Fast Loans with ASNEF Online


Loans with ASNEF

The National Association of Financial Credit Establishments, formerly the National Association of Financing Entities (ASNEF), is a Spanish business association that brings together all types of entities (financial entities, telephone companies, supply companies, insurers, publishers, public administrations). …) that are considered financial credit institutions, these entities are credit institutions specialized in offering loans, and that in general can perform a wide range of financial operations of assets, but without being able to capture deposits from the public. They are usually specialized in the granting of consumer credits. They can also carry out other types of operations such as granting guarantees and guarantees, financial leasing, factoring and issuance and card management.

Loans with Asnef and Rai are loans that are granted even as part of the Rai or Asnef defaulter lists. Many times, for some reason we fall into these files, which translates into not even being able to dream of receiving credits with Asnef and Rai from banking or credit institutions. This is because those entities see this feature of the client as too risky a matter for their own profit and the recovery of the money they lend.

Loan loan

Then we find that to obtain loans with Asnef quickly from these financial banking entities we will have to present a deed that indicates that we are the owners of a property because that will serve the company in case we can not return the money that will grant us. But, unlike traditional banks, this property does not necessarily have to be in the name of who is requesting the cash, it can also be a family member or a friend. The only condition of the loans with Asnef that will rule as exclusive is that it be a home that has no debts against it to be used as collateral by the company.

Alternative financial entities can freely and without restriction loans with Asnef and payroll without harming or generating another problem to the person who wants to be benefited. This is because companies like this commit themselves with potential clients not to carry out any type of research about the financial history of the same applicants or their family, nor will we ask them how they will use the money or how they arrived at the situation in the found.

On the other hand, when returning a loan with Asnef, the customer is presented with several payment options that can be chosen according to his projection: he will be able to pay dues for a maximum of fifteen years but not less than one, depending on his particular situation. This will be raised from the beginning and agreed with the company at the time of signing the contract and before carrying out the cash operation.


  • Online loans for defaulters registered in the ASNEF file
  • Flexible emergency loans with personalized conditions
  • Quick micro loans without endorsement and without payroll; the first one for free
  • Mini fast loans with low interest and no commission refund
  • Solvent, secure and immediate response personal loans


  • The applicant must be 18 years old, sometimes older than 25
  • The borrower must have his habitual residence in Spain
  • On occasion, being enrolled in ASNEF can hinder the process
  • Must have a bank account and credit regular income
  • DNI must be in force, as well as telephone and email

Currency Now loans

Frequent questions

1.What is the Asnef? ASNEF means National Association of Financial Credit Establishments. In this association are registered those people with some unpaid debt in what is called ‘Asnef file’. It is currently the largest registry of defaulters in Spain. The Asnef is composed of several financial entities and companies of all types (telephone companies, insurers, etc.) that include their delinquent users in the registry. ASNEF was created in 1957 and since 1994 it is managed by the US company Equifax.


2. Can I apply for a loan while at Asnef? Some banks have an evaluation system by which they determine if a person has the sufficient solvency to return the amount that you want in the determined term. Several factors fall within this system called ‘scoring’. One of these is to check the delinquent listings such as the Asnef to know if the user has previous debts, but in addition to this they evaluate many other factors.


3. Will the credit application be rejected if I appear in the ASNEF file? In short, being in Asnef does not mean that your application is rejected immediately. If your name is in this list for some reason you do not get discouraged because there are other factors by which you can be granted the loan even being in the file. Therefore getting quick credits with Asnef is not impossible.


4. How can I know if I am in the Asnef? The entity associated with Asnef that has registered the delinquent user has the right to inform them that they have registered their personal data in the file within 30 days of their registration. However, many are those who today are not aware of the list of defaulters for one reason or another. Companies that can see the name of the users registered in the file must pay a fee to see them. To know if you are registered as a defaulter in the Asnef list, you can talk to the company with which you have the debt or contact Asnef directly through the website.


5. How can I unsubscribe from Asnef? There are several scenarios by which you can delete your data from the file: If you have paid your debt and you are still in the file. It’s been 6 years or more and your data is still in the file. The notification of the company has not arrived or you are in disagreement with the amount of the debt. To unsubscribe you can go directly to the Asnef website and send an email to the address they indicate explaining your case. They will answer you with the different options that you have to eliminate your data from this registry.

