Lunacredit: Fast online credits in 10 minutes of up to € 1000!

By | June 5, 2018

Lunacredit is, without a doubt, one of the best companies in the field of mini-loans . Want to know more about her? Well, in that case, keep reading, because we bring you an in-depth analysis that will solve any question.

Who is behind this entity? Is Lunacredit legit?

Lunacredit is undoubtedly a legit company. Like almost all those in this sector, it seeks a differentiation from the others that will make it stand out and attract new customers. In this case, its differentiation comes from the first loan requested, which is something that generates a lot of debate.

Most entities set the limit for that first credit at € 300. It is a way not to risk losing too much money with a person who still does not know if he is going to be compliant or not. However, Lunacredit differs from the others by offering up to € 1,000.

A first loan of € 1,000 is undoubtedly a good hook to attract customers , since not everyone who requests a loan for the first time can see their problem solved with € 300. Being able to access larger amounts is something highly valued by customers.

In the rest, Lunacredit is one more entity with conditions similar to the others. It does not stand out for bad at all, which is why it is a very good option if you need a first loan of a higher amount than is usually usual for others.

The Lunacredit mini-loan

After seeing that the entity is reliable, it is time to see the general characteristics of the loan that they offer us ... And we already tell you that they are very good.

  • Maximum amount: € 1,000. This amount is well above the average of what your competitors have been offering. It is already a question of mini-credits of quite considerable amounts, so it is important to adjust the amount that is needed well and not ask for more.
  • Minimum amount: € 50 . Here it does coincide with most of the entities. It is a point at which we cannot say that it stands out for better or for worse. € 50 is an adequate amount to start considering asking for it through this type of mini-credits.
  • First credit: € 1,000. As we have said, this is Lunacredit's differentiation from the rest. Almost no one offers such high amounts in the first loan, which will undoubtedly be one of the ways they have to attract customers.
  • Maximum return period: 30 days . This is the period that is established almost unanimously in the sector to return the mini-credit. For this reason, Lunacredit does not stand out here, and its terms in terms of terms are quite similar to those of the others.
  • Minimum term: 7 days . The minimum term that you can mark to return the mini-credit is 7 days. In a week you can already have received the money, have gathered what is necessary to return it and, when the deadline has arrived, have finished the entire mini-credit process.
  • Response time: minutes . All mini-credit entities attach great importance to speed. It is logical if you take into account that one of its differences with banks is that everything happens much faster.
  • Time until the money is deposited: minutes . Once they have accepted your request, they automatically deposit the money. It will depend on your bank whether that money takes a few minutes to arrive or that it does so in 48 hours at the most.
  • Possibility of extension: with this entity you can extend the return period. This entails some expenses, but it may be worth it if you are at a point where you will not be able to return what you requested.

Requirements to request it and other conditions

Of course, to qualify for the microcredit we must meet some requirements. We detail them below:

  • No payroll is necessary: all these entities are focused on having regular income. The payroll is not that important, so if you don't have it you shouldn't worry. The only important thing is that you are able to demonstrate that, on a regular basis, you do not stop entering an amount of money that allows you to make the return.
  • No endorsement is needed: the endorsement is not an important point for these mini-credits either. As these are low quantities and easily accessible products, it is quite easy to access them.
  • It is not valid for those who are in ASNEF : if you are on this list of defaulters, Lunacredit is not your site. This entity will not allow you to access one of its mini-credits, so you will have to find another one to get what you want. This group is the one that encounters the most difficulties when it comes to finding financing in any entity.
  • It is necessary to be a natural person: this is a point that often creates surprise in some users. It is not possible to request a mini-loan in the name of a company. There must be a holder who is a natural person, whatever the reason that causes this request for the mini-credit.
  • Minimum age: 22 years . It is a somewhat high minimum age, but it is not so high if we take into account that most entities have that age at 21 years. Of course, there are some others that do not put a minimum age above the age of majority.
  • Maximum age: 70 years . Here again, Lunacredit does not stand out as being particularly restrictive or flexible. This maximum age is a point that older people should look at carefully, since there are many entities that leave them out.
  • Valid for self-employed: any self-employed person with a regular income can apply for the mini-credit. It is an entity that does have them, so if that is your situation you will not have problems with Lunacredit.
  • Valid for pensioners: pensioners have no restrictions as long as their pension is sufficient to repay the credit. However, they must take age into account, since the maximum is 70 years.
  • Admitted unemployed: applications from the unemployed are usually accepted as long as they have a stable income that allows them to return the mini-credit, either for their unemployment benefit, for renting a home, etc.

Procedure to obtain your mini-credit

Now that you have seen what the requirements are to obtain the microcredit, let's take a look at the procedure to be able to get it. As you can see, it is a very simple process:

  1. The amount requested and the time in which it is to be returned are entered .
  2. Once that is done, it is necessary to also enter the personal and financial data , which will be the ones that mark whether your application is accepted or not.
  3. You get an answer in a few minutes . If yes, they will deposit the money in a few minutes.

The whole process is quite fast, and makes you go from not knowing the entity to having the money in your account in a while . Undoubtedly, all this is one of the greatest advantages that you can enjoy as a client of these financial products of low amounts, high interest, but with incredible speed.

Opinions of the clients of your microloans

Lunacredit has quite good opinions and ratings from clients who have already requested loans from this entity. By having conditions similar to those of the rest, the fact that the first loan is so large makes the difference compared to others.

There are many people who are grateful that this entity has allowed them to have a large first mini-loan , since in that way they were able to get out of an important predicament that with other microcredits of € 300 they would not have been able to get out.

The fact that there is flexibility with the deadlines is also very noticeable , because many people consider that it is impossible to be clear when they will be able to return the money, so having the option to change that deadline is always positive.

As with other entities, the main criticisms come from people who are in ASNEF and do not understand why the doors are closed . This sentiment is logical, but it must be clear that these people represent a higher risk of default for entities than other groups.

Other mini-credit companies that may interest you ...

Finally, we mention some mini-credits that may interest you:

1 credit







That good


Zen Credit


I need money











Mobile credit




New Credit

OK Money

Loan 10


Credit Victoria



Hello money








As you can see, Lunacredit is one of the best mini - credit companies currently on the market. If you want to know more about it, do not hesitate to leave us a comment and we will try to respond to you as soon as possible.