Wowloans: Quick credits of up to 1,000 us dollars

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When we talk about Wowloans , we refer to one of the first portals to offer mini-credits in an automated way and completely online in United States.

Thanks to its innovative and cutting-edge technology, Wowloans manages all loan applications on its own with AI (artificial intelligence) through its robot. There is no doubt that it is one of the most efficient and simple entities when it comes to requesting fast loans, because apart from the fact that it works 24 hours a day (including holidays), the processing of the information granted by the user when applying for the loan is evaluated in a matter of minutes.

Credit limits in Wowloans

If it is for the first time, the limit of the Wowloans loan is € 150, but when you have already completed applications with the entity and paid your credits without problem, you can request loans of € 50 to € 1,000. All those clients who already have a history with Wowloans and are up-to-date with their refund payments, may request credits of between € 150 and € 1,000. Regarding the period of return of the credits, we can choose between doing it 7 or 21 days after their assignment.

By locating ourselves in the Wowloans home window, you will be able to observe a very useful tool that simulates the criteria of a loan so that you can evaluate the conditions before entering an amount and a repayment term. By placing a certain amount in the Wowloans online simulator, you will be able to immediately see the amount that you must return to the entity, understanding that this amount includes the interest that you must accept at the time of initiating the application.

Wowloans requirements

In order to opt for Wowloans mini-credits there are a series of conditions that we must meet. Here are the requirements of this entity:

  • The user must be at least 18 years of age. There is no maximum limit for this requirement, or at least it is not specified.
  • Have a functional mobile phone that receives text messages, since at the time of registration the entity will send you an SMS with a confirmation code. It may also be the case that you are notified of certain information in this way.
  • The user must be Spanish and have an identity document that proves their nationality and citizenship.
  • Have a DNI (National Identity Document) or NIE for foreign applicants.
  • Have demonstrable income. Wowloans will not grant you any loan if you do not have a stable income that you can demonstrate through a payroll accreditation document.
  • You will need to register on the Wowloans web portal.

As you can see, the requirements are very flexible and not challenging. One of the qualities of Wowloans is that, unlike some banks and other lenders, its conditions are very easy to meet, so applications are processed much faster.

Step-by-step request for credits in Wowloans

Being a fully automated credit provider, applications at Wowloans are quite simple to complete. Even if you are not an expert with technology, we can assure you that this process will only take a few minutes. Request your fast credit in Wowloans by following these steps:

  1. Start by placing in the simulator the amount of money you need and the return period. Then, you will have to fill out a form with your personal information such as your name, ID and telephone number. Remember that you will receive a confirmation message to the indicated number, so make sure that the mobile is active and functional.
  2. Choose the payment method that suits you best for the entity to transfer the money to you. Keep in mind that Wowloans is allied with several payment entities such as Trustly and Visa so that operations are executed quickly and safely.
  3. Finally, you must digitally sign the contract with the terms and conditions of Wowloans, make sure you read it carefully and understand everything that is stipulated in it so as not to get any unpleasant surprises at the time of the refund.

Once the loan has been approved, you will receive a confirmation code on your mobile from Wowloans, which you must enter on their portal to complete the application successfully.

Returns at Wowloans

Before applying for a loan in any financial institution, you must make sure that you will be able to comply with the payment in a timely manner within the indicated period. If you fail to meet the repayment period, you will have to pay additional late fees, and in some cases they can be quite high.

Wowloans has a fairly comfortable list of payment methods to return the loan money that will surely be adapted to your needs. Refunds are generally made via bank cards by logging into your personal account and entering the required information, but there are also other options available that are worth a look.

