Personal loans

Online personal loans

Personal loans are those requested by individuals to finance assets necessary for day to day.
Within this type of personal credit we find different classes, taking into account the multiple needs that we may have when wanting to apply for a personal loan or credit.

REQUEST YOUR PERSONAL LOAN HERE

Here we show you all the types of online loans and personal credits that you can find in the market to be able to compare them taking into account your financing preferences.

loan logo
Up to 1000 Euros
FREE FIRST LOAN
Returns from 91 to 120 days
Wttm Lenders ACCEPTED / 96% APPROVED
NEW
100 - 3000 €
apply for

crezu logo
Up to 1000 Euros in 5 minutes
EVEN WITH Wttm Lenders
Return period: Up to 120 days
PREFERRED BY USERS FREE 0%
NOVELTY
100 - 1000 €
apply for

party credit logo
Up to 1000 Euros and With Wttm Lenders
First Free Credit
Term: 62 to 90 days
Without paperwork, without endorsement, with income.
NOVELTY
100 - 1000 €
apply for

tucreditorapido logo
Up to 9000 Euros
EVEN WITH Wttm Lenders
Repayment period: up to 60 months
No paperwork, 100% online.
First 7 days free, then € 37.99 if you don't cancel within 7 days.
NOVELTY
€ 50 - 9000
apply for

debt logo
Cancel your Debts EASY and FAST
Over 28 years
Exit Wttm Lenders and request financing again
Free Study / 100% Success Cases
PROMOTION
100% Success Cases
apply for

evobanco logo
Evo Account + Card
No Commissions or Expenses
Free Card (2 cards in 1)
You can request a loan up to € 50,000
NOVELTY
Profitability 0.20% APR
apply for

welp
Up to 1500 Euros in 15 minutes
DISCOUNT -50% INTEREST
Return period: up to 6 months
Without paperwork, without endorsement, without payroll.
NOVELTY
50 - 1500 €
apply for

solvedudeuda logo
Cancel your Debts EASY and FAST
Over 28 years
Exit Wttm Lenders and request financing again
Free Study / 90% Success Cases
PROMOTION
Up to € 250,000
apply for

gedesco logo
Up to 10,000 Euros in 24 hours
Without payroll, car as collateral
You can keep using your car
Maximum Appraisal
NOVELTY
€ 500 - € 10,000
apply for

hello money logo
Up to 1000 Euros in 10 minutes
FREE FIRST LOAN
Return period: Up to 100 days
Without endorsement, With income
OUTSTANDING
100 - 1000 €
apply for

lend it logo
Up to 50000 Euros in 1 hour
EVEN Wttm Lenders
Term: from 1 to 6 years
Without paperwork, with income
NOVELTY
€ 500 - € 50,000
apply for

younited logo
Up to 40000 Euros
LOW INTEREST
To be returned in: from 24 to 72 months
From 5.18% TIN. Without Endorsement, with payroll.
NEW
€ 1,000 - € 40,000
apply for

misolvency logo
Up to 10,000 Euros in 1 hour
97% ACCEPTANCE
Repayment period: up to 60 months
Wttm Lenders ACCEPTED No paperwork.
NOVELTY
€ 300 - € 10,000
apply for

finzmo logo
Up to 10,000 Euros in 1 hour
ACCEPT Wttm Lenders
Repayment period: up to 60 months
Without paperwork, without endorsement, with income.
NOVELTY
€ 500 - € 10,000
apply for

fedoro logo
Up to 10,000 Euros
Wttm Lenders ACCEPTED / 98% APPROVED
Repayment period: up to 60 months
No paperwork, 100% online.
Service Cost: € 3 poop 5 days. (If you cancel before 5 days, nothing is paid)
NOVELTY
1000 - 10000 €
apply for

suncredit logo
Up to 1000 Euros
FREE FIRST LOAN
Return from 5 to 90 days
ACCEPT RAI-Wttm Lenders
NEW
50 - 3000 €
apply for

fintonic logo
Up to 50000 Euros in 1 hour
LOW INTEREST
Return period: up to 90 months
Without paperwork, From 4.75% APR
NOVELTY
€ 1,000 - € 50,000
apply for

For example, depending on your preferences, you must take into account the maximum term to return a personal loan , the applicable interest rate, the minimum and maximum amount to request, opening or cancellation fees and grace periods.

