The best terms for the first
loan up to 5000 € for everyone!
On a credit card or in cash
No unnecessary documents,
instant decisions.
Have your money
within 15 minutes.
Full transparency of
lending conditions
After we receive your application, you will be contacted to clarify the details of obtaining the loan. In some cases, this process can take up to 15 minutes.
We would like to draw your attention to the fact that our employees never call customers to demand money. If you receive a call asking for money, it is likely that scammers are attempting to contact you!
Scoring – What Is It?
Scoring assesses a person's ability to service credit.
The higher the level the borrower meets, the greater the
likelihood of receiving money and the better the terms
offered. If you want to obtain your credit
history, please fill out the questionnaire.
creditnice.es provides services for selecting the best loan options available. We collaborate with organizations offering various terms for receiving funds throughout Spain. We are constantly expanding our network of lenders and partner companies. By filling out an application on our site, you will receive favorable conditions for obtaining funds! Banks or landers may request additional documents. Please note the application must be filled out in person.
In the case of non-repayment of the credit amount or the interest due within the stipulated period, the creditor will be forced to charge a late payment penalty. Most creditors offer a grace period of three additional working days for payment. This is provided in cases where, for example, a bank transfer takes longer than usual. However, if there is no response for an extended period, a late payment penalty of approximately 0.10% of the original loan amount and 0.03% of the outstanding amount for consumer credits and credit cards will be charged. Non-compliance with repayment conditions can result in your data being transferred to a debtor's register or a credit bureau, negatively affecting your credit history and creditworthiness rating. The debt may also be referred to a collection agency. If a delay occurs, further extension of the loan is not possible.
The creditor will promptly inform you about all payment deadlines via SMS or email. We recommend that you make the payment on the same day you receive these reminders. By repaying debts on time, you build a good credit history, which increases your credit rating and enhances your chances of obtaining credit on more favorable terms in the future.
If you took a loan in the amount of 3,000 EUR for 3 months with an interest rate of 4.5% per month, then after the end of the loan term, the overpayment will amount to 405 EUR. It turns out that you return 3,405 EUR. Below are the calculations of interest accrued for further independent calculation of the loan repayment amount {with interest} to users of the average service. The amount is 3,000 EUR, the interest rate per month is 4.5%, and the loan term is 3 months. 4.5 {%} * 3 {months} = 13.5% for 3 months {13.5% * 3,000 EUR {loan amount}} / 100% = 405 EUR {amount of accrued interest} 3000 + 405 = 3405 EUR is the amount of money needed to be repaid in 3 months. In case of violation of the terms, the penalty amount is 0.10% of the overdue amount per day, but not more than 10% of the loan amount. In сase of a long delay in repayment, the information will be transferred to the credit bureau. The loan may be extended if the lender is informed in a timely manner {before the loan repayment date} and interest for the initial loan term is paid. There are no additional fees for loan extensions.