  • If you cancel, does it imply any expense or savings? Up to $ 200 no savings, More than $ 200 additional cost reduction
  • Is there a possibility of an extension? YES
  • If there is an extension, what expenses do you have? 7 days (3%), 14 days (2.5%), 21 days (2%)

Payment methods for returns at Wowloans

  • Bank credit or debit card: You can use your Visa or Mastercard to return the credit in Wowloans. Simply enter the card details such as your number, expiration date and CVC code. Remember that if you have the mobile verification system affiliated with your card, you will have to confirm the operation with your mobile to make the payment.
  • Trustly: If you have a Trustly account then you can take advantage of it by requesting a mini-credit in Wowloans. Select Trustly among the options, enter the amount to pay and confirm the operation.
  • Bank Transfer: If the two previous options do not work for you, you can try a bank transfer. By selecting this method, Wowloans will indicate the account number to which you must transfer the money as well as the concept of the operation.
  • Cash: It may be a more outdated alternative today, but it's still available if you prefer. You will have to go to one of the offices of the banks with which Wowloans works and make the deposit. Remember that you must bring a payment order in the name of the entity and then proceed with the operation to manage the refund.

Interests in Wowloans

It is very important to be clear from the beginning that when applying for a loan in any financial institution (not just Wowloans) interest must be paid. The commissions or interest rates that the company handles depend on two factors: The amount of the credit and the repayment time. The larger the loan amount and the longer it takes to return it, the higher the commissions.

To give you an idea of ​​how these interests work in Wowloans, let's take an example: When requesting 400 us dollars of credit, the user must return a total of 492 us dollars, that is, they are paying € 92 for the service. But if we need the limit amount that Wowloans offers of € 1,000 and we want to return it within 21 days, which is the maximum time, we will have to pay € 1,200, so the interest in that case is € 200.

It is for this reason that the Wowloans simulation tool is very useful, to do all these calculations prior to the request.

Advantages and Disadvantages of using Wowloans

Among the points in favor of opting for Wowloans credits we have:

  • The speed with which requests are processed is much higher than average. In just a few minutes after filling in the form, which by the way asks for very little information, you will know if your credit has been approved or not.
  • Few requirements and flexibility to opt for a loan. It is not necessary to present endorsements, guarantees or other documents that hinder the process and make it slower.
  • Availability at any time of the day and every day of the year, including holidays or bank holidays. Thanks to the fact that the platform uses an automated system and not one operated by people, you can get credits in Wowloans in case of any emergency or unforeseen event.
  • Wowloans will never ask you for a reason to justify your request, they will simply give you the money once the contract is confirmed.
  • All processing is in real time, but the best part is that you save time in long queues at banks and do not have to travel to an office. You will do everything from your computer!

As points against we must say that the rates are a bit high, although they may not be higher than those of other entities. If you pay per day, there is nothing to fear when using Wowloans services.

Final assessment

If you live in the United States and need a loan urgently, then Wowloans should be among your first options. It is an ideal platform for those users who put comfort before anything else and need credits for not so high amounts in a short time. As we already mentioned, if you meet the requirements and conditions of the company, you should not have any problems. Ask for your € 150 at the beginning and start releasing higher limits as you use Wowloans products.

Wowloans is a company registered in the Mercantile Registry of Malaga, volume 5834, folio 54, sheet MA-150522, 1st Inscription, and whose registered office is at Plaza Costa del Sol, number 10, Entreplazas building, first floor office 196, CP 29620 Torremolinos, Malaga.

Here is a summary about the Wowloans mini-credit:

  • Type of financing of Wowloans Mini- credit : Quick loans, Loans without payroll
  • Maximum Credit: $ 1,000
  • Minimum Credit: $ 50
  • Amount you can have in the first credit: $ 300
  • Maximum term granted to you to return the money: 21 days
  • Minimum term for return: 7 days
  • Time it takes to give an answer: Minutes
  • How long does it take to have the money available: 4 minutes (La Caixa and Santander) but 24/48 hours
  • Do you ask for payroll for the loan? NO
  • Do you ask for endorsement? NO
  • Will they deny the loan if I am in Credit Checker? NO

We hope this information about Wowloans Mini-Credit has been helpful to you.

Remember that in the comments section you can leave your opinion of Wowloans Mini-credit