The fact that your application and its processing is done online provides many other advantages: they are easy and convenient to request, they have the maximum security and protection, in addition to that you can dispose of the cash very quickly, it is for all that they are also known as quick loans or instant loans.

Like any other personal loan, the person requests a certain amount that they agree to return within a certain period of time, knowing in advance the interest and/or commissions that must be paid.

Advantages of online loans

Image result for advantagesWe have outlined the advantages of personal online loans when compared to traditional credit options. Now we highlight those that may be of more interest:

• Easy, comfortable and fast: Quick loans from PaydayNow indexpage can be requested at any time 24 hours a day, 365 days a year and it is only necessary to access our website from your mobile, tablet or computer. In our web you will simply have to decide amount and term and fill out a simple form with your personal data and the account where you want to receive the cash. Do not take more than 5 minutes!

• Simple and safe: We know that what customers are looking for in this type of immediate loans, is that they are quick in their management since they are normally used to face an unexpected and urgent expense. To reduce the bureaucracy to a minimum, do not request any type of documentation, or endorsement or proof or income. You do not have to worry about scanning your last payroll or proof of the bank with the income of your benefit. We only need you to validate that you are the owner of the bank account where you want to receive the immediate loan. But even this is very simple, you will only have to access with your electronic banking passwords and in a completely secure way we will do this verification and your request will be ready to receive a response. And best of all, you will have an answer in 15 minutes! We know that an urgent credit inevitably happens to be a credit without paperwork.

• Clarity, no small print, no commission loans: You will know the interests long before applying for your loan and it is you yourself who can check, according to the amount requested and the selected term, the interest that will be applied to you. In addition, we will send you all the general and specific conditions of the contract by email, as well as the final invoice. Your Client Area will also be used to manage the pending amounts to be paid and the term you have for their return.
And do not forget that we have the first loan promotion with no interest or commissions. As we tell you, ask for € 300 and you only have to return that amount if you do it within the agreed time. Do you know any other mini-credit with so many advantages?

• Immediate payment to cover urgent expenses: No less important is to have the money immediately. If the answer to your request is affirmative, we make the transfer instantaneously. If your bank is one with which we work directly you can have your money available in 24 hours. If not, your bank may delay making your loans available in up to 48 hours.

And do you have any disadvantages?

And do you have any disadvantages?

A priori there are no disadvantages, you just have to have very present that have certain conditions of which we must be aware by mere responsibility and foresight:

• Asnef applications are not accepted: It is not a disadvantage, but if it is necessary to take into account that Creditomas offers loans without as nef exclusively so that you are in this file or any other record of defaulters we recommend that you solve this situation before applying for your loan online with us. Once solved you will have access to all our promotions, including, of course, your interest-free loan of up to 300 euros!

• High interest: These online loans are granted without any type of guarantee or guarantee, precisely so that they are quick loans. This motivates that the risk assumed in this case Creditomas must be compensated with interests slightly higher than those offered by traditional entities.

• Non-payment of the loan: like any other personal credit, the non-payment of the same can cause penalties for delay in a first place and legal proceedings if the non-payment extends in time or reaches a certain amount. Like any other credit product, the prolonged non-payment can lead the client to enter lists of defaulters, including but not limited to Experian or Asnef, managed by Badexcug and Equifax respectively.

Creditomas, experience, and satisfaction

There are many microloan entities that currently operate in Spain. From the full responsibility always recommend the consumer compare the different offers in the market and assess not only quantitative aspects such as interests but also others such as experience, solvency or care.

At Creditomas we have more than 4 years of experience offering personal loans online, always adapting to the needs of consumers and ensuring their protection.

Our customer service, through our team of advisors, is one of our strengths. The personal and close contact is essential to understand each client and be able to offer simple and personalized solutions.

You have to face an unexpected expense or you want to have money urgently to advance a purchase, the loan of Creditomas can be your solution.
Remember that it is very simple, a credit instantly without paperwork or payroll or endorsements and if you are a new client, we have the welcome free credit promotion waiting for you !!

  • First loan
  • I am already a client

How much do you need?

  • 300
  • 600

– + EUR

For how long?

For how long?

  • 7
  • eleven
  • 16
  • twenty-one
  • 25
  • 30

– + days


Loan amount Interests Amount to return APR (APR) Return date Receive your loan Information about the Loan

  • First loan
  • I am already a client

How much do you need?

  • fifty
  • 300
  • 600
  • 900

– + EUR

For how long?


  • 7
  • 14
  • twenty-one
  • 30

– + days


Image result for detailsLoan amount Interests Amount to return APR (APR) Return date Receive your loan Information about the Loan

From Monday to Friday from 9:00 a.m. to 5:00 p.m.

Opening hours 9:00 – 17:00 E-mail: Tlf. 910 47 00 47 Chat with operator    

From Monday to Friday from 9:00 a.m. to 5:00 p.m.

Opening hours 9:00 – 17:00 E-mail: Tlf. 910 47 00 47 Chat with operator     × Close




1. Identity and contact details of the lender.


Sistemas Financieros Móviles SL


Avenida Bulevar Prince Alfonso de Hohenlohe s / n, Milla de Oro Building, Office 9, 29602 Marbella (Málaga).

