Viaconto is a fast online micro loan entity that allows you to get up to € 300 for new clients for free. There are other similar entities that allow you to obtain quick microcredits for amounts less than € 300, but we believe that it is worth taking a look at what Viaconto can offer its clients in this review.
Information about Viaconto
Viaconto operates in the United States from Barcelona since 2014 and is part of the Viaconto MiniCredit SL group. Curiously, that same year, references in the mini-loan sector such as Vivus or Wandoo began operating in the United States.
This bank is part of the AEMIP, the Spanish Association of Micro Loans, and Confianza Online. These two certifications offer a clear vision of the quality and transparency of this entity in everything that includes online security and the confidentiality of customer data.
On Viaconto's main website we find the two products it offers. On the one hand, we have the 0% credit that allows us to get a mini loan of up to € 300 to new clients. On the other, the standard credit of up to € 600 for regular customers with the usual interest and commission conditions in this type of financial products.
Viaconto stands out for granting loans with Credit Checker, Experian or other delinquent files , which is a great advantage for this group, since these records are a great impediment to obtaining financing. Finally, Viaconto works with the main Spanish banks, if you have an account in one of them you will receive your money in a very short period of time.
Get a credit on Viaconto
The mini fast online loans have very simple and fast processes, something that greatly facilitates the task of the users, as well as the entity itself. Viaconto works with the Instantor platform, which guarantees the confidentiality of all the documents you send, as well as the quick analysis process to obtain a quick response.
Requirements in Viaconto
|Age between 21 and 65 years|
|Valid DNI or NIE|
|Have a bank account|
|Additional documentation and / or guarantees|
The application process at Viaconto
- Indicate in the Viaconto simulator the amount you need and the return period
- Register on the web and fill in the form with your data
- Send the requested documentation
- You will receive an SMS indicating if your request has been approved
- If your micro loan has been approved, you will receive the money in your account in about 15 minutes
Amount, terms and extensions in Viaconto
Viaconto offers a maximum amount of € 300 to new customers and a maximum of € 600 to regular customers, with repayment terms ranging from 7 to 30 days. The simulator itself offers you the date on which you will have to face the refund of the requested amount and interest.
You can request extensions of up to 30 days, but you will have to pay certain amounts as a penalty: for 7 days of extension € 14, for 14 days of extension € 20 and for 30 days of extension, € 39. We recommend that you analyze your financial situation and if you will be able to face the repayment of the Viaconto mini loan on the requested date, thus saving you the extension costs.
On the other hand, you can also divide the return of the payment of your Viaconto online micro loan in a very simple way, directly from their website.
Our verdict is Viaconto reliable?
It is an entity that has been operating since 2014 and has the support of AEMIP and has the European Trust Ecommerce and Confianza Online seal. This entity is focused on online mini-credits for small purchases or emergencies and being able to request a free mini loan to new clients, seems to us a convenient and reasonable option.
Saturdays 10:00 - 15:00