks do not usually offer these remunerations without conditions and precisely these “ties” are often, to a certain degree, the reason for higher remuneration.

For this reason it is necessary to enter to assess very accurately all the relevant aspects in relation to each of the remunerated accounts that currently stand out in the financial market.

In-depth analysis of the five most interesting remunerated accounts in the market

Next, we will present the most relevant aspects exhibited by each bank or savings bank to invite us to deposit our money with them.

Before starting the analysis, it is important to be clear that the advantage of a paid account versus a fixed-term deposit is found in the availability of money . The paid accounts allow you to withdraw and move the money during the whole month at will and make an interest calculation based on the average balance during the month.

Instead, the deposit requires that the money remain stable and unaltered for a stipulated period to make the agreed interest effective.

1. Banco Evo: Smart paid accounts

The first objective of this bank is that you use this account as a normal transaction system and you are remunerated for it with a somewhat symbolic rate: 0.2% APR. On the positive side, they only require a single condition: have a monthly income of 600 euros. But deep down the advantages can be found in another way:

  • Although the account does not impose maintenance fees, they have a system that they consider intelligent. It automatically takes care of transferring what they consider “surplus”, above 3000 euros, from your main account to an accessory savings account.
  • They give you a credit card that is configurable with a debit format (instant payments instead of postponed at the end of the month).

2. Bankinter’s payroll account

Many users like to move money from one bank to another bank virtually every year. The objective is to find the best offer at the best moment by moving a relatively low balance.

And precisely Bankinter offers this: a 5% APR for the first 5000 euros and a 2% APR during the second year for its remunerated accounts, that is two years at maximum market profitability for a small cap figure.

We only have two conditions: direct debit of more than 1000 euros and a receipt. We must understand that the exceptional thing about this remuneration is that it was not even given a decade ago when the Euribor was at its peak around 5%.

3. The popular 1 | 2 | 3 account of Banco Santander

The objective of Banco Santander with this account is clear: to retain its customers at all costs . For this it offers very good conditions, in exchange for putting all the eggs in the same basket, precisely because the conditions are very demanding in comparison to the two exposed so far.

If it is true that the payroll should not be as broad as in the case of Bankinter (only 600 euros), a total of three direct debits and a regular use of the credit card they offer are required.

In return, the remuneration system of their remunerated accounts is staggered. For small savings of only 1000 to 2000 euros, they offer a 1% APR, if we raise between 2000 and 3000 euros, the remuneration will be 2% APR. But if we go to 3000 to 10,000 euros, we talk about a 3% APR.

4. Maximum remuneration without limit of balance with Wizink

Knowing the Evo Bank account, we have the Wizink Savings Account, which is very similar, with which we can increase this remuneration a bit more to 0.3% APR, but it has a problem.

It is not a paid account per se but a savings account that does not allow direct debits or overdrafts, only free transfers. That is to say that it is an exclusively oriented account, as its name says, to saving.

Wizink a priori, does not offer current accounts in any of its formats , but does not impose any condition on their paid accounts. Possibly it is a less comfortable account than those mentioned above, but it is designed as something more long-term, in which we even raise a deposit that will obtain good remunerations over time.

Bankinter also ventured to offer a type of account equivalent to Wizink, called “COINC Account”, with the same conditions. It is important to highlight this as an interesting alternative.

As a practical idea to optimize the returns this type of accounts can be combined, for example, with the payroll account of Bankinter or 1 | 2 | 3 of Banco Santander, for all those surpluses above 5000 or 10,000 euros respectively, which does not they are going to remunerate us.

5. Openbank Welcome Account

This bank owned by the Santander group has always stood out for offering excellent conditions to its new customers. In this case, they offer us very good remunerations depending on the degree of connection we offer to the bank.

  • During the first 3 months 1,75% TIN without particular conditions
  • From the fourth month, 0.51% APR without conditions and 0.74% APR for those domiciled 600 euros or three receipts (only one of the two conditions). The APR already includes 1.75% TIN for the first three months for the calculation.

And the limit of savings is extremely high, situated at one million euros. We have just left this account for the end, because as you can see, it is possibly one of the most attractive and profitable today .


