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Compariloan, whose name was VIA SMS, is a bank that quickly grants credits of amounts that reach € 600. As in many other financial institutions, for new users the maximum amount of the credit is reduced to € 300. You can repay your Compariloan loans in a time range that varies from 1 week to 1 month.

Compariloan began to provide its services in 2011, and is located in Barcelona, ​​more specifically on Paseo de Gracia.

Benefits of obtaining your Compariloan credit

  • It allows Credit Checker, for payment defaults that are not greater than € 2,000 and do not come from financing.
  • Provides discounts to users who cancel their Compariloan credit in a timely manner.

Compariloan credit amounts

  • Amount of loan number 1: It cannot exceed € 300.
  • Amount of loan number 2: It cannot exceed € 450.
  • Amount of loan number 3: It cannot exceed € 500.

Depending on the results of the risk study carried out by Compariloan, which takes into account the payment capacity of each user, it may happen that Compariloan offers lower amounts than those required by the client.

Discounts provided by Compariloan

  • 15% discount when returning € 300.
  • 20% discount when returning € 450.
  • 25% discount when returning € 600.

The comparator shows the average costs for new users without rebates. In the case of having previously acquired a credit, you can count on up to a 25% discount.

Compariloan requirements

  • Maximum age to request the loan: 70 years
  • Minimum age to request the loan: 21 years
  • Be a Spanish resident.
  • Have a mobile phone and provide an alternative number.
  • Have a bank account in United States in your name.
  • Have a constant monthly income, be it salary, government aid, rent, among others.
  • Compariloan allows the use of Credit Checker for debts less than € 2,000

Steps to follow to obtain your Compariloan credit

twinero loan steps

  1. Select the desired amount of your credit and the repayment term.
  2. Complete the form with your personal information.
  3. Compariloan will check that the mobile phone number is correct using a code sent by text message.
  4. Check your identity through Instantor (for this you must enter your homebanking, it is a reliable form of verification and is used by a large number of entities)
  5. You have the option to choose the manual verification process, sending the documents electronically. If you prefer to do it manually, keep in mind that the approval of the Compariloan credit will be slowed down. For your credit request to be valid, you must send the documentation within 3 days of the request. The documentation to send consists of:
    1. Clear and color copy of both sides of your ID or resident card.
    2. Screenshot of your bank account showing that you are the account holder. (Alternatively, you can send a copy of the notebook)
    3. Proof of earnings received, either the copy of the most recent paycheck, income tax statement or pension)
  6. Compariloan will notify you by text message or email if your credit has been rejected or approved.
  7. If it was approved, you will receive a text message or email communicating the amount of the credit, the interest, the total amount to be paid and the repayment term.
  8. You must give notice of compliance within two days of granting the credit, you can accept the contract by different means:
    1. By means of a text message answering I ACCEPT (the SMS is not free)
    2. Through your website: Pressing "Accept loan"
  9. Compariloan will then deposit your money into the provided bank account.

Occasionally, Compariloan contacts you by phone to verify that the information provided is correct.

Transfer time

Compariloan provides an agile and reliable service. You will have your loan money instantly if you meet the following 2 requirements:

  • Request made during business hours. (weekdays between 9 am and 7 pm and Saturdays before 2 pm).
  • If you have an account at La Caixa, Santander, Bankia, Banco Popular, ING Bank or Caixa Catalunya.

If you do not meet these requirements, the transfer made by Compariloan can take up to 48 hours on business days.

Payment and deferral of your Compariloan credit

The payment of your credit can be made by:

  • Credit or debit card: Compariloan will not make an automatic payment). It does not accept American Express.
  • Telephone communication: You can call Compariloan customer service to make the payment using a debit card.
  • Through their website : Login to your Compariloan account and pay using your card.
  • Bank transfer: Deposit or transfer the payment of your credit to the Compariloan bank account. (You must write your ID number as a reference)
  • Teller payment: You can pay in person at Bankia, LaCaixa, ING and Sabadell banks.

If the payback date is on a holiday or weekend, you can pay the next business day for free.

You can postpone the repayment date of your Compariloan loan for 7, 14, 30 or 45 days. If so, you will have to pay interest as a late payment.

Early cancellation at Compariloan

Compariloan allows you to cancel your loan in advance when you do it during the first half of the repayment period. To cancel your payment in advance, you must inform Compariloan of your decision by email.

In this case, you will have to pay 0.5% calculated on the total amount of your Compariloan credit as an early refund.

Interest on arrears with Compariloan

If you do not make the payment of your credit in a timely manner, you will have to pay two commissions:

  • Penalty commission : Corresponding to 1% interest per day calculated from the amount of the credit. With a maximum of 100% of the initial amount plus credit commission.
  • Processing costs: Compariloan will charge up to € 7.50 for each payment reminder sent (it has a maximum of 3 reminders)

If after receiving the 3 delinquency notices, you have not returned your loan, Compariloan will proceed to send your data to the delinquency files.

Additional information about Compariloan

  • Compariloan uses Paytpv to process payments and the system provided by Instantor to verify the data of its users.
  • On the other hand, it is part of the AEMIP institution, which gives you the guarantee of reliability.
  • It has an Ekomi rating of 8.8, calculated based on 258 reviews.

Advantages of choosing Compariloan

  • You can get up to € 600 (€ 300 if you are a new customer)
  • Refund in 1 month and postponement of up to 1 month and a half.
  • Allows the use of Credit Checker.
  • Benefits and discounts for regular users.

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