€ 5,000 Maximum loan amount
61 days - 36 months Maturity
Interest 24.9%

Quick information

If you need a loan in Creditea you can request personal loans from € 500 to € 5000 with very competitive interest and without hidden fees or penalties for early cancellation. Once your application is approved you can enter the "Personal Area" of the website and there you will find the loan that you can transfer to your bank, your debit card or PayPal. The Annual Equivalent Rate (APR) depends on the amount requested and the repayment term of the debt, among other elements. Before being approved for a loan with Creditea, the entity must carry out some verifications such as the financial solvency of the debtor, which will be validated through public information and financial solvency records, which the debtor must certify with documentation if Creditea needs it. Creditea, "a fast loan company with a soul of people" is a brand led by International Personal Finance Digital Spain SAU If you have any questions, you can write to the email [email protected] or call the number 902201232. The institution is located on Avenida de la Albufera 153 28038 Madrid and its opening hours are from 9:00 a.m. to 9:00 p.m.

  • Creditea is "a fast loan company with a people's soul"
  • a brand led by International Personal Finance Digital Spain SAU
  • If you have any questions visit the Creditea frequently asked questions section where you will find the answers you need
  • If you want to read some stories from the clients themselves and how the Creditea loans helped them, you can check the "Blog" section
  • If you are interested in a personal loan to solve any unforeseen event or for any other reason visit the website
  • Incidental expenses
  • Car repairs
  • Help in cases of medical illnesses
  • Reductions in study expenses
  • Family leave


Specific information

The procedure to request the loan is very simple to carry out. All you have to do is enter the website at and the first thing you must decide is the amount you need and the term in which you will pay it. The calculator will then inform you how much you should pay in interest or fees.

After this you just have to click on "Order it now!" and you will reach the section of the form where they will ask you to fill in some personal information such as your ID or NIF and your mobile phone. Once you enter your mobile, they will send you an SMS with a code that you must integrate into the form to continue to the next step. It is important that you are of legal age and that you have a regular income.

In the next step they will ask you to choose a limit or the amount you want to order, which can be between € 100 and € 5000. You have a time from 61 days to 36 months to pay the loan. In the next step of the application procedure you will see the contract that you must accept. It is key that you bear in mind that the company may request documents that support the information you record.

Credit Refund Table

Requested amount Fee Total to pay Duration
€ 500 € 191.2 € 691.2 36 months
€ 1,000 € 382.4 1 382.4 € 36 months
€ 4,000 € 1,412.57 € 5 412.57 12 months

A representative example

€ 4,000 credit. To be returned in 12 months. Annual fixed interest 59.88%. Monthly fee € 451.05. No commission for opening, study or early cancellation. APR 79.38%. Total amount to be returned € 5,412.57.

FAQ Credit

How long does it take you to give me an answer to my credit request?

The money will be sent as soon as you get a response to your email or through an SMS or phone call to the number you registered in the form. In some cases, the money could take a little longer (around 24 or 48 hours) but that already depends on your bank. It is something that does not depend on Creditea and that does not happen very often. It also depends a lot on when you apply, taking into account that if you ask for the loan on a weekend or on a holiday, the money will arrive the next business day.

I have my credit approved, when do I receive the money?

Once you have received the confirmation message, the money is transferred to you immediately, however, in some cases the money can take between 24 and 48 hours due to internal bank procedures, something that is beyond the control of Creditea.

What is the difference between this loan and others on the market?

One of the hallmarks of Creditea is the flexibility in the service, taking into account that the money can be returned in advance or that they can even give you an additional month to the agreed term. This is because Creditea loans have been designed around the true needs of the users, which are transparent information, fair prices and flexibility. If, for example, a client requests € 2000 and wants to return it in full or in part, this can be done without having to be penalized, as in many institutions. On the other hand, if a client cannot meet any of the agreed quotas, Creditea can grant them up to an additional month. The company knows that sometimes unforeseen events are unavoidable, which is why its policies are more flexible than those of many other institutions.



I did not know them and as I heard them on the radio I thought they were another of those lender. When I called them they told me everything and it has nothing to do with what is out there. I have already asked several of these lenders for money and what Creditea offers is different. I can pay in up to 36 months and if I want I can cancel it sooner without problem, and they do not charge you cancellation fees. At least it fit me perfectly.


Hello, good work, creditea team!


They gave me the money fast and they were very nice. They are the cheapest on the market, the banks are cheaper but they didn't help me. As I did not know them and was afraid of whoever asked for the money, I investigated them and saw that International Personal Finance is the one behind it, which is an English company that is listed on the stock market (they are legit).

Loan rating

The website is very simple and easy to navigate. In addition, in it you will find all the information relevant to the loan application, just follow the instructions. In Creditea you can find formidable conditions to obtain a fast loan. You don't need an endorsement and the loan terms are very flexible. You can withdraw only the money you need at the time you want and you have from 61 days to 36 months to return the money.

Roger molinsJerome P Allison ( LinkedIn )
I am a freelance writer and consultant for companies and individuals, with a particular emphasis on fintech, technology, startups and online marketing. More information ...

Loan terms

  • Be between 21 and 65 years of age
  • With permanent address in Spain
  • Have your valid DNI or NIE
  • Have income
  • Have an email
  • Have a mobile phone that receives SMS
  • Have a bank account

Application processing procedure

  • To determine the total amount of the loan
  • Use our virtual calculator - click the Request it
  • Fill in the form and send it

Properties of this loan


  • Personal loans from € 100 to € 3000 with a cancellation period from 61 days to 36 months and very low interest
  • In these months you can take advantage of the summer offers offered by Creditea so that you can enjoy the vacations of a lifetime together with your family
  • With Creditea you do not have to pay opening commissions or management fees or early cancellation, which is another of its great advantages
  • Once you send your application and it is accepted, you will receive your money in record time. In just 15 minutes you can get the money after the approval of the request


  • The loan is subject to some solvency verifications, taking into account that Creditea only lends to those who have demonstrated economic capacity
  • If you do not comply with the established fees, Creditea will charge you more money for late interest, so it is better to avoid this situation
  • Creditea's financial services are not available to people who have not reached the age of majority


902 80 00 10
International Personal Finance Digital Spain SAU, Plaza de la Albufera, 28945 Fuenlabrada, Madrid, Spain


If you need a loan in Creditea you can request personal loans from € 500 to € 5000 with very competitive interest and without hidden fees or penalties for early cancellation. Creditea Rating: 5/5 511 votes.

Documents to download

Last content update: 7. 4. 2020