Personal loans Solcrédito | product review

The Solcrédito personal loan offers you up to € 1000 on your first loan completely free of charge and with a response in 15 minutes.

Get up to € 1000 on your first loan and return it in up to 30 days. Your first loan will have no interest or commissions!

You are interested if

You are looking for a quick loan with a maximum amount rarely seen in this market, and that is also completely free if it is your first loan in the company. In subsequent loans, the maximum amount may increase.


Key points

Short description The Solcrédito loan offers up to € 1000 to be repaid within a maximum period of 30 days, without interest or commissions. It is not necessary to have a guarantee that guarantees your loan and you can have it in your account in a few minutes.
Limits and deadlines In the Solcrédito loan, you can request from € 100 up to € 1000 as the maximum amount for the first loan. The loan can be repaid within a period of between 5 and 30 days.
Acceptance times Solcrédito conducts a search and puts you in touch with the lender that best suits your needs. You can have an answer in less than 15 minutes. If your request is accepted, the lender will make a transfer in your favor. The money will be in your account immediately or within a maximum period of 24 hours, depending on your bank.
TAE The first loan with Solcrédito is totally free. This means that if you request € 1000, once you finish the term you will only have to return the same amount. Therefore, the APR of this loan is 0%.
How to hire it The form of hiring is very simple and is done through the Internet, through the application form found on the Solcrédito website.
Main requirements In order to access this funding you will need to be of legal age, specifically between 18 and 80 years old. In addition, it is necessary that you are resident in Spain and that you have an account in your name in a national bank.

Personal loan Solcrédito: information about the product

Main characteristics of the product

The loan from Solcrédito is a good way to deal with an unexpected event for which you do not have the necessary cash. But, in addition to this loan of up to € 1000, Solcrédito offers you the possibility of getting up to € 40,000 to be repaid in up to 60 months.

The main advantage found by users who have already used Solcrédito is that they can get the money they need quickly and without leaving their home. Also, with the peace of mind of not generating interest on your first loan. The first loan will be totally free.

You do not need a payroll to be able to access the financing offered by Solcrédito, so if you are self-employed or you are receiving an unemployment benefit you can also access the loan. It is even available to people who are in a file of defaulters such as ASNEF or RAI.

However, this loan also has its drawbacks. One of them may be the transfer time. If your bank is different from the entity, the loan may take up to 24 hours to reach your account. But if your entity is the same as the lender’s, you will have the money in your account immediately.

Operation: How does it work?

The first thing is to decide what is the amount you need to request. On your first loan you can request from 100 to 1000 €. Once the amount is decided, it is important to know the term in which you can return it. At this point we recommend that you choose well, because if you do not return the loan in the proper time you can incur expenses for delay.

The maximum term to return this loan is 30 days. But if you decide to apply for a larger loan, up to € 40,000, you will have up to 60 months to make the return.

The second step will be to fill in the information in the Solcrédito simulator and send your request. This step is very simple and it will hardly take you a few minutes. Once the application is sent, you can get a response from the lender in less than 15 minutes.

When the application has been approved, the lender will proceed to send the money to your bank account. This step can occur immediately or take up to 24 hours.

It is worth mentioning that this type of financial products have been designed for people of legal age, with residence in Spain and who need money quickly to solve some unexpected event.

Main conclusions

The Solcrédito loan is a financial product that can be interesting if you need a quick cash injection. The amount offered by the entity is higher than others of the same class, and the fact that the first loan is free is a pretty striking attraction.

However, it is important that you keep in mind that the amount you request will have to be returned in full within a maximum period of 30 days. Therefore, when making the request it is important that you make sure you request the adjusted amount. Of course, you will also need to be sure of being able to return the money when the deadline is met.


Solcrédito offers you up to € 1000 so that you can use them for the purpose you need and for free. Of course, remember that when you make the request for a loan you agree to return it within the stipulated period. In this case, this period is a maximum of 30 days.

The company: Solcrédito

Solcrédito acts as an intermediary between the user who needs to get money urgently and the lender company. This company offers a quick loan from 100 to 1000 € and, in addition, a personal loan with which you can get financing of up to € 40,000. Therefore, it adapts to all economic needs, with the advantage that the first loan is totally free.

