Prestamer.es is one of the best companies in the field of mini-credits , and it is precisely for this reason that, today, we analyze all its service in depth. So… keep reading and find out everything they have to offer you!
Who is behind this entity? Is Prestamer.es legit?
Prestamer.es is one of the entities that has entered this type of market with greater force. It focuses on the automation of its processes, which leads it to prepare very fast responses for the client, ensuring that the wait is minimal.
In this type of products, urgency is a fundamental point. Whoever requests money this way wants it and needs it as soon as possible, and having it in your account in minutes is possible thanks to this automation of the processes.
Prestamer.es makes it clear that it only works online and with automated means . This is the best way to ensure that the terms are shortened and that the entire process from when you get to the web until you have the money in your account does not last more than a few minutes.
The Prestamer.es mini-loan
Now that we have seen that we can trust this entity, let's take a look at the characteristics of the mini-loan. You will see how they look great!
- Minimum amount: € 20. From such a small amount you can already request this type of loan through Prestamer.es. It is clear that, when one requests such small amounts, it is because there is an urgency that cannot be extended over time, hence the fact of resorting to companies like this is so valuable.
- Maximum amount: € 1,000. This amount is one of the highest offered by mini-credit entities. In fact, it is already on the border between mini-credits and the most classic loans. In any case, it is a very high amount that allows many different types of investments to be made.
- First credit: € 150. is is quite restrictive at this point. Although most entities allow you to request up to € 300, in the case of this company this is reduced by half. It is clear that they do not want to take risks with new clients, but that if they respond they will have access to up to € 1,000, so that preliminary test that can be a low first credit is a good way for the entity to trust you.
- There is no free first credit. Although some entities do, Prestamer.es does not consider it necessary for the first loan to be interest-free.
- Maximum return period: 21 days . This is a very important point. Normally, these entities set the term in 30 days, so here we are talking about something much less. If we add to that the fact that the amounts that can be ordered are quite high, it is clear that what happens is that you have to be very careful when it comes to adjusting the money requested well to the return period, since If not, it will be very difficult to return it on time.
- Minimum return period: 7 days. If you are clear that in a week you will be able to gather the money necessary to get rid of this, here you can set 7 days as a deadline. It is a way to solve a specific economic problem in a very fast way.
- Response time: minutes . The automation of the application process means that you do not have to wait for a person to value all the data, but the system itself takes care of it, and gives you a personalized response in a few minutes.
- Time until you have the money in your account: 4 minutes . If you share a bank, in that short period of time you will already have the money. In the case of different banks, the term is usually between 24 and 48 hours, depending on your bank.
Requirements to request it and other conditions
Obviously, to apply for the microloan, we must meet some requirements. These are the requirements that you must meet:
- No Payroll Needed - Although regular income is needed, it doesn't have to come from payroll. Therefore, even if you don't have it, you don't have to worry about the fact that it will be rejected.
- No endorsement is necessary: in this sense, Prestamer.es adapts to the competition and does not ask for endorsement, since most of the entities in this sector do not. The fact that they are small credits means that it is not so necessary to have an endorsement to grant them.
- It is possible to be in ASNEF: there are several entities that do not admit people who are registered in ASNEF. Prestamer.es is not one of them, since it does not have any problem with this type of request, so if this is your situation you have a good opportunity here.
- It is necessary to be a natural person: it must be borne in mind that these credits are granted only to people, so the holder must be a natural person, whatever the reason for requesting one of these mini-credits.
- Self-employed are allowed : if you are self-employed and need a mini-loan, here is an opportunity for you to get that money you need. Not all entities grant credits to the self-employed, but Prestamer.es does.
- Pensioners are allowed: by having a pension, you already have a regular income that can allow you to be granted the mini-credit. Therefore, you have no greater problem than other groups.
- Unemployed are admitted: if you are unemployed, but have a regular income thanks to your subsidy or any other type of income, you can also request one of these mini-credits for whatever reason you deem appropriate.
- Minimum age: 21 years . Although, as we have seen so far, Prestamer.es is not a company that is restrictive in terms of requirements, at this point it does raise the age of majority, as some others do. It is a way of minimizing the risk that the loan will not be repaid, since young people are one of the groups that presents the most risk.
- Maximum age: does not have . There are several entities that do set an age limit, but Prestamer.es does not. Therefore, anyone over 21 years of age, whatever their age, can request this type of mini-credit.
Procedure to obtain your mini-credit
Once we have seen what the minimum requirements are to get the mini-loan, let's see what is the procedure to obtain it. As you can see, it is a very simple and easy to follow process:
- Create an account on your website , for which you have to fill in a series of data and send a copy of the DNI.
- Enter the desired amount, the term to return it and the method of payment .
- A response is received with the acceptance or denial of the mini-credit. This company accepts, more or less, 90% of the applications.
- Finally, the loan is confirmed by SMS, which serves as the signing of the contract.
As you can see, it is a safe, reliable and fast process, in which you have the answer and the money in your account in a few minutes.
Opinions of the clients of your microloans
The opinions on Prestamer.es are quite good, in general . The fact that their requirements are not very strong and that they admit so many people is something that many people value, since it has helped them to access a microloan, although it would be very difficult otherwise.
The fact that everything is automated also catches the attention of many people. There are some people to whom requesting a mini-loan gives them some qualms or shame, so they appreciate not having to talk to anyone during the whole process.
Being automated and done online, the comfort is total , since you don't have to leave home or talk to anyone about this issue if you don't want to. And, in addition, everything is done so quickly that it is undoubtedly a great advantage.
What is most criticized is undoubtedly the fact that the repayment period is short . It is true that it is much shorter than that of most entities, but it is also true that it is one of the few points in which Prestamer.es does not offer equal or better conditions than most.
Other mini-credit companies that may interest you ...
To finish, we are going to mention other mini-credits that may interest you:
I need money
As you have seen, Prestamer.es is a very interesting mini - loan company (internal link to mini-credit landing) , which offers truly unbeatable conditions to its clients. For our part, we can only recommend that, if you need money, you go to them.