Phone number:



Website Address:


Registered in the Mercantile Registry of Málaga, volume 5310, book 4217, folio 151, sheet MA-124432, Inscription 2.

2. Description of the Main Characteristics of the Credit product.

Type of credit:

Consumer loan, in the modality known as “online microloan”.

The total amount of credit:

Conditions governing the disposition of funds:

As soon as the Loan request is approved by the Lender, once the decision of the Borrower is confirmed, a bank transfer is made to the account provided by the Borrower in the loan application.

Contract period

calendar days from the approval of the Loan. When the aforementioned payment date coincides with a day considered to be non-business, the payment must be made on the immediately following business day.

The terms and, where applicable, the order in which installment payments will be made:

The Borrower must return the amount set as Loan with the processing costs on the payment date that is calendar days from the loan decision. The borrower must make a single payment of € (loan amount)
Interests and/or expenses: € to pay for the borrower before the expiration date in the bank account indicated on the Lender’s website.

The total amount that you will have to pay: That is, the amount of the loaned capital plus the interest and expenses related to your credit.

a single payment of € (Capital borrowed plus interest).

Guarantees required:

Do not.

3. Credit costs.

Debtor type:

Fixed% for the duration of the Loan.

Annual Equivalent Rate (APR) The APR is the total cost of credit expressed as an annual percentage of the total amount of the credit.



  • X is the APR.
  • month: the order number of the last credit provision.
  • k is the order number of a credit disposition operation, so 1 ≤ k ≤ m.
  • Ck is the amount of the provision number k.
  • tk is the time interval, expressed in years and fractions of a year, between the date of the first disposition operation and the date of each of the following dispositions, so that t1 = 0.
  • m ‘is the order number of the last refund or payment of expenses.
  • l is the order number of a refund or payment of expenses.
  • Dl is the amount of a refund or payment of expenses.
  • Sl is the time interval, expressed in years and fractions of a year, between the date of the first provision and that of each reimbursement or payment of expenses.


Is it mandatory to obtain the credit itself, or, under the conditions offered, take an insurance policy that guarantees the credit? Or another accessory service?

Do not.

Related costs (expenses for the use of a means of payment, notarial expenses):

No, they do not apply to this product.

Costs in the case of late payments. Failure to make a payment can result in serious consequences (for example, forced sale) and make it difficult to obtain a loan.

The non-payment at maturity of any amount arranged under the Loan will entitle the Lender to demand from the Borrower, in addition to the unpaid amount, a penalty of 1.00% per day, with a maximum limit of 200% over the principal amount. In addition, for every reminder that we should send you in case of default, 7.50 Euros will be charged.

4. Other important legal aspects.

The right of withdrawal:

The right of withdrawal may not be exercised if the Loan has been executed in full by both parties at the express request of the Borrower.
In other cases, the Borrower will have a period of fourteen (14) calendar days to withdraw from the contract remotely, without indicating the reasons and without any penalty.

Early repayment:

You have the right to prepay the credit in whole or in part at any time.

The Borrower has the right to return the Loan, in whole or in part, at any time before the agreed maturity date without additional costs.

In case of early repayment, the Borrower will be entitled to a reduction of the total cost of the Loan, with a deduction by the Lender of the compensation for the costs derived from the early repayment that will not exceed 0.5% of the amount of the Loan repaid in advance.

Query a database:

The Lender may collect information regarding the credit history and risk positions of entities providing information services on creditworthiness and credit (in particular, the Credit Service of Asnef-Equifax and Experian / Badexcug) to carry out risk analysis credit, monitoring, and control of financing.

Right to a project of the credit agreement:

The Loan Applicant has the right, upon request, to obtain a free copy of the draft credit agreement. To do this, you must be willing at that moment to conclude the loan contract

The period during which the lender is linked by pre-contractual information

The information will be valid from the moment the lender notifies its decision to grant the requested Loan.

5. Additional information.

a) Relative to the Lender.

It is not subject to the supervision of the Central Bank of Spain.

b) Relative to the credit agreement:

If applicable, the Borrower shall have a period of 14 (fourteen) calendar days in which he may communicate his intention to exercise the right of withdrawal to the Lender leaving the proof of the notification in any way admitted by law.
In the communication you must indicate your name; your ID number and the date of issuance of the Loan Decision.
It must be sent to the following address: Sistemas Financieros Móviles SL. Avenue boulevard Prince Alfonso de Hohenlohe s / n Building Mile de Oro, Office 9, 29602, Marbella (Málaga).

The legislation that the lender accepts as the basis for establishing relationships with you before the conclusion of the credit agreement:

Spanish Legislation

Linguistic regime:

The information and contractual terms will be provided in Spanish.

c) Relating to the resource:
Existence and access to extrajudicial claim and appeal procedures.

Claims should be sent to the email or, in writing, to the address of the Lender: Sistemas Financieros Móviles SL. Address: Boulevard Bulevar Prince Alfonso de Hohenlohe s / n, Milla de Oro Building, Office 9, 29602, Marbella (Málaga).
Likewise, the Lender is a company adhering to CONFIANZA ONLINE and, in the terms of its Code of Ethics, in case of disputes related to online contracting and advertising, data protection, child protection, and accessibility, it may resort to the extrajudicial resolution system of TRUST ONLINE controversies.