Zapo Credits - How does it work and how much can you request?

Allow extensions Yes
APR 5 %
Supports Credit Checker Yes
age 18 - 70 years
free first loan No
term 1 - 112 months
maximum first loan $ 50 - $ 30,000

Advantages and disadvantages of Zapo

  • Allow user requests in Credit Checker
  • They offer up to 300,000 us dollars
  • You can apply for microloans or term loans
  • All procedures are 100% online
  • They do not offer a free first loan
  • They do not have their own telephone number for the company, but for the group to which they belong

Credits Zapo is a lender company that belongs to the Novaberria Group, based in Madrid that offers online loans to individuals through its website. You can find from microcredits to term loans , being a good option to carry out different projects.

The services offered by Creditos Zapo are adjusted to different needs and financial situations. Finding a lending company that can offer us financing with the best conditions is important to avoid unnecessary expenses. In this opportunity, we will tell you everything you need to know about this lender, including the operation of its website, requirements, frequently asked questions and opinions about Zapo loans .

What is Zapo?

Credits Zapo was born as a fast and practical online financing alternative for individuals with different needs. From not having a direct debit payroll to a bank account, to appearing in a delinquent file such as Credit Checker or RAI , in Zapo you will find an alternative adapted to your monthly budget and your current needs.

In addition, its financing offer is quite wide, since you can request from 50 us dollars to 300,000 us dollars , being an ideal option to materialize projects in the short, medium and long term. In this way, it is not necessary to depend on a bank to obtain financing for a large sum of money.

How do Zapo credits work?

zapo credits is reliable

Applying for a Zapo loan is very easy and is 100% online; You do not have to do any type of paperwork or face-to-face procedure . The entire application process is done through its website and free of charge, following these simple steps:

  • Enter the website and click on "Request Credit".
  • According to the amount of money you need, there are 3 Zapo credit ranges from which you can choose:
  1. Less than 1000 us dollars.
  2. Between 1000 and 20000 us dollars.
  3. From 20000 to 300000 us dollars.
  • After selecting the type of credit you need, you must fill in your personal information, including name and surname, telephone number, province of residence and email.
  • Once you accept the data policy, all you have to do is click on "Request without obligation".
  • Wait for the credit answer Zapo in a few minutes; It is likely that they are carrying out a personalized study to offer you a customized financial solution .
  • Once you get the answer to your request, they will send you an online contract with the loan conditions . It is important that you read all the details very well to know if it fits your needs.
  • If you accept, you must send the signed digital contract .
  • The company may request personal documentation to verify your identity, but once they do, they will send the money to your bank account.
  • All that remains is to pay the monthly fee on the established date and during the agreed term.


In Zapo credits, an APR of 5% is handled, although this may vary depending on the type of credit you choose, the total amount requested and the established term. As this company carries out personalized financial studies for each applicant, you may be able to negotiate conditions that are more favorable to you .


Zapo credits represent one of the few proposals where you can access both microcredits and long-term loans from the same entity . Therefore, the repayment terms will depend on the amount you request, but can range from 5 days, in the case of microcredits, up to 10 years , in the case of installment loans.

Zapo credit types

types of credits in zapo

When you enter the website, you will notice that there are three types of credit, classified as:

  • Micro Credit: the amount ranges from 50 to 1000 us dollars, being an ideal financing to carry out short-term projects such as payment of rent, services, tuition, or payroll advance .
  • Zapo Crédito : in this category you can apply for a loan of 1000 to 20000 us dollars, being an ideal option for the acquisition of cars, reunification of debts , the payment of medical procedures or to cover the initial expenses of a new business.
  • Super Credit : this category includes loans from 20,000 to 300,000 us dollars and is basically focused on the acquisition of real estate such as a premises or a home. Online Credits Requirements

The requirements to obtain a Zapo loan do not differ from most lenders. They are more flexible than the requirements demanded by a bank, since they are aimed at a wider audience.

  • Being over 18 years.
  • Have a valid DNI or NIE.
  • Have a permanent address in United States.
  • Have email and mobile phone.
  • Certificate of regular income.

Are Zapo credits reliable? Feedback

Apply for zapo loans

You should know that all the information shared through the forms is stored in automated files that are regulated under current regulations regarding data protection. In addition, the website works with a series of measures that guarantee the confidentiality, integrity, availability and resilience of shared data , protecting it against unauthorized or illegal use.

Frequently Asked Questions about Zapo Credits

We have compiled the most frequent doubts that Zapo users usually ask about this company:

Can I request a Zapo credit if I am in Credit Checker?

Yes, at they evaluate your financial situation in a personalized way, taking into account different realities.

When will my request be answered?

Once you submit the request form with your details, you will receive a response in about 15 minutes.

Do I need a payroll?

It is not necessary to have a payroll, but you do need a regular income certificate.

How long will it take to receive my money?

Once your data is verified and depending on your bank, the money will be in your account within 24-48 hours.

Contact Zapo Loans

Although this company does not have a telephone available for contact, you can call the telephone number of the Novaberria Group to which they belong or contact them through the following mechanisms:

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