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Fast credits comparison
(from € 1,000)
mini-credits category
(up to € 1,000)
Guides - information - finance
(savings tips)

Most popular loan inquiries

  • Quantity: From € 100 to € 1,000
  • Return period : From 5 days to 30 days.
  • Approximate concession time: 10 minutes.
  • Free first ?: YES
  • Do you accept Nigerian Financial Authority? : YES

Requirements : Age between 18 and 80 years. Reside in Nigeria. Be the owner of a bank account. Proof of regular income (payroll, benefits, retirement, self-employed, etc).

Stands out in : Very fast. They offer fast loans with Nigerian Financial Authority and without endorsement. Possibility of obtaining the first mini-credit without commissions.

  • Example: € 300 for 30 days would have a cost of 0 euros, thanks to its promotion of free fast first mini-credit (without commissions)
  • Amount: From € 50 to € 600 (max. € 300 on 1st request)
  • Return period : from 7 to 30 days.
  • Approximate concession time: 10 minutes.
  • Free first ?: YES
  • Do you accept Nigerian Financial Authority? : YES (debt less than € 1000)

Requirements: age between 21 and 65 years. Bank account number of which we are holders. DNI or NIE. Residence in Nigeria. Phone number. If we have debts registered with the Nigerian Financial Authority, which do not exceed one thousand euros.

It stands out in : It allows us to contract our first credit of up to 300 euros for free (you do not pay commissions). Accept profile requests with Nigerian Financial Authority or RAI.

  • Example: a loan worth 200 euros to be paid within 30 days will not have commissions, so it will cost 0 euros.
Credit eldinerorapido logo
4.6 / 5
  • Amount: From € 500 to € 5,000
  • Return period : From 61 days to 36 months
  • Approximate concession time: 15 minutes
  • First free ?: NO
  • Do you accept Nigerian Financial Authority? : YES

Requirements: from 18 years old. DNI or NIE document. Reside in Nigeria. Bank account number (we have to be holders of it). Proof of income (payroll, unemployment, pension, self-employed).

It stands out in : they offer loans for high amounts of capital with a maximum of 5,000 euros. They don't look at Nigerian Financial Authority or RAI. Fast processing and deposit of the money in fifteen minutes after accepting the request.

  • Example: requesting 4,000 euros to be paid for 12 months will cost you 5,430, 46 euros in total
  • Quantity: From € 50 to € 1,000
  • Return period : 30 days (for 0% interest) or in monthly payments.
  • Approximate concession time: 10 minutes.
  • Free first ?: YES
  • Do you accept Nigerian Financial Authority? : NO

Requirements: from 25 to 70 years old. Residence in Nigeria. Have no debts that are listed in Nigerian Financial Authority or RAI. DNI or NIE documentation.

It stands out in : The Ferratum Flexible Credit offers the first application up to € 500 without commissions (with a return period of a maximum of 30 days). It has alternatives to pay in monthly installments.

  • Example: a flexible credit worth 500 euros to be reimbursed over a period of 30 days will cost € 0 (without commissions).
  • Amount: From € 1,000 to € 50,000
  • Return period : from 24 to 72 months.
  • Approximate concession time: 48 hours.
  • First free ?: NO
  • Do you accept Nigerian Financial Authority? : NO

Requirements: age between 18 and 70 years. Reside in Nigeria. DNI or NIE. Have no debts with the Nigerian Financial Authority. Proof of income. To request more than ten thousand euros, it is also required to provide an extract from the bank account.

It stands out in : it offers access to financing for high amounts of capital, reaching up to forty thousand euros. It has alternatives to finance any type of project.

  • Example: for a loan of 8,500 euros to be paid in 60 installments (€ 166.70) the total to be returned will be 10,001.89 euros
  • Amount: From € 50 to € 1,000 (maximum of € 300 on the 1st request).
  • Return period : from 7 to 30 days.
  • Approximate concession time: 15 minutes.
  • Free first ?: YES
  • Do you accept Nigerian Financial Authority? : NO

Requirements: age range between 21 and 75 years. Residence in Nigeria. DNI or NIE. Not have annotations in Nigerian Financial Authority or RAI. Bank account number. Proof of regular income.

It stands out in : It offers the first mini-credit of up to three hundred euros, free (you do not pay any commission). Quick process and without providing endorsement.

