Personal loans

From test.com we will make it easier for you to find personal loans or online credits that fit your financial needs. Finding the one you need can be a long way, due to the number of types and financial companies that offer them.

The arrival of the Internet has brought very positive things, also some negative ones, but in relation to the financial world it has served so that consumers can learn more about aspects that were surely ignored before. We have a very clear case with personal fast loans .

Request your personal loan here

If you are looking for financing, from the table that we show you below you can request the most suitable product for your interests. Access with the request button and we will redirect you to the entity:

Entity information
Apply for
Crezu 97% PASS
First Loan up to € 1500 at 0% INTEREST
Returns: up to 90 days.
Up to € 1500
Apply for
WITH ASNEF
Prestamon 96% PASS
1st mini-credit € 1000 0% INTEREST
Return between 91 and 120 days
Up to € 3000
Apply for
WITH ASNEF
credit party EVEN WITH ASNEF
1st mini-credit € 1000 FREE
Return between 62 and 65 days
Up to € 1000
Apply for
FREE
My money now FREE FIRST CREDIT
Up to € 1000 in 15 Minutes
Return: 3-60 months.
7 days free, then € 37.99 if not canceled before.
Up to € 9000
Apply for
WITH ASNEF
openbank loan Open Account + Card
No fees or commissions
You can order up to € 24,000
Free Credit and Debit Card.
No commissions
Apply for
PROMOTION
welp DISCOUNT -50% INTEREST
1st credit up to € 1500 in 15 minutes
Return: up to 6 months.
No endorsement or payroll
Up to € 7,500
Apply for
NOT ASNEF
60,000 euros with bankinter Account + Card
No fees or commissions
You can order up to € 60000
Free Credit and Debit Card.
No commissions
Apply for
PROMOTION
Abanca loan Abanca + Card Account
No commissions or expenses
You can order up to € 60000
Free Cards
No commissions
Apply for
Younited loans LOW INTEREST
From 6.34% APR Up to € 40,000
Return: 24-72 months.
Up to € 40,000
Apply for
NOT ASNEF
My Credit Ok FIRST CREDIT 0% Interest (With Asnef)
Up to € 5000 in 15 Minutes
Return: 2-48 months.
7 days free, then € 29 if not canceled before.
Up to € 5000
Apply for
WITH ASNEF
CREDITEA LOANS LOW INTEREST CREDIT
First Credit up to € 5000 in 15 minutes
1st DISPOSAL FREE
Return: Up to 36 months.
Up to € 5000
Apply for
NOT ASNEF
Debt Cancel your Debts EASY and FAST
Get out of asnef NOW! Over 28 years
Free Study
100% Success
Apply for
NOVELTY
Finzmo online loans ASNEF ACCEPTED
Return: 6-60 months.
Without endorsement, with income
Up to € 10,000
Apply for
OUTSTANDING
Solve your debts Cancel your Debts EASY and FAST
Get out of asnef NOW! Up to 50%
Free Study
90% Success
Apply for
WITH ASNEF
Gedescoches CAR AS GUARANTEE
Return from 3 to 24 months.
Up to € 10,000 in 24 hours
No payroll or income.
Up to € 10,000
Apply for
WITH ASNEF
My solvency 97% PASS
1st loan Up to € 10,000 LOW INTEREST
Return between 3 and 60 months
Up to € 10,000
Apply for
WITH ASNEF
fedoro ACCEPT ASNEF-RAI
1st credit up to € 1000 0% INTEREST
Return: 3-60 months.
Cost: € 3 poop 5 days. (If you cancel before 5 days, nothing is paid)
Up to € 10,000
Apply for
FREE
Fintonic LOW INTEREST
Return: 3-90 months.
LOW INTEREST
Without paperwork - From 4.75% APR
Up to € 50,000
Apply for
NOT ASNEF

Do you need money instantly?

