Creditea - personal loans of up to € 3,000. Your money transferred in 15 minutes.

Creditea is a perfect solution if a situation in our life needs money immediately and without many problems . This web page, we can not only find the option of getting a "typical" personal loan that we could get on other websites.

At Creditea we can also get a line of credit tailored to us and they will also help us to finance the credits we have with other companies to pay them and only have to return the money to Creditea.

Sometimes we need to find a place where we are not only seen as a simple ATM in which to deposit an amount of money that they will later recover. This is what happens in Creditea, they see beyond where other web pages see, and even where financial institutions are used to seeing us.

Quick solutions for problems that arise out of nowhere or desires that we want to carry out without waiting a minute more, Creditea is our most realistic option and that will bet the most on us so that we achieve our goals without having to give up other things or reach end of the month with the money counted.

That is what we want to talk to you about today: about the two Creditea products and how to access each of them, and that you consider this company above others.

It is ideal for people who do not want to know anything about banks, savings banks and others, but need financing, it is an article that you must read. In the same way, if you have difficulties for these institutions to grant you their products, you should read this article.

What is Creditea and why choose it

Talking about Creditea is not talking about one more company in the online personal financing scene, despite the fact that it is a young company, like most that are dedicated to short-term financing.

The objective of the company is to help the economy of society through financial products known as 'quick loans', flexible, easy to apply, and, above all, wide-ranging.

They are part of International Personal Finance PLC , which has a presence in more than fourteen countries and three million clients; synonymous with success, trust and solvency.

They want their products to be characterized by speed, transparency and flexibility, something that they undoubtedly fulfill, but to convince yourself, you should continue reading this article.

Advantages of choosing Creditea

Creditea offers us a variety of products that we can choose based on our financial need and the speed with which we need it, but within each product such as fast loans, the line of credit or the refinancing of other loans, there are advantages that They make Creditea one of the companies most appreciated by users of this type of web page.

The advantages that we can find if our decision is a quick loan are:

  • Apply for a quick loan online in a simple and fast way so that we can face a momentary need.
  • We can get up to a total of 3,000 US dollars almost instantly.
  • We will have the option to choose the repayment period of the amount that best suits our standard of living and our needs.
  • In this type of quick loans, the monthly installments will always be fixed for the duration of the period that we have chosen to repay our loan, so we can organize the rest of the month well.
  • Creditea will remind us every month of the fee that we have to return, how much we have returned and how much we still have to return, movements that we can consult through our Personal Area on its website ( )
  • We can save interest if we repay our loan early.
  • We will have between 61 days and 36 months to repay our loan; Creditea offers us a range of interest rates that go from 79.38% to 790.72%, the latter being used in cases of higher risk and applied on very few occasions.

If our case is more like the need to have a line of credit, Creditea also has advantages for us:

  • This line of credit is like a virtual account from which we can withdraw money continuously whenever we need to and we will only pay for the money we take out; We won't pay anything to open it or have it.
  • The maximum limit that Creditea gives us is 3,000 US dollars but, if for example we only use 300 US dollars, we will only pay interest on those 300 US dollars until we return them.
  • We can return them whenever we want and we will not be charged additional interest, only the established base.
  • In the Personal Area of ​​the web ( ) we will be able to know how much we have withdrawn, how much credit we have left and how much we have to return.
  • They give us a period to return it between 61 days and 36 months with an interest of between 79.38% and 790.72% (the latter for higher risk cases). If we return it before 61 days, we will not have to pay interest of any kind.

In the case of refinancing loans that we have with other companies, Creditea offers us some advantages:

  • A maximum of 3,000 US dollars to cancel other loans and live with greater peace of mind that we can enjoy with lower installments and a more flexible repayment.
  • Up to 36 months to return our loan to Creditea, being able to decide how much we pay each month and for how long.
  • Once our application is accepted, in 15 minutes we will have our money to face our other loans.

It is safe to ask for a loan at Creditea

When we put our data on the Internet, we are always concerned about what can happen to it. At Creditea, our personal data (which we use to fill out our online application to access any of its products) are under Organic Law 15/1999 on the Protection of Personal Data.

Creditea gives us the option of sending a report to its headquarters requesting information about all the steps that have been taken with our personal data within the company if we wish.

If our concern is that they never give us the promised money or that the interest increases without us realizing it, with Creditea this will not happen to us.

This website gives us sufficient guarantees to be able to solve our financial problems without having to worry about dark problems or surprises in our bank account, since we face a fixed monthly fee that we can mark ourselves for a certain time.