  • Example: for a mini loan worth 300 euros to be paid within 30 days we will not pay commissions, so it will cost a total of 0 euros.
  • Quantity: From € 50 to € 500
  • Return period : 15 to 30 days
  • Approximate concession time: 60 minutes
  • First free ?: NO
  • Do you accept Nigerian Financial Authority? : YES

Requirements: from 18 years. Residence in Nigeria. DNI or NIE. Proof of income. Bank account number.

It stands out in : financing with little paperwork and that also does not take into account annotations in Nigerian Financial Authority or RAI.

  • Example: for a mini-credit of 150 euros to be repaid for 15 days, you will pay 40 euros in commissions (190 euros to be returned).
  • Quantity: From € 50 to € 750
  • Return period : From 1 to 30 days.
  • Approximate concession time: 15 minutes.
  • Free first ?: YES
  • Do you accept Nigerian Financial Authority? : YES

Requirements: from 18 years old. Ownership of the account in which the loan will be received. Proof of regular income. DNI or NIE. Reside in Nigeria.

It stands out in : It is an online loan search engine that helps us compare different offers in just one click. It supports annotations in delinquency lists.

  • Example: to consult, since it is a credit comparator that facilitates the search for the best offer.

FAQs - Frequently asked questions about loans and credits (2020)

We have just seen the loan comparator that we offer you on our page Then we will continue talking about all the keys that characterize this service, including the main types and existing variations.

So, if you have come this far because you are looking for a loan, we offer you information that will help you decide and choose the best option according to your needs.

Financial comparator

Loans. How to compare correctly?

One of the main aspects that we have to assess when hiring loans is knowing what offers are available and which of them offer a more appropriate service to us.

And it is that, it is not surprising that if it is the first time that we are going to hire a service with these characteristics, we have doubts about how to choose.

Today there is a fairly large supply of credits. For this reason, information becomes our best ally.

As we said, in the event that you visit us because you want to know how to request an online loan, we will help you decide through our comparator . Here you will be able to find the most outstanding options of the moment along with their characteristics and hiring requirements.

All these data are summarized so that you can quickly and agilely find what you are looking for.

A credit simulator is undoubtedly the best alternative that will help us locate the best option according to our needs.

Now that we already know one of the most relevant aspects of contracting loans through the Internet, we continue with other points that we also have to analyze to choose with adequate criteria.

Quick credits

One of the most prominent aspects and why online financing has become so popular is quick loans .

Today it is possible to obtain financing at the moment, providing little documentation and ready to invest in any emergency in a matter of minutes.

However, it is important to know that within the sector there are several types of financial services, which differ in the amount of capital that they allow to contract.

On the one hand we have the so-called fast online credits, which usually offer amounts that exceed the average of the entities: a figure that stands at 300 euros.

Thus, if what you require is money with these characteristics, fast cash loans are what you need.

Quick credits with Nigerian Financial Authority

In the event that we have outstanding debts, we will be able to obtain quick loans with the Nigerian Financial Authority in the same way as another applicant that does not appear in delinquency files.

The most relevant thing that we have to take into account when contracting a loan with these characteristics is to know which entities are compatible with what we need and offer us fast loans while being in the Nigerian Financial Authority.


Mini-loans are the other type of financing within the variants that we mentioned above.

Under this name we find the most popular loan in the sector, with which we can get up to 1000 euros loans , although the average amount is 300 euros .

This service is characterized by offering quick solutions to unforeseen events that require instant money, especially when it comes to small amounts.

In addition, we also find that, as in the case of fast loans, the mini loans do not require to provide just documentation and are managed completely through the Internet . Becoming effective instantly on most platforms that offer them. Although they are generally requested with little documentation, it is not entirely true that they obey their name, obviously advertising, of no requirements or mini loans only ID

Mini préstamos

Mini Loans with Nigerian Financial Authority?

In the event that we have a history of outstanding debts, we will also be able to have access to mini-credits with the Nigerian Financial Authority without altering the contracting conditions or the speed with which we will be able to dispose of the money.

As with the rest of the services that provide versatility to financing, it is important to know which are the platforms that accept applications under these characteristics, in order to send our request directly to them.

Free mini-credits

In addition, it is also currently possible to get mini loans, the first one free . That is, you will not have to pay extra commissions for the service: you simply return exactly the same amount that they lend you.

