Viaconto - customer reviews and loan review

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term 7 - 30 days
our note 4
age 21 - 65 years
free first loan Yes
maximum first loan $ 50 - $ 300
maximum to request 50-600 $
Supports Credit Checker Yes
Early return No

Advantages and disadvantages of Viaconto

Advantage
  • The first credit for new customers is up to € 300 and free
  • You can request an extension of up to 30 days
  • Admit requests for persons in any registry of defaulters
  • You can divide the repayment of the loan online
  • It is a member of AEMIP and has the Trust Online seal
  • Be part of a financial group with a presence in several European countries
  • Very good customer service hours
Disadvantages
  • You will not be able to make an early cancellation of your micro loan
  • Requires providing additional documentation
  • You cannot apply for a micro loan if you are over 65 years old

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.

Product description

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 Age between 21 and 65 years
DNI Valid DNI or NIE
phone Mobile phone
Bank Have a bank account
receipt Additional documentation and / or guarantees

The application process at Viaconto

There are not too many complications in Viaconto , not to mention that it is a process very similar to those of other entities in the sector such as Vivus , Twinero , MoneyMan or Cashper .

  1. Indicate in the Viaconto simulator the amount you need and the return period
  2. Register on the web and fill in the form with your data
  3. Send the requested documentation
  4. You will receive an SMS indicating if your request has been approved
  5. If your micro loan has been approved, you will receive the money in your account in about 15 minutes
Application process

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.

Customer Support

telephone 930 180 960 mail[email protected] calendar Monday - Friday 09:00 - 22:00

Saturdays 10:00 - 15:00

Comments (8)
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  • Komentarz od Elena
    Published
    20.09.2019, 20:58
    Elena

    I have heard good opinions from Viaconto and can confirm that it is true. I recommend it

  • Komentarz od Julia
    Published
    07.09.2019, 13:20
    Julia

    I asked for a Viaconto loan to organize my parents' wedding anniversary. What a joy to see them so happy!

  • Komentarz od Xavier
    Published
    18.08.2019, 22:32
    Xavier

    They have been great to me and everything super fast. I will use this service again: D

  • Komentarz od FS.
    Published
    13.06.2019, 23:03
    FS.

    They helped me when I needed money for new appliances. As soon as I received my salary, I paid everything as planned

  • Komentarz od Pilar
    Published
    24.05.2019, 09:15
    Pillar

    I recently decided to move abroad and needed financial help to feel comfortable in the new place, so I decided to apply for the loan online. I paid for everything in the agreed time and I am happy with the service I received.

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