Debt reunification loan Cetelem

The Cetelem debt reunification loan is a product that will be ideal if you have several credits for which you pay too many monthly payments. With it, you will see that they are reduced to only one and that this is also lower than the set of letters you paid. In this way, you can live with greater economic relief ..

With the Cetelem Loan for the reunification of debts you can group all the loans that have been for consumption, (it also includes credit cards), so that you only have one single installment during the month .

You are interested if

For unexpected expenses or for any other reason, you have had to ask for consumer loans or credit cards. Without realizing it, they have been adding up and now you are forced to pay several fees that take a good part of your income.


Key points

Short description This product is a personal loan that allows you to refinance all your loans into one and, consequently, reduce all your monthly payments to one. The maximum amount is 60,000 euros and the return period ranges from 12 to 120 months. In addition, it has the added advantage that you will not even have to change banks to obtain it.
Limits and deadlines Therefore, this product allows you to request from 6000 to 60 000 euros. The return period is free to choose as long as it is between 12 months and 10 years. That is, you can return it in monthly installments during the time you prefer between these two figures.
Acceptance times This financial product has an almost immediate acceptance term. You can request it both by phone and through the web. In this last modality, it is enough that you enter the data that it asks for and you will receive a response at the moment. Next, you will have to send the documentation requested and you will receive the final contract back. Your debt reunification will already be under way.
TAE The Cetelem loan has an annual equivalent rate (APR) that varies according to different parameters. But it is available from 11.46% APR (10.90% TIN).
How to hire it You can contract it both by phone and through the Internet, either from a computer or from a smartphone.
Main requirements As for the requirements that you must meet to obtain the Cetelem loan, they are very simple. You must be over 18 years of age, reside in Spanish territory and present economic conditions that guarantee the return of the loan. Regarding the latter, there are basically two. The first consists in having a stable job with an indefinite contract. And the second, have a payroll that allows you to cover both your vital needs and pay the monthly fee. When you send the documentation, we will check if you meet these conditions.


Information about the product

Main characteristics: advantages and disadvantages

The Cetelem debt reunification loan is a personal loan in which you can include all the loans you have contracted. In this way, all the monthly payments you are paying will be reduced to one. And, in addition, this will be lower than the set of those who came paying.

To see it with an example, imagine that you pay five monthly installments for cards and credits that you have hired. The total of these loans is 40,000 euros and the fees you pay for them are 300, 250, 200, 150 and 100 euros. That is, together they add 1000 euros. With the Cetelem credit for 120 months, you only have to pay 548.74 euros.

The advantage is obvious. By contracting this product, you will eliminate all those fees that are drowning you and you will have much more money per month for your expenses. In addition, to obtain it you will not need to change banks and you will have controlled your economy. Also, you can request it from the comfort of your home via computer or phone.

It is really an attractive product that has no study or opening fees and does not require contracting related products. Likewise and once your request is accepted, you will receive the money in 48 hours.

However, it has a disadvantage. The reason why the monthly fee is reduced is that the payment term of the credit is increased. That is, if you contracted your loans for a period of five years, with the Cetelem product you will be paying for ten. In any case, it does not suppose any problem either, because what interests you is to pay less to the month and to be able to live more relaxed.

Operation of the product

You can contract this Cetelem credit both by phone and through the Internet. To obtain it, it is enough for you to be of legal age, reside in Spain and have a stable employment and economic situation, with sufficient income to pay the fees. In this sense, you must have an indefinite contract with at least two years old and a payroll or pension of at least 1200 euros.


In short, the Cetelem debt reunification loan is a very advantageous product for you to solve your economic situation. Virtually no expenses, your requirements are quite affordable, as well as the APR and, thanks to him, you can live more relaxed by having more money monthly.

Corporate Council

If you have several personal credits that prevent you from reaching the end of the month, this Cetelem product will solve your financial situation, by including all your loans in one and allowing you to pay for it through a single installment. However, if you can, our recommendation is that, when hiring, do not ask for the maximum period of time. So you will pay less interest.

Rapid Creditstar Credit

With the Creditstar quick credits you can get up to € 300 on your first loan and up to € 1000 on the following applications, with a term of between 5 days and 3 months.