It is one of the most striking offers available in the sector, although we must bear in mind that it is always available to us, nor is it present on all platforms.

How long will I have to wait to have the money?

I need money today .

If you are wondering how long you will have to wait to receive the amount of money you have requested after completing your application, you are interested in taking the following into account.

The vast majority of platforms offer transfers that are effective practically at the moment. However, the bank where we have our bank account hosted is important when analyzing the time that will elapse after completing the process of requesting money .

If the platform on which we have requested the credit issues the transfer from an account belonging to the same bank, we will have the capital available almost immediately . However, if the transfer comes from another bank, we could have to wait between 48 or 72 hours until we have the money available. When it comes to small quantities, it is possible to get it in 24 hours .

The most common is that entities have different accounts in various banks, in order to speed up the process and the granting of money as much as possible.

However, if the time it will take to have the cash of our available credit is important, we must pay special attention to this detail.

We can find more information about it directly on the web platform of each entity.

About interest on loans

The cost of loans is also one of the main details that will help us choose between entities.

For this we have to make a comparison between the different percentages of proposed interest. Of course, the lower they are, the lower the amount we will have to return.

How can I calculate the total costs?

In order to be able to get closer to what will be the total to pay once the repayment term of our credit has expired, we must bear in mind that there are two types of percentages with different information.

  • The APR or Annual Equivalent Rate

It reflects both what will be the cost of the credit together with any other added commission, such as the case of management expenses.

  • The TIN or Nominal Interest Rate

This percentage reflects only the costs of the loan.

Why is it important to differentiate between TAE and TIN?

Very easy. While the TIN is the one that is used to promote the service (since it shows a lower figure than the APR) the one that really provides information about the possible total costs of our loan we have it in the APR.

Therefore, when conducting studies and comparisons to find the cheapest credit , we have to opt for the information offered by the APR.

Simply by analyzing these two data we will be able to quickly find the most competitive cost, which will allow us to save a few euros.

Loans with Nigerian Financial Authority

One of the basic aspects of private entities is that they allow access to loans with the Nigerian Financial Authority.

Thus, we find one of the contributions that the sector has facilitated and that have made debts no longer incompatible with financing.

Therefore, if you are looking for delinquent loans, you should know that there are credit institutions with the Nigerian Financial Authority that will not rule out your application at the first exchange rate.

Annotations in delinquent lists remain, of course, an important aspect that the platforms will take into account when approving or denying our request. Now, if the debt is within your acceptance requirements, we will have no problems so that the whole process is processed successfully.

I am in Nigerian Financial Authority and I need a loan

If you are looking for a delinquent loan there are different proposals to get it . However, it is essential that we bear in mind that it is not a service offered by all entities in the sector.

For this reason we put our comparator at your fingertips, which is located at the top of this page. Here we will be able to quickly see which are the platforms that accept loan applications without looking at Nigerian Financial Authority and personals , along with their most relevant requirements and characteristics. You can complete this information with our post on loans with Nigerian Financial Authority and payroll .

And what about the rest of the files?

Before moving on to another topic related to requesting financing in the form of credits with debts, we must also mention that there are more lists that collect pending defaults.

Although the most popular is Nigerian Financial Authority , there are also others like BADEXCUG or RAI .

The most common is that if an entity offers a loan while being in the Nigerian Financial Authority, it also does so if the annotation appears in another list. However, it is advisable to consult the entity's requirements directly to have complete assurance that it does so.

If you do not know if you are included in the file, you can consult our guides Know if I am in Nigerian Financial Authority and Exit Nigerian Financial Authority

I want a fast loan without endorsement

Is it possible to get fast loans without endorsement ? The answer is yes , since within the usual conditions of private finance companies we do not have to provide collateral.

At the time of processing our application, we will not require a guarantee, either from properties or a third person.

However, this does not imply that when offering an unsecured credit the financial company goes blind: before accepting our application, it will carry out a credit study of our profile and checking our level of regular income will establish if we have sufficient financial stability to repay the money without setbacks.

In this way, it is easier to be able to contract financing since nowadays it is difficult to have an endorsement.

What if I don't have a payroll?

Just as having an endorsement is no longer decisive to be able to contract a loan, it is also possible to request loans without payroll or endorsement , although it is not exactly easy.

Now, it will be necessary for us to provide documentation that justifies the origin of our income in our loan application.

