What are the credits without paperwork and the credits without payroll?

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Although the product offered by fast-loan institutions is usually the same, there is a certain nuance when it comes to loans without papers, without documentation or without payroll.

What is a paperless loan? What is a non-payroll loan?

Most entities require a lot of information about your project to be able to grant you the loan: explanations, endorsements, payroll … all this paralyzes access to the credit you need quickly. We know all the complications that this type of situation entails for clients, so at Creditomas.es we want to facilitate the conditions of access to credit, eliminating the excess of bureaucracy and all the accessory information. We only require the minimum information to make sure you can repay the loan.

A loan without papers or without documentation saves all this time in negotiations and documents to offer you the money you need at the moment. Only by connecting online with your bank to ensure greater confidence and security, you can receive your money for whatever you want. We ensure that all information is private and confidential, as we work with the utmost seriousness and professionalism. And we are regulated by the Spanish Agency for Data Protection.

When we refer to a loan without a payroll, we can interpret it as the need to provide proof of payroll or income, although it really emphasizes that it is not necessary to have an income from a payroll. That is to say, in Creditomas we do not demand a payroll corresponding to a stable labor contract to be able to process a microloan request. Revenues can come by other multiple routes such as benefits, pensions or self-employed billing, plus a payroll by itself is not synonymous with economic solvency.

Credits without payroll and without paperwork

What are the advantages of asking for an online loan?

A breakdown in your vehicle, a family unexpected, a longed-for vacation, the repair of an appliance … are everyday situations that we all face at some point and we do not always have that amount at that moment. An online Bridge Payday loan allows you to solve all these problems without having to spend hours and hours in banks. Asking for a loan online allows you to access the credit without endorsements, payroll or explanations. We summarize the advantages:

– Online loan management: Saves the bank in terms of travel, avoids queues and bureaucratic management time. From your own home, ask for the online credit easily without rushing or waiting of any kind.

– Money at the moment: Once our advisors approve the credit, it will be sent to the bank account of your preference without further paperwork. The time of
Reception depends only on your own bank, but the usual thing is to dispose of it in less than 24 hours.

– Credit without bureaucracy: Although it is always necessary to carry out some solvency verification procedures, the excess of bureaucracy does not contribute any value, neither for the client nor for the entity. A credit without paperwork minimizes this paperwork and offers the client the necessary security through the greater efficiency and efficiency of the process.

– Minimum requirements: To request a mini credit is not necessary to have payroll or endorsement. Many times the income comes from other sources: as unemployment benefits, pensions, family transfers … so we just need to check that you can return it. As simple as that!

How to ask for a quick credit?

Requesting a loan without an endorsement can be very difficult, but Creditomas.es makes it easy for you. Select the amount you need and the term in which you wish to return it, register on our website by filling out a small form, where we will ask you for your basic personal information and … that’s it! Soon we will call you to confirm that your data is correct. Once you identify yourself as a user, you must connect through your bank for security reasons. As long as you meet the requirements we ask, you will receive your money at once! You can always check the status of your request whenever you want by accessing your private account.
Requesting a loan online was never so easy and its return was not. If you are a new client, you can request a free mini loan of up to € 300. The return of the loan without papers is also very simple, you just have to make a bank transfer to the account number indicated. Once you make the refund within the agreed period, you can re-apply for another loan of up to 900 euros! If you can not return the money within the agreed period, you can request an extension of 7, 14 and 30 days. Check the conditions of the extension on our website.

What requirements must be met to request a credit without paperwork?

To apply for a loan without paperwork, you only need to reside in Spain, be between the ages of 21 and 70, own a mobile phone and not appear on any list of defaulters.
Now that you know what loans are right now and that we even have interest-free loans, do not hesitate to contact Creditomas.es to get the money you need. We will answer any questions or queries that may arise.
Write to info@creditomas.es and get that online credit you need to make your projects come true.

  • First loan
  • I am already a client

How much do you need?

  • 300
  • 600

– + EUR

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


Loan 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: info@creditomas.es 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: info@creditomas.es 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 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 info@creditomas.es 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.