And if what you need is money urgently to save a specific unforeseen event, you can opt for online personal loans with which you can request up to 2000 euros and have the money in your account in less than 15 minutes. Faster impossible. Access with the request button and we will redirect you to the entity:

Entity information
Apply for
Crezu 97% PASS
First Loan up to € 1500 at 0% INTEREST
Returns: up to 90 days.
Up to € 1500
Apply for
WITH ASNEF
Prestamon 96% PASS
1st mini-credit € 1000 0% INTEREST
Return between 91 and 120 days
Up to € 3000
Apply for
WITH ASNEF
credit party EVEN WITH ASNEF
1st mini-credit € 1000 FREE
Return between 62 and 65 days
Up to € 1000
Apply for
FREE
My money now FREE FIRST CREDIT
Up to € 1000 in 15 Minutes
Return: 3-60 months.
7 days free, then € 37.99 if not canceled before.
Up to € 9000
Apply for
WITH ASNEF
Vivus FREE FIRST CREDIT
1st mini-loan up to € 300 Free
Return between 62 and 90 days
Up to € 1000
Apply for
FREE
Moneyman ACCEPT RAI-ASNEF
1st mini-credit € 300 FREE
Return: 5-62 days.
Up to € 1,300
Apply for
FREE
My Credit Ok FIRST CREDIT 0% Interest (With Asnef)
Up to € 5000 in 15 Minutes
Return: 2-48 months.
7 days free, then € 29 if not canceled before.
Up to € 5000
Apply for
WITH ASNEF
Solve your debts Cancel your Debts EASY and FAST
Get out of asnef NOW! Up to 50%
Free Study
90% Success
Apply for
WITH ASNEF
fedoro ACCEPT ASNEF-RAI
1st credit up to € 1000 0% INTEREST
Return: 3-60 months.
Cost: € 3 poop 5 days. (If you cancel before 5 days, nothing is paid)
Up to € 10,000
Apply for
FREE

Online personal loans

Before the arrival of the Internet in our homes, the only possibility we had to negotiate the best conditions for the financial product we were looking for was to sit down with the director or deputy director of a bank branch and have a lot of patience in the negotiation.


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Not to mention the time wasted going bank by bank comparing the conditions of each long-term personal online loan .

Currently, it is not necessary to act like this, if you are minimally knowledgeable about the Internet, you will know that there are many websites to compare long-term online personal loans , very widespread especially in Anglo-Saxon countries and in recent years also widely used in Spain.

alternative urgent loans

Financial comparators carry out a very complete search for personal loans online and among all the conditions offered by each of the entities and shows them according to the order that we have previously indicated or the possible filters made (showing extensive information on the interest rate applied, the opening or cancellation commissions according to the amount and the return period that we have previously selected, among others).

Types of personal loans that exist

In general, the type of loan is determined by the purpose of the capital requested from the entity. There are several types of online loans that banks and other financial entities grant depending on the amount of money granted or the repayment terms.

It is useful to know the types of online personal loans that exist in order to better decide which is the one that best suits our needs.

Installment credits. It is the best known form of online credit according to which the financial institution, be it a bank, a box or any other, enters the amount of money in the applicant's account and the applicant has a certain period to pay the fees.

Short-term online loan. They are the so-called fast online credits. It is divided into several types, in turn, depending on the use made of the borrowed money. The usual thing is that the money is requested to achieve objectives, such as cleaning accounts or acquiring inventory.

As they are fast loans without payroll , the payment terms are agreed based on the time necessary to achieve the objective and, due to the lower number of installments, there is less interest.

Long-term loans. Here come from online credits to mortgage and business loans. They are those that last more than a year and are requested to acquire real estate or to increase the production capacity of companies.

Therefore, the repayment term is much longer than that of the rest of the loans. In the case of companies, it is the profit generated by the investment that pays for it

Credit line. This type of credit is associated with a card that the customer can use freely and to which the entire amount that he consumes is charged. The cost that the card owner can make is limited by prior agreement with the bank.

The refund of the amount carries interest that must be paid based - exclusively - on the amount that the user has spent. This represents a great advantage for the utility and the lower interest rate that this system has compared to other financing methods.