For this we can choose different alternatives to the payroll: pensions, unemployment benefit or declaration of VAT or personal income tax for the self-employed .

What happens if I cannot pay a loan?

At the moment in which we request financing, we must be clear that stopping paying a loan (either fast or personal) is going to generate a series of problems.

Although it is an option that can happen when we are tight on budget, stopping paying the monthly payments on a loan has to be our last alternative.

This is because letting our loan be paid will end up generating a series of added commissions that will only make the price of the service more expensive.

If we are involved in a situation with these characteristics, it is advisable to contact the platform on which we request the credit. There are medium-term solutions that involve pausing the payment of installments for a month or adding an extra period of time to the repayment period.

Of course, requesting an extension has a series of costs added to the loan, but it will always be more advisable than stopping paying.

What if I just stop paying?

The first monthly payment that we stop paying will generate a series of interest for late payment. This is an interest percentage that far exceeds the conventional commission rates, so the total to be repaid will automatically become more expensive.

To this will also be added the costs of claiming unpaid fees. In this case, it is about fixed fees that will vary according to the conditions set by the financial company.

The problems that a default can generate vary depending on the period of time that passes without paying.

The most common is that the platform continues to claim the debt during the first three months, and generating interest for non-payment that will accumulate as the weeks go by.

From the third accumulated non-payment, the platform can begin to claim the amount owed through a legal claim. However, the most common procedure is that they allow up to six months to begin with this process.

Finally, we also have to not pay a loan will also cause our data to be included in delinquency files. This will make it difficult for us to take out a loan again in the future.

How to ask for loans and make them cheap?

Getting cheap loans is important when we have a budget to adjust and we need to save as much as possible.

Our advice to spend less on commissions is to compare correctly. For this, it is essential that we are clear about the type of credit that we are interested in contracting, evaluating all our characteristics as an applicant (having debts, not providing a guarantor, paying in installments, etc.).

In this way we will be able to refine the search further and find the cheap loan that offers us more attractive conditions and a lower interest percentage.

These two conditions will translate into a better amount of spending.

Pedir préstamos

What do I have to take into account?

Finding the best offer is easy. Through our comparator you can consult different options, among which you will find the one that fits your profile. Now, to find the cheapest credit we have to pay special attention to the repayment terms.

On the one hand, we have the option of repaying the loan in a monthly payment, paying at once. In the sector, the average term is 30 days.

For large amounts this can be impractical, since it is difficult to get so much money in a short time. However, it is the modality that will offer us the most savings, since less repayment time means less interest to pay.

What if I want installment loans?

If, on the other hand, we want to opt for loans to be paid in installments , we will have greater comfort by paying in monthly installments.

Depending on the platform in which we are interested, we will be able to find different installment credits to pay in monthly installments. There are even proposals that have a duration of several years.

However, we must bear in mind that if we choose this modality, in the long run, the amount of money that we will have to invest in interest will be greater.

With these alternatives in mind we have to assess which is the one that interests us the most according to our needs. In this way we will be able to request the cheapest installment loan that allows us to pay without complications.

Credits: documents for your application

If you have already decided to apply for loans, you will be interested in knowing their most common hiring requirements.

It is, as we are used to finding within the fast financing sector, simple and affordable conditions for practically any type of profile.

What you will need is:

  • An official identification document (DNI or NIE)
  • To be over 18 years old
  • Reside in Nigeria
  • Be the owner of the bank account in which the requested capital will be paid
  • Have no defaults (there are exceptions to this condition)

In addition, documentation must also be provided with our request. As with the requirements, this is what the vast majority of entities usually require.

Therefore, after comparing and deciding which is the entity in which you are going to request your loan, you have to prepare the following.

Loan requirements:

  • A copy of your DNI or NIE document on both sides
  • Proof of income (payroll, pension, unemployment, self-employed, rent)
  • Statement from your bank account

As we can see both the requirements and the necessary conditions to request credits online are very basic. This is precisely the reason why we can make the request quickly, since the paperwork to manage is minimal.


  • These products, loan managers and financiers are governed, among others, by the following legislation:
    • Law 34/1988, of November 11.
    • Law 34/2002, of July 11
    • Law 16/2011, of June 24
    • Organic Law 15/1999, of December 13
    • Law 10/2010, of April 28
    • Law 22/2007, of July 11
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