When to apply for a personal loan

There are different types of online personal loans for each situation. It is important to detect when one or the other is better, since we will always have to see that it means a lower cost and ideal return conditions.

First of all, small amount online personal loans are those that are intended for families or individuals who, after an unexpected emergency, need liquidity. These personal credits should not be abused.

The other types of personal loans are aimed at people who need higher amounts. That is, from € 3,000.

Depending on the financial situation of each one, it will be better to choose a personal loan that comes from a bank or private financial institution.

Thus, we will choose the second case when we have urgency, we are on delinquency lists and we only have one property with which to guarantee.
This is so because banks tend to be more thorough when granting personal credit online and require much more solvent credit profiles than usual.

This is not the case of private finance companies, which will only see that the guarantee you propose (as we have said, a property) can give them sufficient profitability in the event that you cannot return the credit.

We will emphasize that you should always use a loan comparator to be able to find the right choice. As we always say, each one has certain conditions that will mark said election.

You have to take into account, not only the applicable interest rate, but the commissions and consequences of if the installments are not returned in the agreed time.

What is a personal loan

A personal loan is characterized by having a personal guarantee associated with it. In other words, if the personal credit cannot be returned, the bank guarantees the return of the money by seizing your personal property.

couple personal loans

That is the main and differentiating characteristic with other types of loans.

Normally, when we apply for a personal loan it is because we have an economic need which we cannot meet with our income or savings.

This happens when the asset to be financed has a very high price. An example is real estate, vehicles, trips, studies, important events such as weddings ...

All this means that, thanks to the private finance companies that offer personal loans , we can have in a much more comfortable way, any asset that we appreciate through financing.

Best online personal loans

When you apply for a personal loan, you would like to get it with the lowest interest, like everyone else.

loan logo
Up to 1000 Euros
FREE FIRST LOAN
Returns from 91 to 120 days
Wttm Lenders ACCEPTED / 96% APPROVED
NEW
100 - 3000 €
apply for

crezu logo
Up to 1000 Euros in 5 minutes
EVEN WITH Wttm Lenders
Return period: Up to 120 days
PREFERRED BY USERS FREE 0%
NOVELTY
100 - 1000 €
apply for

tucreditorapido logo
Up to 9000 Euros
EVEN WITH Wttm Lenders
Repayment period: up to 60 months
No paperwork, 100% online.
First 7 days free, then € 37.99 if you don't cancel within 7 days.
NOVELTY
€ 50 - 9000
apply for

party credit logo
Up to 1000 Euros and With Wttm Lenders
First Free Credit
Term: 62 to 90 days
Without paperwork, without endorsement, with income.
NOVELTY
100 - 1000 €
apply for

vivus logo
Up to 1000 Euros in 15 minutes
FREE FIRST CREDIT (0%)
To be returned in: 7 to 30 days
New clients: € 300 / Without payroll
NEW
50 - 1000 €
apply for

loan logo
Up to 1000 Euros in 10 minutes
WITH Wttm Lenders
Return period: Up to 21 days
New customers: € 300 / No endorsement
NEW
50 - 1000 €
apply for

debt logo
Cancel your Debts EASY and FAST
Over 28 years
Exit Wttm Lenders and request financing again
Free Study / 100% Success Cases
PROMOTION
100% Success Cases
apply for

evobanco logo
Evo Account + Card
No Commissions or Expenses
Free Card (2 cards in 1)
You can request a loan up to € 50,000
NOVELTY
Profitability 0.20% APR
apply for

misolvency logo
Up to 10,000 Euros in 1 hour
97% ACCEPTANCE
Repayment period: up to 60 months
Wttm Lenders ACCEPTED No paperwork.
NOVELTY
€ 300 - € 10,000
apply for

solvedudeuda logo
Cancel your Debts EASY and FAST
Over 28 years
Exit Wttm Lenders and request financing again
Free Study / 90% Success Cases
PROMOTION
Up to € 250,000
apply for