Creditstar offers up to € 1000 if you are already a customer, easily and quickly, without leaving home.

You are interested if

You need up to € 300 if you are a new customer and want to have a longer return period. You are looking for financing without having to leave the house and without changing banks and without having a payroll or a guarantee to get the money you are looking for.


Key points

Short description The quick loan from Creditstar gives you the option to get up to € 1000 quickly and easily. For new customers, the maximum amount is € 300. However, for those who have already requested a loan with this company, the amount increases and the return period is 5 days to 3 months.

It is an excellent product to face an unforeseen economic situation that requires a disbursement that we are not able to make at that time. It is a good idea as long as you are sure that you will be able to repay the loan within the agreed term with the lender .

Limits and deadlines The limits on the amount vary depending on whether you are a new client, or not. In the case of new customers, the amount they can request ranges from € 50 to € 300. It is not a very high amount but it can solve an unforeseen situation at any given time.

However, if you have already requested a loan with this company, the maximum amount increases. You can request from € 50 to € 1000 and return it within a period of 5 days to 3 months .

Acceptance times The time it takes for Creditstar to assess whether your application is accepted or denied is a few minutes. Once the application has been accepted, the lender will send the money to your bank account.

The real time that money takes to appear in your account will depend on the lender’s entity and yours. This is the usual time for national transfers. You can receive the money immediately .

TAE Being a quick loan of a small amount and with such a quick return, the APR is not a good indicator. To compare this type of products, the “cost per 100 € to 30 days” is usually used. In this case, the cost of this loan under these conditions is € 30.
How to hire it Hiring the quick loan from Creditstar is very simple. You just have to visit their website. In case you are a new customer you will only have to choose the term and amount, register on the lender’s website, pass a simple identity verification and receive confirmation in case the loan has been accepted.
Main requirements Creditstar asks for some requirements to be able to access its financing. These requirements are: be of legal age, have a regular source of income, have a DNI or NIE and have a mobile phone to contact you.

Creditstar accepts clients with ASNEF as long as the amount for which they are on the list of defaulters is low. This condition is added to others, so Creditstar will evaluate each case with ASNEF separately .


Characteristics of Creditstar Quick Credits

Main features

This quick loan has been designed for those who need financing quickly and from home, without changing banks. Creditstar puts at your disposal up to € 1000 if you are already a customer or € 300 if you are a new client.

You can repay this loan within 5 days and 3 months, so it exceeds the term limit of most loans of the same type.

How does it work?

Applying for this loan is very simple. You only need to visit the lender’s simulator and set your deadline and amount to request. Once you have done this and filled in your information, the lender will contact you to give you an offer.

You can have the money in your bank account entered immediately, with a maximum term of 48 hours due to delays in transfers between different entities.


This lender is an option to assess if what you are looking for is to obtain timely and fast financing. If you have an unforeseen economic situation that you can not cope with, such as breaking an appliance or your car, this may be a good option for you.

Within the costs of quick loans is in the middle. In this type of service, the cost per 100 € to 30 days is usually around € 30, as in the case of Creditstar.

Although this type of loan does not require a payroll to access financing, you need to know that you will be able to repay the loan in the appropriate time. Otherwise, you could incur defaults and, for obvious reasons, we do not recommend that you do so.

The company: Creditstar

Creditstar is a company that has been offering financing products since 2006, both in our country and in other European countries. It is part of the Creditstar Group. To date, it has already offered more than one million loans and received the Elite Award «European Business Awards» due to the growth strategy it has carried out.

Corporate Council

From Bonsai Finance we believe that Creditstar can be a good option to take into account if you have an unforeseen expense for which you do not have the necessary money. With Creditstar Quick Credits you can get the financing you need quickly and easily, even if you are in a file of defaulters like ASNEF. Get up to € 1000 without leaving home, without paperwork and without having to change banks.

Bigbank Personal Loan

The personal loan Bigbank is a very interesting option if you need an amount of money between 1000 and 4000 €. In addition, you can return it in up to 60 very comfortable installments.

Bigbank offers you up to € 4000 without leaving home, to return in up to 60 months and without changing bank.

You are interested if

You need a high amount of money that you do not have and you want to obtain financing with a leading company in the sector. To apply for this loan you do not need to change banks or leave the house.