Facts and Myths About Fast Loans


Moments online - facts and myths about fast loans

When we need quick money, we consider all possibilities. If a loan from a friend or family is not an option, you may want to consider payday loans online. Many people are afraid of this product and many myths have arisen around the industry. How does it look like taking a checkbook in practice?

Moments online – more expensive than a landline lender?

Myth! A loan taken via the Internet does not have to be more expensive than the traditional one received at a bank or non-bank institution. What’s more, online payday loans are often even cheaper than those given at stationary outlets. Applications are processed via the Internet, and money is immediately deposited in our account. The lender does not have to incur high costs of renting service premises, thanks to which he can offer competitive prices of payday loans.

Shorter waiting time for a decision

Fact! Applying for a quick online loan, we complete the application that passes the initial (often semi-automated) verification. If it is rejected in the first stage, we will receive the information shortly after sending the notification. If it is processed further, we will have to wait a bit longer, but in most loan companies the application verification procedure does not take more than a few hours.

Online does not require verification at BIK

Online slut does not require verification at BIK

Myth! Not always. Each loan company itself defines the rules on which it grants payday loans online. Some companies analyze the creditworthiness of a potential client only on the basis of his declaration, but many companies use the verification in the Credit Information Bureau or the BIG (Economic Information Bureau). Having other obligations does not have to discredit us in our efforts to get a quick loan.

Online slots are not completely secure

Myth! We set up bank accounts, deposits and take loans via the internet. Taking online payday is as secure as using other online financial services. The key is choosing a trusted lender and carefully checking the total cost of the loan.

Loan online is zero paperwork

Loan online is zero paperwork

Theoretically, this is a myth, because we complete the entire application online, and we track the status of our loan in the client’s online panel. The loan company must, however, send us a paper form of the contract and ask us to send back the signed form.

Fast Loans for Proof via the Internet

We already know that it is impossible to take a bank loan as an ID card. But if we are not interested in too complicated formalities and we want to receive money quickly, it is worth going to loan companies. Indeed, in such places, there is no problem with obtaining a loan for evidence. Usually, you only need to have a device with an Internet connection.

Money over the Internet


If we are really interested in taking a loan for evidence and via the Internet, we should expect verification of our personal data. First of all, we should register on the website. Then go to a very simple form , which will take a moment to complete. A non-banking institution that will want to check our data will expect us to confirm it in the form of a transfer. Most often it is a symbolic amount ranging from 1 groszy to 1 zloty. At the same time, the borrower gives his account to which the loan is to be transferred.

In fifteen minutes?

We often hear about payday ads in 15 minutes. Indeed, under favorable conditions, we can expect that the money will be sent literally in a few minutes after sending the verification transfer. However, it is worth knowing that our delay affects the later date of receiving a payday.


For example, by sending an application on a Friday evening, we will probably only receive the money on Monday. It is also worth checking if we have a bank account that has been listed on the company’s list in express transfers. If we take care of all these factors for money, we will not have to wait too long.

Loans without checking your credit history

Another very big advantage of loans for proof and at the same time without any certificates is that most companies do not verify the customer’s credit history. Of course, the most popular institution to check the timely repayment of previous debts is the Credit Information Bureau. But, as a rule, it only ends with checking the data in BIG, KRD, or ERIF.

Even if the client’s story leaves much to be desired, the final decision depends on the loan company. There are even such moments that are especially directed to people who are in a difficult financial situation. The most advantageous offer are free loans that do not have any costs charged. They are directed to new customers.

Where for a quick loan online:

Loan company Borrowed amount Commission APRC Amount to be repaid

PLN 1,500



PLN 1,500


1000 PLN



1000 PLN


1000 PLN

PLN 10


PLN 1010


1000 PLN



1000 PLN


PLN 1600



PLN 1600


PLN 1,400



PLN 1,400


PLN 1,500



PLN 1,500


600 PLN



600 PLN


1000 PLN



1000 PLN


Worth knowing!

darmowe chwilowkiOften, when reviewing loan offers, we can come across many concepts that we do not fully understand. We know more or less what they can mean, but we are not really sure what they mean in practice.
These concepts include:

Actual Annual Interest Rate (APRC) – this is colloquially called the actual interest rate taking into account all costs along with the basic interest rate offered. These costs include, among others, commission, margin, insurance, but also costs related to the debt collection process and prior monitoring of the client.