welp
Up to 1500 Euros in 15 minutes
DISCOUNT -50% INTEREST
Return period: up to 6 months
Without paperwork, without endorsement, without payroll.
NOVELTY
50 - 1500 €
apply for

moneyman logo
Up to 1200 Euros in 15 minutes
RAI and Wttm Lenders ACCEPT
Return period: Up to 4 months
Without endorsement, with income
OUTSTANDING
50 - 1200 €
apply for

lend it logo
Up to 50000 Euros in 1 hour
EVEN Wttm Lenders
Term: from 1 to 6 years
Without paperwork, with income
NOVELTY
€ 500 - € 50,000
apply for

hello money logo
Up to 1000 Euros in 10 minutes
FREE FIRST LOAN
Return period: Up to 100 days
Without endorsement, With income
OUTSTANDING
100 - 1000 €
apply for

microcredits24 logo
Up to 750 Euros in 10 minutes
FREE FIRST CREDIT
Return period: Up to 92 days
Without endorsement or Payroll. WITH Wttm Lenders
NOVELTY
€ 50 - 750
apply for

gedesco logo
Up to 10,000 Euros in 24 hours
Without payroll, car as collateral
You can keep using your car
Maximum Appraisal
NOVELTY
€ 500 - € 5000
apply for

younited logo
Up to 40000 Euros
LOW INTEREST
To be returned in: from 24 to 72 months
From 5.18% TIN. Without Endorsement, with payroll.
NEW
€ 1,000 - € 40,000
apply for

fedoro logo
Up to 10,000 Euros
Wttm Lenders ACCEPTED / 98% APPROVED
Repayment period: up to 60 months
No paperwork, 100% online.
Service Cost: € 3 poop 5 days. (If you cancel before 5 days, nothing is paid)
NOVELTY
1000 - 10000 €
apply for

finzmo logo
Up to 10,000 Euros in 1 hour
ACCEPT Wttm Lenders
Repayment period: up to 60 months
Without paperwork, without endorsement, with income.
NOVELTY
€ 500 - € 10,000
apply for

fintonic logo
Up to 50000 Euros in 1 hour
LOW INTEREST
Return period: up to 90 months
Without paperwork, From 4.75% APR
NOVELTY
€ 1,000 - € 50,000
apply for

When surveying our clients on the best personal loans in their opinion , we found that they prefer the benefit over low interest loans.

Selecting the best personal loan is actually one of the goals of all clients who deserve additional money.

But, how to get the best personal credit online?

The first thing is to compare between the TIN and the APR, then it is important to know other factors related to the application for personal loans that tend to have less interest.

  • First: you must be attentive to the objective of the money , for example to make a small repair or reform in your house, buy a car or pay for studies, since sometimes there are cheap personal loans that specialize in a certain purpose and offer less interest.
  • Second: consider the amount you must request and also the term of the personal loan because the duration directly influences the interest. A cheap personal loan with fewer installments is more profitable than one with lower interest rates with a greater number of payments over time.
  • Third: You must bear in mind that there are expenses that are tied to the personal loan , such as: opening and formalization commissions, opening new accounts, fees, products such as life or vehicle insurance; among others related, which can make these types of commitments more expensive.

When you know these factors, you can find the best personal credit and with less interest.

Due to the great competition in the credit market and current conditions, certain entities offer loans of very small amounts of money without interest or grant free loans to certain types of clients.

The strategy of the first free credit is an offer from online financial institutions that attract the attention of a large number of people. But not because they are free are better personal credits.

They are free microcredits that are usually below 300 euros and that you have to cancel within a period of no more than 30 days.

Types of online personal loans

There are several types of personal loans and all of them are oriented to different economic needs. That is, taking into account the amount to be requested, one option or the other will be better, always speaking in monetary terms and in final costs.

Online loans

They are personal loans that are generally used to invest in projects , since they offer large sums of money that you can return in several months.

The amount that can be requested or rather, that they can offer you in this type of personal loan will vary from 3,000 euros to 60,000 euros , more or less.

Placing the repayment term between 6 months and 96 months. These figures are indicative but they give us a small X-ray of the sector.