Key points

Short description The personal loan of Bigbank has been designed so that you can obtain the financing you need quickly. With it you can get up to € 4000 in 48 hours, for the purpose you want. You do not need to leave the house and you can get it without additional links.
Limits and deadlines The Bigbank loan offers you from a minimum of € 1000 up to a maximum of € 4000. This loan can be deposited in your bank account within 48 hours from the moment of acceptance.

The return period ranges from 24 to 60 months and varies depending on the amount you have chosen. In addition, you have 2 months warranty, so if you decide that you no longer need the loan during the first 60 days, you can return it in full without paying penalties for early cancellation .

Acceptance times This loan has been designed to be in your account within 48 hours from the moment of acceptance. Therefore, if we compare it with traditional loans, it can be said that the Bigbank loan is very fast.
TAE The APR of this loan is variable depending on the amount requested and the term chosen. To know the exact APR of the loan that you want to request, you can visit the lender’s website. For example, the APR of a loan of € 3000 to be repaid in 36 months is 24.73%.
How to hire it Hiring the personal loan from Bigbank is very easy and fast. You just need to follow three steps. First, you must make sure that you meet the requirements that the lender requests for the concession. Second, complete the application on the lender’s website in a few minutes or call and request your loan.

In a few minutes, Bigbank will contact you to answer your request. If yes, a manager will contact you to confirm that your information is correct and send the contract by email. Access to the contract and the signature are made online , so you can do it from anywhere with Internet .

Main requirements Each lender is different in terms of the requirements you request, although all agree on one thing: they are easy requirements to fulfill. In the case of Bigbank, the requirements are to be between 20 and 75 years old, reside in Spain with a DNI or NIE that proves it and have a good payment history in other financial institutions.


Personal loan Bigbank: how is it?

Main features

With the personal loan of Bigbank you can get from 1000 to 4000 € in 48 hours. You do not need to change banks to access this financing, just as you will not need to leave the house to make the request. The term to return this loan goes from 24 to 60 months.

The personal loan of Bigbank puts at your disposal the amount of up to € 4000 to be returned within a maximum period of 60 months. The fees are very comfortable. This loan is optimal for those people who want financing and are not willing to wait for what a traditional entity takes. In addition, you can request it from the comfort of your home, at any time of the day.

What are the advantages of the product?

One of the biggest advantages that we can find in the personal loan of Bigbank is the speed with which the credit is managed. Although the money is not in your account until 48 hours later, you can know the result in a few minutes.

In addition, it is an ideal loan for those who want a high amount of money that they can not satisfy with other loans. You can request up to € 4000 and return them in really comfortable installments.

As if all this were not enough, you do not need to change banks to get the loan, you do not have linked products and it offers you a guarantee of up to 60 days to cancel the loan for free if you do not want it anymore.


The Bigbank loan is an ideal option if you want a quick loan with no particular purpose. Unlike other companies, Bigbank does not ask you what you need the money for, it simply focuses on whether you are eligible to receive it or not, regardless of your reasons.

However, it is important that you always keep in mind that, although the quotas are very comfortable, you will have to return the loan under the stipulated terms and conditions. That is why, if you are not sure of being able to repay this loan, it might be better to look for another option to finance yourself.

If you are clear that you can return it and need the money, do not hesitate to send your application to Bigbank to get your loan of up to € 4000 in a maximum period of 48 hours.

The company: Bigbank

Bigbank is a financial company with years of experience granting personal loans to people who need urgent money. They think about their clients, given that they adapt the loan conditions to the personal situation of each user. In addition, they put at your disposal a 60 day guarantee to cancel the loan contract without any penalty.

Personal Loan Term

The personal term loan is a type of quick credit that can provide you with an amount of money between 600 and 3000 euros. A process that you can perform from anywhere in the world from which you have access to the Internet.

Term offers the possibility of financing you quickly and easily. Get up to € 3000 without leaving home!

You are interested if

You need an amount of money for any purpose in a fast way, and to return in convenient terms. It offers some flexibility in the non-payment of up to four installments, with increases of 30 euros of interest for each delay.