Renewing the loan – As of now, most companies allow you to extend the repayment of loans. Most often, we can talk about a period of 15 to even 60 days. But you need to know exactly which non-bank institutions give you permission to transfer the debt repayment date, as well as what costs will be associated with such maneuver.

Interest – that is simply interest rate. For some time there has been a rule that they can not exceed 4 times the Lombard rate of the National Bank of Poland. What in 2015 gives a maximum value of 12 percent.

Prompts – these are notifications informing about the repayment date. At the same time, it must be remembered that latecomers borrowers will have to cover the costs of reminders. Their prices are determined so far individually by non-bank companies.

Debt collection process – This is a later result of non-repayment of the loan on time. Debt collection costs are determined by a non-banking company, and at the same time are added to the borrower’s total debt.

Loans for evidence are dedicated to every adult person. Although in fact some companies reserve a minimum customer age of 21 – 30 years. In order to receive a payday, all you have to do is fill out a simple form, to which we are obliged to attach a certificate or statement about your earnings. The conditions for receiving the money are set individually by the company. According to the regulations, customers do not have to show a minimum creditworthiness.


Fast Money will Repay Ten Customer loans for reviews!

One of the largest and most serious microfinance companies in Russia is celebrating its tenth anniversary! This means that “Fast Money” for ten years of fruitful work has been able to help more than 3 million customers cope with their monetary difficulties. The company successfully survived all economic crises, and continues to lead in excellent form in the ratings of the country’s financial industry. To its anniversary, “QuickMoney” holds a competition where he will write down debts to ten participants for interesting and creative video reviews about the work of the company.

Fast Money will repay ten customer loans for reviews!


How to take part in the contest from “Fast Money”?

How to take part in the contest from "Fast Money"?

For a creative approach to business as usual – a good service tip – a financial partner can forgive you a debt. Few companies can boast of such generosity. The competition dedicated to the anniversary will be held from June 4 to July 23, 2018. It is in this term that the borrower should get a microloan from the company and take part in the action.

We remind you that the delay in payment will automatically exclude the participant from the competitive race. First of all, it is necessary to rely only on oneself, and not to wait for victory to get rid of the loan obligation.

We advise you not to delay, but to come up with an interesting story for a review. After all, all clients of the company who apply for a loan during the promotional period can take part in the competition. But it is also necessary to post a video review before July 23 inclusive.

More about the company

Getting an instant microloan is becoming easier every year: a passport and a mobile phone will be enough to arrange a loan commitment in the stationary office of the company and without any hassle to improve your financial situation. Fortunately, in our country there are about 500 stationary departments of the company. And experienced staff will help you quickly fill out a registration form and an application, answering all your questions. With the help of the official branch it is also possible to get a microloan in cash .

If the borrower does not have the opportunity to visit the office, or there are no branches in his city, we invite you to use the organization’s online service. By filling out an application and specifying a bank card number, the client can count on a money transfer within one hour after considering the application. Do not worry, the service works around the clock, and even on Saturday night, Fast Money will not leave their customers in the lurch.


How to save on microloans?

Taking part in promotions and sweepstakes from micro finance organizations , borrowers can save. The analytical portal Mrs. Grundy allows its readers to be one of the first to find out about new products and special offers of the non-banking industry. For example, beginners all year round have the opportunity to be credited for free. Thus, financial companies earn a positive reputation from new customers and hope for a speedy return for a new loan agreement .

In addition, before major holidays or other events, companies hold promotions and sweepstakes for all customers. By taking part, borrowers can save on interest and win valuable prizes. Most often, expensive smartphones and tablets are played, but there are also cars.

But the main condition for participation in promotions and sweepstakes is a timely paid credit commitment. We advise you to always seriously calculate the solvency and not get any microloans in case of an extreme need. Delay and non-payment can ruin your credit history and make it impossible to borrow in all financial companies, including banks.


Loans and Fast Loans Online without Papers


 OK Money loan

Fast loans online

Bank loans are loans granted by the bank to which it is requested and which are approved -and cataloged- as credits to ordinary consumption.

In contrast, the advantage of non-bank credit lies in its accessibility and minimal administration. The important thing is that the granting of each loan is fast and effective. To manage a fast non-bank loan, it is sufficient to have access to the internet and register. Everything else is managed by the private lender or credit institution, which is not a bank. The applicant does not have to deal with anything else.