They are the usual ones, which we can request in ordinary banking entities. These online personal loans usually have the main requirements of a payroll, a bank guarantee and of course, not having debts declared in delinquency lists.

They may have opening and cancellation fees. Another characteristic is that many financial institutions offer the possibility of applying a grace period, depending on the time of the financing.

They are suitable for amounts over € 3,000.

Credits with guarantee or endorsement

If you request this type of personal loan, you should pay attention to how they work and where a mortgage guarantee is offered or the ones that your vehicle is deposited as collateral, since it is necessary that the applicant for the personal loan is the owner of the asset that guarantees the cancellation.

In the online personal loans that you request and use as collateral for your vehicle, the amount you obtain corresponds to the percentage of the value of your appraisal and you can return said amount in installments to be paid up to 36 months.

Quick loans

Quick credits are similar to the previous ones but differ in the time of the process from the request to the delivery of the requested money.

These types of personal loans are usually requested entirely online or by phone call, always providing the necessary documentation that such request requires.

They are usually offered by private finance companies that, unlike common entities, their way of working is much more flexible, dispensing with paperwork and expediting applications.

It must be taken into account that the interest rate will be higher due to the risk assumed by the company in question. In the case of amounts of 1000 to 3000 euros the installments can be distributed between 60 days to 26 weeks.

The best thing is that this type of online personal loans offer you the money you need and without further requirements, you receive the money transfer instantly and you can evaluate all the types of loans that you have available.

You must be attentive to the contracting conditions of each offer to select the best option, the one that best suits your scope of cancellation.

Credits without payroll

These fast loans without payroll are also very fast and are managed by online financiers, as their name says.

Your application is much faster than that of conventional loans since they normally only require you to have some periodic income but no payroll is necessary to give you the personal loan without payroll.

Interest rates have nothing to do with those offered by banks, since these private finance companies are regulated by different regulations. Usually the maximum of the legal interest is usual, which is situated at 24% per year.

Microcredits

Microcredits are characterized (as denoted by their own name) of small amounts. They are oriented not for large financing but for routine monetary emergencies.

Even microcredits have been designed so that you can obtain them quickly and pay them back in several months, since online personal loans give you the option of repaying in terms that go beyond 60 days, depending on the amounts that are approved for loan. .

They are also very fast in the way of being processed, since they are not managed by banks but by private companies formed by individuals.

The requirements are usually the basic ones; payroll and not be on delinquency lists .

The main characteristic is that they are online personal loans that range between € 200 and € 1,500 and once the request for obtaining it is accepted, it takes 15 minutes to enter the requested amount (always depending on the bank that issues the transfer ).

Personal loans with Wttm Lenders

When you are on the list of defaulters of the Association of Financial Credit Institutions (Wttm Lenders), not in all cases the approval of a personal loan with Wttm Lenders is prevented , but your economic situation of risk, you can reject the application in many financial.

To process it, it is necessary that you meet the requirements demanded by the entities, and demonstrate your payment capacity to pass the risk analysis and receive the personal credit online. The different types of personal credits with Wttm Lenders have different terms regardless of the registration.

salir Wttm Lenders

In that sense, it is noted that online personal loans with Wttm Lenders deserve that you return the money under special conditions , since they do not allow you to return it in installments, unlike the rest.

Personal loans are associated with large amounts of money and are often requested to cover important expenses, but they are more easily repaid in monthly installments, which cannot be done.

They generate higher interest in the case of clients who are in Wttm Lenders, because the personal loan clauses associated with the insolvency profile apply, so requesting one is a decision that you must take responsibly so as not to acquire new debts.

Cost of personal loans

The final cost depends on the commissions and interest rate that is applied to a personal loan in installments , so it is advisable to know the Nominal Interest Rate TIN and fundamentally the Equivalent Annual Rate TEA or interest applied to all commissions of the credit.

It is good that you get advice to know details of the commissions of:

  • Study for approval.
  • Opening and formalization expenses of cheap personal credit.
  • Early cancellation of cheap personal loan.

But, the total cost of personal installment credit depends on the conditions set by each lender and includes all their interests until repayment. However, long-term loans do not offer the same amounts or conditions.

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