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Know all the opportunities and advantages of Credy

One of the practices that is becoming more and more common on the internet is online loans, since they are a fairly effective and reliable method to attack or reduce those unexpected financial problems that can arise in the face of any unforeseen event.

In this sense, Credy is a platform that allows any user to opt for loans of up to 750 us dollars with a maximum replacement period of 30 days.

How does Credy work?

The page does the work of an intermediary who presents the offer to a list of suppliers interested in this type of procedure and, if one of them gives the go-ahead to the conditions imposed by the user, the operation can proceed without any problem.

It should be noted that Credy is part of the Traffic Control SA society and has an acceptance rate of almost 95% of each loan requested, for which they have managed to grant more than 500,000 microcredits since its foundation year.

And what do I need to apply for a Credy loan or microcredit?

The conditions that users must meet to apply for a credit in Credy are quite simple to obtain, so that anyone can meet the requirements without problems to start the process.

Specifically, the applicant must be of legal age and reside in the United States with a Spanish DNI or NIE, in addition to having a monthly income that can be demonstrated, either a payroll or pension, and a telephone line in their name for contact issues .

On the other hand, another of the high points to highlight about Credy is that the platform's system does not check if applicants are on Credit Checker lists, so if your name appears on any list of defaulters, that will not mean a stoppage for your request.

In this way, interested lenders or providers will be able to carry out a thorough analysis of your offer and see how profitable your proposal is for them, analyzing the risk of the loan as such.

The first step is to enter the Credy page from your browser

  1. The loan or microcredit process must be started from the Credy website, and can be accessed from any mobile device with an internet connection.
  2. Once inside the page, you will find a tool that will allow you to place and observe all the conditions under which your loan would be carried out, taking into account the amount of money requested and the term stipulated by yourself to repay the debt .
  3. Strictly, the amount of money that can be requested in a Credy loan ranges from 50 to 750 us dollars , with a repayment period that cannot exceed one month.

What information must I provide to obtain the credit?

You will only have to fill in the application form with your full name, date of birth, DNI or NIE number and marital status.

In addition, you must indicate if you have a negative credit history in FICO or Credit Checker, in addition to specifying if you have people under your charge and, if the answer is positive, how many people there are.

Next, you must indicate your net monthly income, type of job in which you work, duration of your current job, date of collection of your next salary and an approximate amount of your monthly expenses.

Finally, it's time to put in your email, phone number, address, and zip code.

Be careful, the requirements may change depending on the lender that is in charge of approving your credit, since Credy works as a broker or intermediary and does not impose these types of conditions among its associates.

Once this step has been completed, you must wait for the data verification process to be completed, in which it will be confirmed that all the information provided is true and matches official sources.

If the loan is approved, the money will be deposited in the bank account indicated by the applicant no later than the night of the same day that the loan was requested, as long as it has been approved before 3:00 p.m.

In the same way, it is good to note that in Credy you can request loans 24 hours a day, 7 days a week, although the availability and acceptance of them depends on the providers.

Beware of variable interest rates from Credy

Of course, it would be absurd not to mention that the most negative factor of Credy as a platform is the variability of its interest rates, since these are not mentioned during the loan application process and are subject to change without prior notice, generating confusion in many users when they know how much money they have to pay.

Logically, the company is unable to show a fixed interest rate because it depends on the lender that accepts your application, so the "failure" is out of their hands.

In addition, the interest rate must also be added to the money that Credy will charge for its service as an intermediary, so the user may have to replace even more money than expected.

The most effective way to counteract this uncomfortable situation is to contact the lender that accepted your application as quickly and expeditiously as possible so that you can immediately know their interest rate and the amount of money you will have to pay at the end.

In this way, you can have a little more control over the conditions on which your personal loan will be approved, leaving aside unforeseen events and situations that may disrupt your budget.

The summary about the requirements and the Credy loan

  • Type of financing of Mini- Credit Credy: Quick credits, Loans without payroll
  • Maximum Credit: $ 750
  • Minimum Credit: $ 50
  • Amount you can have in the first credit: $ 750
  • Is first credit free and interest-free? NO
  • Maximum term granted to you to return the money: 30 days
  • Minimum term for return: 1 day
  • Time it takes to give an answer: Minutes
  • 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
  • Minimum age to request the loan: 18 years
  • Means to receive and return the money: Transfer