Key points

Short description The Term loan consists of a fast concession credit of up to 3000 euros to be repaid within a maximum period of 12 months. The process is carried out online and without paperwork, and the maximum amount of the credit is accessible for any kind of client.
Limits and deadlines The personal loan Term allows you to request a minimum of 600 and a maximum of 900 euros for new clients. For clients, the maximum is € 3000. You will see that the terms for the return can vary between 3 and 12 months. It is possible to extend the periods.
Acceptance times Term offers you one of the fastest application acceptance times. In just 8 minutes from your registration and application, during which you will be asked for the documentation you need for your assessment, you will have the answer regarding your acceptance. The money will become available immediately, if approved.
TAE The APR responds to 79.59%, serving as an example the maximum loan of € 3000 to be repaid in twelve months: the loan cost would be 1052 euros.
How to hire it You can hire it at any time and anywhere, with any of the devices that can connect to the Internet.
Main requirements All you need to apply for the credit term is to have an Internet connection, have a mobile phone number, an email, have reached the age of majority, shown with ID, NIE or a passport, and have a bank account to your name.

 Personal loan Term: how is it?

Main features

This personal loan is indicated for you in case you need an immediate amount of money to deal with cases of shortage of liquidity or to finance a personal project in the field of consumption, such as a reform of the home or the purchase of a new vehicle. Term does not require the presentation of payroll, so it is a type of loan with less demanding requirements than others.

The amount of 3000 euros is something that distinguishes this quick loan from those offered by other entities, although it is also true that its initial amount of 600 euros makes it an option perhaps somewhat excessive for cases in which you need immediate liquidity for more modest

How does it work?

Complete the application process for this easy loan. Through any device with Internet access you can access the loan application, which must be completed with your identification data, mobile number, email and ID or NIE. You must also provide the details of your address and marital status, as well as the information of your bank account.

After a few minutes of studying your application, you will receive the answer regarding the granting of your loan, and in the case of affirmative, the deposit of the money in the account of whatever your bank is.


This Term product may suit you in case you need a medium or high amount of liquidity, an amount of money you need in an unforeseen way or with which you want to face the immediate payment of a vacation or the purchase of any other product , and for which a quick microcredit was not enough. In addition, the speed with which they will respond to the request and make the money available is very attractive.

You must bear in mind that, although it is possible to extend the terms of the return and delays are allowed in up to four monthly installments, each month arrears will entail a commission of 30 additional euros.

As a loan, this product is ideal for you if you have enough income that allows you, despite certain contingencies, to regularly meet the quotas. The interests, without being the highest among products of this type, are high, so we recommend you to request it only if you are sure of being able to meet the monthly repayment terms.

As a financial product, it is ideal if you do not have any financial problems and need a certain amount of money instantaneously for reforms or new acquisitions that can not wait

The company: Term

Term is a website that has been specifically designed for the granting of credits online . It is a brand encompassed in the IDFinance group, a major operator in countries such as Mexico and Brazil.

Term is highlighted by highlighting the values ​​of transparency, flexibility, responsibility and security for all customers who access your system. The strengths of its system of concessions are the high limit of up to 3000 euros for the loan and the speed with which the procedures are carried out.

Corporate Council

We estimate this product to be one of the most recommended if you need an average amount of money to face an unexpected payment or the financing of a project or private purchase. You can hire it by accessing your website at any time.

Among its advantages you will find the speed of the application process, which in less than 8 minutes will offer you an answer on the granting of the credit. On the other hand, the money is immediately entered into your account.

Although the interest is a little high, the possibility of extending the maximum terms of up to 12 months and the flexibility in the delays, can help you to repay the loan successfully. Of course, you should keep in mind that you can only delay in four installments, with an interest of 30 euros for each non-payment.

Preston P2P Younited Credit

The P2P Younited Credit loan is the best option if you are looking for a quick and transparent credit. Thanks to Younited Credit you will be able to obtain a loan of between 1,000 and 40,000 euros, with little paperwork and in a fast and simple way.

If you need liquidity and you can show that you will repay the loan, P2P Younited Credit can offer you up to € 40,000!

You are interested if

You need liquidity to finance your projects, unify credits, buy a car or go on a trip. This financial product will make funds available to you almost immediately. Do you need liquidity? Can you prove that you will repay the loan? Then, enjoy its advantages!


