Zaplo is one of the best financial institutions to request microcredits . It presents very interesting conditions for the end customer, and, in addition, all its service is comfortable and intuitive. But… why don't you keep reading and discover everything it has to offer you?
Who is behind this entity? Is Zaplo legit?
Zaplo is a brand that is part of the 4Finance company , which is a multinational specialized in consumer loans through the internet. To give you an idea of the size of the company, they have awarded more than 3 billion (with B) of euros to more than 10 million customers.
So, as you can imagine, it is a company with a long history and that poses no dangers for customers. And it is that, in addition to the regulations that they have by the corresponding official organizations, Zaplo has known how to demonstrate its good work .
And it's not like that for any reason. As they say on their website, they try to offer their service with maximum flexibility and transparency, and always focused on customer satisfaction.
For all these reasons, we can say that Zaplo is a microcredit and consumer loan financial institution that you can trust. There is no risk of fraud or scam . You can be calm!
Once we have seen that we can trust this company, it is time to take a look at the characteristics of this mini-loan. You will surely fall in love with everything they have to offer you!
- You can request up to € 2,500: The Zaplo loan offers you the option of requesting up to € 2,500. This figure is much higher than what other companies in the sector offer. It is a more than interesting option if that little hole or unforeseen event that has arisen is not covered with a very small amount.
- The repayment period is 24 months: The maximum term that you can set to return the Zaplo mini-credit is 24 months. This guarantees us some room for maneuver, which makes a lot of sense if we take into account that we are talking about an amount that is higher than usual in the microcredit market.
- For loans of less than € 500, up to 6 months: in the event that you do not need as much and want to request less than € 500, you can set a term of up to 6 months.
- Possibility of partial repayment in advance: One of the options offered by the Zaplo mini-credit is that you can partially repay the credit in advance without any surcharge. That is, if you already have the money before the expiration date, you can pay a part. With this, you reduce debt and take a small weight off your shoulders.
- Possibility of deferring payment for up to 30 days: One of the characteristics most sought after by clients when they are comparing the different mini-loan options. The future is always uncertain, so the possibility of postponing payment in the event that we do not have the amount at maturity is a great advantage.
- Surcharge for the extension: it is true that they offer the deferral service, although, of course, we will have to pay a surcharge for it.
- APR, lower than other mini-credit companies: As in any company, in Zaplo, the interest to pay depends on the term you mark. However, if something does not deceive, it is the APR. Here Zaplo, perhaps by offering longer terms, is more than competitive, with quite low rates.
- They respond to us in a maximum of one day: Unlike long banking processes, mini-credit companies respond to requests much more quickly. In a single day we will have the answer to what we request.
Requirements to request it and other conditions
As always, to apply for the mini-loan, it is essential that you meet some requirements. The requirements that you will have to meet are the following:
- Being over 25 years old and under 70 years old: Zaplo takes responsibility for their role within the financial system very seriously. His idea is to be serious and help people solve their problems, not get into more. Therefore, they are stricter than other companies regarding the minimum age.
- Have a DNI or, where appropriate, NIE: This does not hide any mystery, for any application or registration process regardless of the company in the sector, you will have to provide your DNI. In the event that you have a NIE, it is also valid and accepted.
- Being a resident in Spain: For you to be able to access the Zaplo microcredit, you must be residing in Spain. This is logical because it is where the service is offered, otherwise the company would violate the regulation
- Have email: Another requirement more than usual, you need to have an email. They will require it in the application process.
- Have a mobile phone number: You will need to provide your mobile phone number. They will use it to send you confirmations and notifications.
- Have a bank account in your name: this is essential, since it will be here where you pay your loan. That after all, that's what interests you.
- Have sufficient income to repay the loan: although you are not required to provide payroll or endorsement, you have to prove some type of income. Enough to be able to return the amount you request. This makes sense since we are not talking about such low amounts.
- It is not necessary to explain what you want the money for: unlike banks and other companies, Zaplo will not ask you questions. You don't have to explain anything to them.
Procedure to obtain your mini-credit
Now that you have seen the requirements to get this microloan, let's take a look at the procedure to be able to enjoy it as soon as possible. You will see that it is a very simple procedure:
- Application and registration: The first step is not very mysterious. You just have to select the amount you want and the term option with which you are most comfortable. Then you will fill in some personal information: Name, account number, ID, telephone ...
- Identification: After making your request, the Zaplo team will have to identify you. This process will not take long. It will be completed by sending you some documents necessary for the process, which they will indicate to you.
- Confirmation. After identifying yourself, they will notify you on your mobile phone if the microcredit has been effectively approved. If there is a green light, the process only waits for the last step.
- Shipping: This last point is none other than the most interesting for you, money. They will make the transfer and in a few minutes you will have the money in your account.
Opinions of the clients of your microloans
Opinions on Zaplo are among the best in the entire microcredit sector , and it is not by chance. At the end of the day, as you have seen in the previous sections, this is one of the best small consumer loan entities.
The first of the aspects that customers highlight is that it offers up to € 2,500, something rare in this type of company. But, in addition, they highlight that they allow us to choose the return period, which can be up to 24 months.
And it is normal for them to highlight it, considering that most of the mini-loan companies limit the maximum repayment period to 30 days.
Another interesting point about Zaplo that all users highlight is the very reasonable APR it offers. And is that, while other mini-credit companies have an APR higher than 1000%, Zaplo offers loans for 151% APR. 10 times less!
The negative point of Zaplo is that it does not accept clients with Financial Credit Institutions, which means that, if you have outstanding debts and are on the list of defaulters, you will not be able to access credit. In this sense, they are a little more restrictive, and thus the opinions of the clients are in charge of signaling it.
For all the above, many of Zaplo's clients believe that it is not exactly a mini-loan company, but rather that it is more like an entity that offers personal loans . But, the truth is, we believe that it is an entity halfway between both options.
Either way, it is one of the best options when you need some urgent money without payroll or endorsement.
Other mini-credit companies that may interest you ...
Finally, we give you some other mini - credit companies that may interest you:
I need money
As you can see, the conditions offered by Zaplo in the field of mini-loans are very good, and that is why, in general, we like to recommend this company. It is not easy to find such good conditions in the field of microcredits .