Online Quick Credits

Until a few years ago, getting a loan in a traditional bank was quite complicated and many of the people who needed a credit or loan did not meet all the necessary requirements to access them. However, it is now easier to access them thanks to fast online credits, which represent a good opportunity to receive some capital in a short time.

Online fast credits, or online fast loans, are a very effective way to receive money in less than 48 hours (usually in a couple of hours, depending on the platform), to get the liquidity needed to get out of a complicated situation or an emergency.

It is a fact that Internet services have made many aspects of our lives easier, since now the banking and financial sector of people is changing a lot thanks to the advantages provided by online services, especially in the case of fast online credit.


Thanks to this type of service, people no longer have to go to the nearest bank, train, talk to an executive and wait (even a few days) until the bank gives them an answer. The requirements of banks are usually very strict, have a good credit history, have a high minimum wage and give explanations about what the loan is needed for.

But on the online lending pages, most of the disadvantages mentioned above are eliminated and open the way to a much faster and more accessible process for everyone. Most of these platforms don’t ask for requirements such as a high salary or explanations, since it’s obvious that if you’re there it’s because you need some capital to get out of a jam.

Another advantage of these platforms, is that they usually give an immediate response on whether the user has been accepted or rejected and, the deposit of money is usually made in a couple of hours, although some services may take just over a day to deposit the amount requested or approved.


In this way, if you are interested in a fast online credit and want to have more information about it, in this article you can find all the information you need to use these services.

What are online quick credits?

As previously mentioned, they are websites that stand out for giving credits or loans quickly and easily, so the vast majority of people can have access to credits.

Practically, the only requirement they request is not to have a bad financial history. This is their main advantage, as it makes these types of credits much more accessible.

Keep in mind that these platforms are perfect for when you need some extra money to pay a bill or get out of an emergency, not to start a business or receive large amounts of money (mostly), so you must give them the right use to avoid problems with the interest generated by each day of debt.

Once you have submitted your request, the most common thing is to receive a response within a few minutes, so you won’t have to wait long to receive a response. Keep in mind that they only work on weekdays, so don’t expect to receive a response and an immediate deposit on weekends.

If your application is accepted, you will receive your money in the bank account you have specified, although some platforms offer the possibility of going to pick up the money at a bank or a business with which they have an agreement.

These platforms usually work cautiously, which means that if this is the first time you apply for a loan, they may not approve a large amount and you may have to pay a little more interest. If you pay the loan on time, you will be able to apply for larger amounts and pay lower interest, although this may vary from platform to platform.

So far we have highlighted all its advantages, but the truth is that fast online credits also have disadvantages. The main disadvantages are the interest rate and the repayment term.

The interests are usually acceptable, but in comparison to a traditional loan they are usually much higher, in addition to the fact that the repayment term is usually from 1 month to 2 months at the most, reason why many users are very pressured to pay this type of aid on time.

That’s why if you’re interested in applying for a fast credit online, you should be sure that you’ll be able to pay the amount you’ve borrowed on time, or as quickly as possible to prevent interest rates from growing.

If you apply for one of these credits and pay it in less than a week, the interest you will have paid will be very low, but if you let all the time or more go by, you may end up paying even double what has been borrowed; which is why you have to be very responsible when applying for this type of credits.

The truth is that they have many advantages that make them remain a very attractive option despite their disadvantages, so they can become an excellent solution to get out of trouble.

How to apply for a fast credit online?

In this guide we have pointed out some of the best online fast credit platforms, pointing out some of its main aspects so that you can choose and test the one you think best meets your expectations and needs.

Once you have chosen a platform, the first thing you will have to do is register and enter all the information requested on the page.

Normally you have to provide information such as full name, address, proof of address, DNI, a photo with your DNI and the bank account to which you want to be deposited the amount of money you request or approve.

In this type of pages they do not usually ask for a guarantee or a proof of payroll, but depending on the platform and the amount of money in which you are interested you may get to ask for these data.

Requirements to be able to obtain a fast credit

Earlier, we mentioned that the requirements for online fast loans are usually much more accessible and straightforward than those requested by a bank, but that does not mean that they do not have minimum requirements that have to be met in order to have access to fast credit.

Among the requirements that you must meet, we can highlight the following:

  • Have the minimum age established by the company (usually 18, 21 and 25 years).
  • To have the DNI or NIE with the current address in which you reside.
  • Have a bank account where you can receive the deposit for the amount requested. Some companies allow you to get it in cash.
  • A mobile or fixed number where the company can locate you to solve any doubt or incident regarding payments.
  • An email address for registration and credit information.
  • Not to have a bad credit history. Normally they check the history of the applicants to determine if it is a person who usually pays or not their loans or services.

As you can see, the requirements are quite simple and it can be very complicated that you can’t overcome them. That’s why most applicants are usually approved for fast credit.

Main features of fast credit

This type of credits or loans have a series of unique characteristics that tend to differentiate them easily from conventional loans. Throughout this article, we have already mentioned the vast majority of their characteristics, but to leave no doubt here you have them in a list:

  • They do not usually lend large amounts, having a ceiling that does not exceed 1200 € in most platforms. That’s why they’re very effective to get out of emergencies, but not to create business or other uses.
  • The first credit is usually for an amount less than requested. Once paid, we will begin to create a good history with the platform and we will be able to access larger amounts with less interest.
  • The maximum return time is usually 30 days, although in some cases it can be 90 or 120 days.
  • Interest rates are usually higher and increase with each passing day. When you apply for the loan and choose a payment term, you are told the amount you will pay at the end. If you pay it before that time, you will pay less.
  • No paperwork or explanations are required. Simply enter your registration information and request the money.

These are usually the main features shared by most fast online credit platforms, so they are easy to identify.

Remember to be responsible when applying for credit, as if you don’t pay within the specified time, interest will become a big problem.