Through both we can obtain what is called a “quick loan”. It is called fast loan to the amount of funds that the bank offers to the client as an advance or help for an important investment that the client is going to carry out in the short term. In exchange for borrowing money from the bank, the borrower must reward this financial aid through an interest payment directed to the bank itself, whose amount is constituted by the amount of the loan granted, plus interest established by the entity and an extra amount in concept of fees for the management and administration services of the loan. This is what is summarized by credit return.

Loan loan

Depending on the type of loan in question, the lender will adopt a more or less strict position regarding the knowledge of the purpose that the borrower plans to give his money. That is, there are cases, especially in quick loans -which usually involve lower amounts-, where the loan application conditions do not require the borrower to inform the bank about where he will invest his money or for what or why he needs it. On the other hand, in credits that involve higher amounts, the entity may demand the disclosure of said information through the legal and / or financial documents considered necessary.

Both banks and private lenders are often faced with fraudulent situations or fraud attempts by customers, who have previously breached the terms of another lender or who have registered in a file of defaulters, thus accumulating debts with third parties. The policy of trust and reliability of each bank towards its clients is diverse and subjective, however, the financial laws are clear and do not leave room for personal interpretations. The main source of financial law is the Spanish Constitution itself, whose articles 149.1, 11 and 13 give the State exclusive competence on the bases of the management of credit, banking and insurance, and on bases and coordination of the general planning of economic activity . These norms are developed in Law 44/2002 of measures to reform the financial system.

Credit loan

The result of a regulation tailored to the needs is a greater capacity of response of the banks with respect to clients with less expectations of success or fulfillment of the necessary financial conditions to obtain a credit. Despite having legal defense and reaction mechanisms, lenders tend to grant loans only to borrowers with solvency and clearly guaranteed liquidity.


  • Reliable, urgent loans with immediate and solvent response
  • Quick credits with low interest and the first is free
  • Urgent minicréditos without endorsement and 100% online
  • Mini flexible credits and early refunds without commission
  • Personal loans with personalized conditions


  • The borrower must be of legal age
  • The borrower must have his residence in Spain
  • Must have a bank account with regular income and solvency
  • It can not be registered in files of defaulters
  • You must have a valid ID, and a working phone number and email

CreditYour quick credit

Frequent questions

1. How can I enjoy the services of my bank in the case of not being able to move to the nearest branch? No doubt you can enjoy all the services provided by the bank without having to go to any branch and even without having to leave home. If you can not go to the bank, the bank will go to you. This happens thanks to the 100% online service offered to customers. Through its website, you can request a credit through the online application system from wherever you are, at any time and any day of the year. Unlike physical branches, virtual branches are always open to you.


2. What is the minimum and maximum amount of money I can request in an online loan?

Each bank establishes a lower limit and a higher limit of the loans to be granted. The exception will be found in non-linked loans, for which there are lower ceilings. As a general rule, the upper limit of the credit to be granted depends on the type, its purpose, the quality of the business plan and the probability of its success.


3. Can I get a credit from an entity in Spain if I am abroad?

The answer is that, if our tax residence is established in another country, a bank in Spain will not grant us a loan. Being a resident in Spain is one of the essential requirements to access this type of loan.


4. Will I be granted a credit if I do not have an indefinite contract?

At the time of granting a credit, the entities will be fixed in the economic situation of the applicant and its behavior with respect to the previous payments. Having an indefinite contract will always facilitate obtaining a loan, but it is not an indispensable requirement. If the rest of your conditions are good -for example, you have stable income and you do not have delays in payments or you are included in delinquency lists like ASNEF-, the type of contract does not have to be an inconvenience.


5. I want to ask for a loan and I do not have a guarantor. Will they give it to me?

As we have seen, many entities are going to ask us for a guarantor to grant us a loan, especially if we are talking about high amounts. However, if we do not have an endorsement, we can access the quick credits of less than 6,000 euros, which have some minor requirements for their concession and may give it to us without a guarantor. Of course, it is very likely that, in return, interests at the time of return are much greater.

How to Get Fast Money in Austria

Getting fast money can be important. Sometimes it is financially tight or there is a greater desire that you can not afford directly from the resources available.

And you do not always want to negotiate long with banks and credit institutions, fill out many forms and collect many papers, but you just want to quickly get the money needed.