Each of them is designed to fit the needs of a specific customer profile. Therefore, each of these personal loans has different repayment terms and conditions. They allow many people to achieve the objectives that they set out and that - otherwise - they could not carry out.

Tips when hiring an online loan

It is easy to confuse an online credit with a personal credit, largely due to the familiarity with which these financial products are spoken. Due to this we must be careful before deciding which one we are interested in.

As an example, the interests in an online credit are higher, since when we talk about the first, we are really talking more about a line of credit.

Then there are online loans that, although easier to process, the amount is much lower and the interests skyrocket. Thus, although similar in their family terms, they are not so.

As a first tip, focus on the repayment terms and the interest of long-term online credits. Keep in mind that the longer the term, the higher the interest to be paid. And obviously, the higher the percentage of the interest rate, the higher your debt will be with the bank or finance company.

It must be borne in mind that the interest rate of online loans will be influenced considerably depending on the months or years that we consider appropriate for the return of the loan. Speaking clearly, the longer we take to return the money, the higher the interest we will pay to the bank or financial institution.

We have talked about what are perhaps the most relevant points to which we have to pay attention about online loans, but these are subject to other conditions that will be agreed before the formalization of the contract.

On the one hand, we will have the commissions, which can be the opening of the online loan, study, partial amortization or total cancellation. We will emphasize that these commissions tend to vary quite a bit from one bank to another, so we must clearly verify the conditions of each bank. Always remember the small print, lest we get upset.

Do not forget to be clear about the destination of the money, that is, what are we going to use it for? If it is for small amounts, it is best to amortize it as soon as possible, that way we will pay less interest.

If, on the other hand, a larger or higher amount is needed, such as a car or something more expensive, the ideal is to extend the repayment period of online loans so as not to be very fair in the monthly economy.

Considerations before requesting personal loans

When we talk about long-term loans, few people have a solid financial education. In reality, only those who study careers or professions related to the financial world end up being aware of the operation of the system.

But, shouldn't this knowledge be of a more general nature among the Spanish population? Shouldn't we all know how to manage our financial affairs with personal loans properly?

Unfortunately, during the compulsory training years nothing is taught about this kind of responsible behavior that would benefit the vast majority of people in the workforce.

In high school, there are those who learn something about the economic system but it is insufficient to ensure a sustainable balance in personal finances.

Analyze the situation before applying for loans online

Before signing a binding contract, we must understand the terms and conditions of the financial service in question. The key to this first step is to understand what the service is about and what it entails.

For this we can - and must - ask the necessary questions to clarify any type of doubts in the moment prior to hiring. Since it is currently possible to hire loans online without paperwork, it is advisable to study the conditions of the services on the financial pages.

There is usually a telephone number and a contact e-mail (if not, we should consider not using the service) at our disposal to answer any questions.

The fundamental steps to obtain the financing that you need so much are the following:

  • In most of the online financial pages you will find a very easy-to-use simulation tool that will allow you to know the approximate conditions of the long-term personal credit that you are going to request.
  • Next, you must fill in and send the online application form and wait to receive a response from the financial institution.
  • Some financial institutions have two validation options. One of them is instant and is based on the Instantor platform used by various fast-track finance entities to streamline the process. Another option is standard online validation by submitting certain documentation along with your personal information.

My number one recommendation before hiring an online loan is "do nothing in a hurry . " Ideally, you should know the conditions before ordering so that you can formalize the process when you need it.

Instead, deciding urgently motivated by the need to apply online will only lead you to hold on to a burning nail.

We must be very careful when looking for financing since it is not only about being able to pay the installments but also about obtaining economic sustainability thanks to the capital we receive.

Tips to get your personal credit without paperwork

Many financial entities consider other factors, such as your history as a client in that entity, if you were. If your income has been irregular in recent years or there are figures in the red in your history, you will have more complications to get the loan.