What Creditea offers

Creditea offers two very different products, but equally attractive.

The first is a loan, that of a lifetime, which is nothing more than an amount of money for a specific purpose, which may be to complete a change of car, catch up on debts, change the kitchen, anything, and it is returned in a period of time agreed in advance.

The second is a line of credit , which is an amount of money available to the customer over a period of time, and the customer has the money available when he wants it, and under the amounts he wants. It is like a credit card.

We will talk to you in depth about each of the products.

About the personal loan of Creditea

The Creditea loan is practically identical to that of any bank , without being precisely the same product, neither in the form, nor in the requirements, or even in the application process.

The Creditea loan can be from € 100 to € 3,000 , and with a maximum term of 24 months to repay it, in monthly installments.

It is much better than any mini-credit you can consider right now.

Creditea personal loan requirements

The requirements to apply for your loan are minimal and are what any bank asks you to create an account:

  1. Be between 21 and 65 years old
  2. Have Spanish legal residence and valid identity document
  3. Have an email and a mobile phone that receives SMS
  4. Have income to be able to face the correct and punctual payment of the loan
  5. Have a bank account

In addition to that, they can request documents that prove the data you provide, but nothing out of the ordinary or that you cannot have practically at hand.

Some of them would be your DNI or NIE on both sides, a certificate from your bank account, a receipt for your payroll or pension, or any income, and little else, don't worry. Of course, if you send them, that they are in pdf and scanned, that they are visible and send them quickly, so that your request does not take long to authorize.

Interest on the personal loan Creditea

Well, you should also know that, although the product itself is attractive and beneficial in all aspects, mainly in the amount and term they offer, something unmatched in the market , it has a price, which is, yes, very competitive .

We break down here everything you will have to pay with your loan, always assuming that you request the € 3,000 for 24 months:

  1. 4.63% monthly
  2. APR of 72.19% per annum (convertible monthly)

Creditea does not charge opening commissions, nor risk studies, everything is free , and you only have to pay these two interests, which any company will charge you, although at higher levels.

How to apply for your personal loan at Creditea

The application for your loan is very simple, you can do it in less than five minutes, and from any device with an internet connection . Of course, you must have access to your email and have your mobile phone handy.

Here is the simple process of applying for your personal loan:

  1. On the main page , click "Request" , it will immediately take you to another page with a small form.
  2. Write your DNI or NIE and your mobile phone.
  3. Once the data has been entered, click on "Request your code" , and after a few minutes you will receive a code via SMS on your mobile.
  4. Write that code on the right side of where you wrote your mobile phone.
  5. Click 'next'.
  6. Choose your limits
  7. Sign the contract

Creditea will contact you with the answer , being able to propose something alternative if the company considers that the amounts are difficult to assume according to your profile.

If the answer is affirmative, the money will be deposited, and depending on your bank, you will be able to see it within a maximum period of 48 working hours later.

Payments of your loan Creditea

When you sign the contract, you receive all the details of your loan by email, including the payment date of each monthly payment, which remains fixed throughout the loan . Anyway, Creditea has a system that will send you a reminder five days of your payment date, so you do not forget the date , since it is not the classic first day of each month, but any day of it.

Payment can be made by direct debit, card payment from your Creditea account, or by transfer. The means are many.

About the credit line of Creditea

This is Creditea's innovative product, and that very few companies in Spain offer: an amount of money available for any reason, time or amount, within the limit that Creditea has approved for you.

The line of credit can be up to € 3,000 (like the loan) , but you have 36 months to pay the debt.

You will only pay for the amount used and not for the credit obtained . For example, they grant you € 3,000, but you use only € 1,000: you will pay the interest on that € 1,000 , choosing the term, up to a maximum of 36 months to settle it.

Once settled, the approved amount is restored so that you have the money again.

The requirements to access the line of credit are practically the same as for a loan, and we are not going to repeat them.

Commissions and interests of the credit line

Unlike the loan, which only pay interest for it, here are more commissions that you should know, since it is a very different product from the loan , even if it is the same amount of money that you have.

These are the prices:

  • Credit opening, it's totally free
  • The first withdrawal from your credit line is free
  • The second, and successive, withdrawal of credit, has a cost of 3.99% of the total withdrawn
  • Monthly interest from 4.99%
  • Annual reference APR of 79%
  • The minimum payment amount each month is € 10

Request for your line of credit with credit

The request for your line of credit is identical to that of the personal loan that we have already mentioned above, the only difference is the product you request , but the process of validation by mobile phone, times and signing of the contract is identical.