There are plenty of opportunities to do so, and here’s how to get started quickly and what you need to be aware of.


Fast money lends to the fulfillment of smaller and larger wishes

Fast money lends to the fulfillment of smaller and larger wishes

In today’s consumerized time, there are many big and small wishes that you would like to meet, but not always that is financially directly feasible.

In other cases, you need urgent and quick money because the car or the washing machine broke down and replacement must be procured or an expensive repair must be paid.

In these cases, you can not or do not want to wait for a sometimes time-consuming decision-making process of the house bank, but you want to have the money quickly and uncomplicated as possible.

This type of fast loan is quite possible and of course, to get in a completely legal and secure way.

For example, this fast money is offered

  • from online banks and direct banks
  • from crowdlending platforms
  • as a personal loan
  • as a corporate loan
  • from pawnbrokers
  • from various mail-order or department stores


Online banks and direct banks

Online banks and direct banks

With online banks and direct banks one can carry out all transactions directly on-line, without for example having to arrange an appointment with an agent in the local branch. This already means a great time savings and the loan approval is usually very fast at the online banks and direct banks.

So you can often already have a few days after the application to dispose of the money. Like other banks, however, the online banks and direct banks require certain securities and inform themselves in advance about the creditworthiness of the applicants.

For example, copies of the last payslips have to be attached to the application, but since this can also be done by computer rather than by post, a great deal of time is saved.

A loan at an online bank or direct bank is thus nothing more than a normal bank loan with the difference that it can be applied for conveniently from home without having to take account of appointments and opening hours, and that the commitment often very fast, sometimes on the same day, done and you can dispose of the money within a few days, assuming a sufficient credit rating.


Crowd lending

Crowd lending

Another way to make money quickly is to use peer to peer loans or crowdlending platforms.

On platforms like Lendico, anyone can submit a credit application, stating how much money is needed and for what. Free uses may be indicated as well as fixed uses such as the purchase of a new car, the financing of a move or the financing of training or retraining.

Private investors wishing to lend small loans can then participate in any amount of this so-called P2P (Peer to Peer) loan, and when the desired sum is reached, they pay their investment and the money is paid out to the borrower through the platform , A sufficient credit rating, which is checked by the Crowdlending platforms, however, is also required for this credit method.


Other forms of loan

There are also other ways to borrow money quickly, such as

  • a loan from the provider Cashpresso, which, given its creditworthiness, quickly grants small loans up to € 1,500
  • a loan from a company such as Profikredit or Wienkredit
  • a request for an advance from the employer. Some companies also offer loans for their employees
  • a request in the family

While many people are reluctant to ask for help in the event of a financial shortage in the family or in the company, these options make the most sense, especially in an emergency, when it is tight financially, because in an emergency one does not get into loan sharks exploit the financial distress and possibly lack of creditworthiness through high interest rates. It is true, the worse the credit rating, the higher the interest and the more expensive the loan.

For example, anyone who does not get paid at the bank often gets a loan from companies such as a professional loan or a Wienkredit loan, but at much less favorable terms.


Mortgage property

Anyone who has no way of lending money quickly can also turn existing property into money. This is possible, for example, in the pawnshop. Anyone who thinks that pawnshops are a thing of the past, and at the moment they only appear in novels that play in shady circles, is mistaken.

Pawnbrokers are still there and there you can borrow various items such as computers, consumer electronics, jewelry or even expensive clothes. The pawnbroker pays out an amount for the items and you have a certain period of time during which you can repay the borrowed money and get back your pledged valuables.

If you do not repay the money on time, the pledged property becomes the property of the pawnbroker, who then sells it.
In addition to a variety of valuables, cars can be loaned in this way and provide fast money when needed.

Since the loaned items are lost if they are not triggered on time and the pawnbroker usually gets less than a regular sale, this method of earning money quickly is more suited to real financial shortages and distress than to Wishes that you would like to meet at short notice.


Buy now, pay later

When it comes to fulfilling material wishes, some stores offer deals like “buy now, pay later”.
This offer can be found especially at mail order companies and online providers, which attract customers to buy.


You must pay attention to this

As always, compare, compare, compare and even when it comes to fast money, you should take the time to compare the offers to find the cheapest terms, whether the bank loan or another form of loan. And before you go into the hands of expensive loan sharks, you should better jump over your own shadow and ask for help from the family or the employer.