Here we will list some suggestions and considerations for you to take into account before applying for a personal loan:

  • Objectively analyze your debt capacity.
  • Agree on a repayment term according to your possibilities. Keep in mind that while paperwork-free loans require a lower monthly payment in the long term, you will have to pay more interest in the long run. When you obtain a short-term credit online, the interests are lower.
  • In each financial or banking entity where you consult about their offers, request a simulation that includes an amortization table. This will help you easily visualize whether the product they are offering you really meets your expectations and needs.
  • If you intend to apply for a personal loan in order to face payments that are not of great consideration, try to evaluate other options whose interests are lower in comparison.
  • It is vitally important that you carry out a comparative analysis in different financial entities. To carry out this evaluation, it is vitally important that you take the APR as a reference, since it determines the true cost.
  • Try to negotiate the interest rate and commissions that affect the amount of personal loans requested.
  • Once you have agreed and accepted the conditions of the contract, claim and keep a copy of all related documentation (contract, receipts, among others).

Help yourself with long-term loan comparisons

It must be taken into account that most of the offers published by financial institutions are captured by loan comparators, so the user who uses these tools to find personal credit that suits their needs will be able to find the existing offer at any time in each entity.

That said, it is highly recommended to use a personal credit comparator, such as bankimia.com, to mention one of the most important.

This is probably one of the best options before consulting financial institutions as such, unless we are clients, whose preference we should take into account as long as we are clear about our solvency in order to obtain better loan conditions.

comparativa prestamos personales

Taking into account the aforementioned, it should be noted that when using the personal loan search engines we will obtain information from different banks and financial institutions, being able to consult in just a few mouse clicks and in a few minutes many of the conditions stipulated by each entity.

Among the information that the comparison will give us, we will be able to see the interest rate applied depending on the amount and the repayment term of the same, in addition to the commissions (if applicable), applied differential and other related expenses.

The conditions and terms of online personal loans vary from one entity to another. In particular, the fees change as well as the amount, the processing and return deadlines.

These differences are not very noticeable between some of the services but they can make a difference in some cases. In general, interest-free loans are offered with similar terms and conditions, but never the same. Therefore, it is up to you to find the service that best suits your current financial needs and circumstances.

Responsible use of online credits and personal loans

The banks recommend the responsible use of the money that is requested. Since the requirements of this type of financing are not highly exhaustive compared to the more traditional forms of online credit, it is easier to fall into default if the amount of the installments is not estimated properly. Also, if you have an unstable financial situation, applying for a long-term loan is not recommended.

Among online financial institutions there is usually a high level of approved requests, around 8 out of 10 clients get the money they urgently need. Remember that the fundamental thing is to use a reliable service to have the right financing at the right time.

For this you will have to try on a previous occasion when you are not too urgent to get the money. If the entire process goes smoothly from the request to completing the return, you will be sure that the service you have contracted is absolutely effective in those crucial moments in life when you cannot make ends meet.

To get the financing that you need so much, you just have to attach the necessary documents along with the application that you present on the official page of the financial service you are going to hire, it is that simple and very fast.

Try one of these credits online today!

In short and summarizing; If we have good solvency, the ideal is to go first to our bank to see what conditions they offer us. Once we have said documentation, it will be easier to compare it by comparing it in search engines.

In conclusion, there is a loan for each type of client and for each purpose. To find the one that best suits your profile and needs, you just have to carefully analyze the types that exist. All the characteristics will depend on your choice, from the interest to the repayment term.

If you have doubts, visit our loan guide where you will find information about the generalities and characteristics.


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Presmospersonalesnet.es is a mini-credit, loan and credit card comparator. We are not a financial institution nor are we lenders. We are not responsible at all nor do we have anything to do with the products that appear on our website. We are not responsible for the accuracy, veracity, timeliness and usefulness of the products, content and services offered, nor for the subsequent use that the USER makes of them. The responsibility of checking if the information is correct rests with the User. Trust is our motto. Personal Payments is made up of financial advisers who are experts in finance matters. Presimospersonalesnet.es complies with the Organic Law (LOPD). It also complies with the Regulation on the (RGPD). And Law 34/2002, of July 11 (LSSICE or LSSI).

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