Minicréditos: cuándo pedirlos y cuándo no

Mini-credits: when to ask for them and when not to

The mini-credits have arrived in Spain to revolutionize the financing market and to compete with the banks. The advantages of requesting a mini-credit are many, since the entire process is much more agile and faster when it is processed online and, in addition, they allow people to whom the bank has denied credit to get money.

Although the chances of getting quick and easy money are much higher than when we go to the bank, it is important not to be seduced by mini-loans and use them responsibly. An excessive or poorly planned use of online mini-loans at the moment can lead us to enter into an over-indebtedness from which it will be very difficult to get out.

When are mini-credits convenient for me

Mini-credits are a personal loan system designed to obtain urgent money in a timely manner. These are some of the cases in which you should apply for a mini-loan:

  • If you have an unforeseen expense that requires an urgent financial response:
  • If you need it to make ends meet: You have received a higher bill than you expected and it has disrupted your accounts, it has been a month of higher expenses than normal (for example Christmas or back to school), etc.
  • To leave Credit Checker : If we are in Credit Checker, the banks will not grant us credit until we have made our name disappear from the list. Using a mini-credit to pay off our debt and delete us from the archive can be a good solution. You should bear in mind that not all online mini-loan companies offer fast online credits with Credit Checker.
  • To take advantage of offers or discounts: If you have found a product or service that has a very attractive price but for a certain duration and at that moment you do not have enough money, Mini-credits may be the help you need.

When online Mini-credits don't suit me

As we have already indicated, fast online loans must be used on time and, although it is possible to request one mini-loan after another, it is not the best practice. The ideal is to make a good personal loan of our finances and not have to depend on the loans for our subsistence:

  • When I can postpone my payments: If you have to make a very large outlay of money but it can wait, it is always advisable to save the necessary money and not have to go to mini-loans.
  • If you always need them to make ends meet: If you have to resort each month to the extra help of mini-loans and you are chaining loans, we advise you to plan your finances, since mini-loans are an expensive urgent money system and you will end up spending a lot money in fees.
  • At the moment we are not sure that we will be able to return them: Mini-loans are expensive but, since we will have such short repayment terms, they have an affordable cost. However, if we pay late, the late penalties will start to raise the cost of our microloan and it can end up being very expensive.

As we can see, mini-credits are a good system to get quick and simple money and, if they are used responsibly, they can help us get out of more than one financial trouble.

Fast online credits, loan at the moment and easy, every day of the week: You can hire one of our mini-loans from Monday to Sunday, at any time. You will receive an immediate response and, as soon as we have approved your loan, we will make the transfer in minutes.

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