Key points

Short description The P2P loan from Younited Credit is aimed at individuals, and allows them to apply for a credit between 1000 and 40 000 euros, not finalist. If you are interested in applying, you can return it within a period of between twenty-four months and six years, at an interest rate whose range covers 5.92% to 10.84%.
Limits and deadlines This loan will allow you to obtain between 1,000 and 40,000 euros almost immediately. You can adapt the return periods between two and six years, according to your needs.
Acceptance times The acceptance of this type of credit is practically instantaneous. After completing the hiring process, a study of your application will be made and you will obtain an immediate preliminary response. At the most, within 48 hours you will be informed of the final decision on the acceptance or not of your request.
TAE The interest rate depends on the credit rating granted by Younited Credit. It will oscillate between 5.92% TIN and 10.84% ​​TIN. This implies that one of the advantages of credit is that it is offered from 6.08% APR.
How to hire it You can apply for this credit through the Internet. As simple as that: from your home computer or from your smartphone while traveling by train.
Main requirements The P2P loan from Younited Credit does not need you to establish a guarantee. However, it does require that you present a payroll, since it is not granted to unemployed applicants or to those that appear in the file of the ASNEF or similar. In addition, you must be under 70 years old.

P2P Loan Younited Credit: information about the product

Main features

If you need liquidity to finance a project, a big purchase or a vacation, this product may interest you. If, in addition, you have proven to pay punctually in the past and you have a payroll, we are sure that you will want to know more.

The P2P loan can put at your disposal up to 40,000 euros, from 6.08% APR. You can return the money within two to six years. And, best of all, you will know if you have been granted it in a maximum of 48 hours!

This loan is fast, transparent and fair, as the interest paid will go directly to the investors. So you know, any need for liquidity between 1000 and 40 000 euros is covered by this loan.

How does it work?

The application process is intentionally simple.

First, you will have to register on the platform and send the form. You will instantly receive a response from Younited Credit, as soon as you study your request.

Then you must formalize your request, for which you will receive the support of the platform’s advisors. You can consult with them any questions that arise during this process of processing.

Once the documentation is provided, the platform carries out the economic analysis. In less than 48 hours you will have issued the acceptance, setting the interest rate. From this moment you will receive the money in your account.

Did you imagine it so simple?


This loan is ideal for dealing with sudden liquidity needs. If you are a good payer, you will get in just 48 hours the money you need to invest in your project or your big purchase, or in consolidating your credits.

Therefore, it is a quick loan, since the preliminary response is obtained at the time of sending the online form, and the final one within 24 hours of receiving your documents.

In addition, Younited Credit is committed to transparency, so avoid hidden clauses and revolving credits. The monthly payment is fixed to avoid surprises, and the return period also.

This type of loan is highly recommended for a worker profile, compliant in the payment, with a medium or medium-high level of income. Of course, insofar as it is a financial product, you must study if you are interested in hiring it.

However, if you have always paid on time and suddenly a need (or a desire) has arisen that supposes an investment greater than expected, this loan will help you to face it.

The company: P2P Younited Credit

Younited Credit is a platform of professional investors that coordinates them to finance projects in a simple way. Their products are aimed at families and they seek to facilitate their access to credit in situations in which they need liquidity.

Thanks to this, the platform is able to offer cheaper loans, since it eliminates intermediaries. So the interests paid by customers do not go to banks, but to professional investors who are part of the community.

Corporate Council

We recommend this loan to meet specific liquidity needs. Keep in mind that the amount you can request ranges between 1000 and 40 000 euros, therefore, is a very versatile credit, which will serve to meet many needs.

Some of the most frequent uses of this product are:

  • The consolidation of credits.
  • The purchase of vehicles or electronics.
  • The amortization of mortgages.
  • The celebration of large events, such as weddings or baptisms.
  • The payment of medical and university fees.
  • The realization of reforms.
  • The launch of business projects.

In short, the P2P Younited Credit loan can serve multiple purposes. Therefore, it is only discouraged when the punctual need for liquidity is of very small amount (for example, a small fine) or when it is not really necessary to contract a loan. However, the consumer must be responsible when contracting financial products.