Other services and commissions of Creditea

Both the loan and the line of credit are urgent, or at least that is why the Creditea platform has created a rapid response system , which is what, along with the cost, characterizes companies like this.

For this reason Creditea has created some services, although small, but of great help to those who have either of the two products. These are, along with their costs:

  • If you cannot afford the monthly payment for a month, Creditea allows you to have a break, and the cost is symbolic, € 20, which you must pay in advance. It is great when payments such as rent, land registry or Christmas parties are collected
  • If the payment date no longer suits you, either because of a job change, or because it is simply far away, Creditea changes that date as many times as you wish, for € 5 each time you request it
  • If you want to extend your credit, the cost is zero, it is free

Mobile application and customer service at Creditea

At Creditea we have several ways and means of communication that we can make use of to communicate with this company. We do not have a mobile application but we do have a phone number and an email:

    • The Creditea phone number is 902 201 232 and we can call from Monday to Sunday from 9:00 a.m. to 9:00 p.m. (Iberian peninsula time)
  • The email to which we can send our doubts, documents, etc. is: [email protected] , receiving a response as quickly as possible.

Opinions about Creditea

R.Mateo.- Creditea has become one of the best options to be able to get a quick loan that can solve a momentary problem that may arise or help us make a trip that we really need.

F. Diaz.- Many times we need a company that makes us feel that we matter and that we are more than numbers and that a way to get money in exchange for everything with deception and very high interests, but Creditea is not the case.

T. López.- This company seeks a way for us to manage to fix our situation and reduce the financial pressure of our life in exchange for giving us decent conditions to ensure that we can solve our problems without creating more.

G. Martin.- If what you are looking for is a company that ensures you a quick, efficient solution, is transparent with the steps it takes with your personal data, you have control of the times to return the money and the interests are fixed, without surprises in your account, Creditea is your website and your perfect company.


As you can see, the two Creditea products are very attractive, comfortable and flexible.

Remember that creditea gives you the possibility of getting a personal credit of up to 3,000 US dollars that you can use whenever you want and above all, for whatever you want. In addition, you benefit from paying only for the amount of money you have used. That is, if you take out 200 US dollars, you will only pay interest on those 200 US dollars that you have taken out.

Another benefit is the completion times. These terms have a minimum of 61 days and a period of up to 36 months to pay them. Remember also that creditea is a 100% virtual account, so you must withdraw the money to your account with the line of credit that you have been granted.

Also, once you put the money back in your virtual account, it can be reused as many times as you need it, without having to ask for one loan after another.

Your line of credit may be too small at first, however with the passage of months and the correct payments, this account can reach 3,000 US dollars and if you do not want additional interest to be charged, you just have to return all the money at once before the month is up.

For your convenience, the company makes sure that every month you have all the details you need, in order to make payments on time. They will also notify you of all the movements of the credit line that you need.


  1. Do not be fooled !!!! I have been with Creditea for almost a year ... and they cannot be more liars. I pay religiously on time and in due form, and there is no way to extend the credit line as promised. You call and they tell you that your case has been passed on to the appropriate department that will try again in a few days. I've been hearing the same thing for more than two months, and I wonder if such a department exists. At first everything was going well, very nice, but for you to sign. After ... all rubbish.
    I already told you, gentlemen of Creditea, I plan to enter all the forums, and say what you really are and how you work. You are a great disappointment. Take a good look at my email and my name. I do not hide.

  2. Luis de la garza barreiro

    After being treated as a liar by a boy, Galician or Asturian, because of his accent.
    And send them what they asked for.
    I did not receive a reply, and I had to cancel the credit.
    But, what surprised me was the deal, and calling three times, in 50 minutes.
    That a character calls you a liar but, all over your face.
    If that is the image, how am I not going to cancel the credit?
    I am ashamed that, in this country, there are people like this who treat customers like that.
    And since I could not tell her since I am hanging over it. I hope the people know the kind of company and employees they have.
    They ask you for more papers than banks for 1000 US dollars.

    Thank you, and may you last long ?????

  3. Notice. If a month of respite is requested in the repayment of the loan, CREDITEA prevents you from accessing your own personal area on its website. This violates the Organic Law on Data Protection.

    They reminded me daily via SMS that I had to make a transfer to pay the monthly fee (nothing is returned with it, you only pay interest for 36 months). As I was unable to access the personal area, I could not remember that I had programmed the payment via card (very clumsy on my part), with which I have paid the fee twice. When talking to them they have already told me that, of course, the return is complicated ...

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