Do not believe the leads thinking, with these quick mini-credits you will pay the bill of the light

urgent money

Electricity consumption stood at 5.1% in February, a point and a half above the previous month, according to data published by Bankia Estudios. A figure was around -2.0% when the year began. If we have noticed this increase in our electricity bill and we do not get the numbers, in this article we find three solutions to this problem so that it does not complicate us to reach the end of the month. In the market there are lenders who offer quick mini-credits through the Internet and in just a few minutes.

Ask for the Guide: How to get fast money online

The solution when your electricity bill is not what you expected

Image result for electricity billSometimes reality exceeds fiction, and the amount we had been paying on our electricity bill has nothing to do with the figure we just received. Also, we are not always prepared. If we are recovering from the excesses of the holidays, it may be difficult to comply with the receipt without risking our financial capacity to reach the end of the month. In these cases, fast loans can be the solution to get up to 300 euros if we are new customers without falling into default. Below, we show some private credit companies that offer financing in a few minutes to cover this mishap and reimburse this receipt:

Loan Maximum amount Cost / € 100 to 30 days Term I’m interested
Minicrédito Vivus Up to € 300 new customers Free Up to 30 days
Apply for
Dineo Minicredit Up to € 300 new customers Free Up to 30 days
Apply for
Ferratum Minicredit Up to € 300 new customers Free Up to 30 days
Apply for

If we take advantage of the promotions that some lenders usually launch, we can get the financing we need and return it without paying interest. The capital that we are going to have will depend, in most cases, on whether we have requested other quick mini-credits with this same entity. If we compare products in the market, not only can we solve the problem, but we will also have done it totally free.

Do not let the quick minicréditos get out of hand

Although quick mini-credits can save us from some other annoyance, it is advisable not to resort to them to request financing in any situation. These are credit products designed to cover specific incidentals, so if we want to get the most out of them, it is necessary to go to them only in cases of emergency. Therefore, they will be a way to obtain urgent money in a timely manner and in the short term.

In addition, they are credit products with an average interest of 1.1% according to the data of the Bank of Spain . A percentage higher than other credits that we can find in the market. Taken into practice, for an amount of 100 euros that we will reimburse in 30 days, we will have to add the interest generated   of 33 euros for having the capital and solving our financial problem. A price that, although it may seem high, makes the difference between arriving or not at the end of the month thanks to the quick mini-credits.


CreditoZen mini-credits with ASNEF

CreditoZenWith CreditoZen you can request a mini-credit of up to € 1,000 even with ASNEF and without payroll. CreditoZen offers the cheapest interest rate in the online credit market. You can get money urgently in just 10 minutes.


Benefits Free: First free credit No Payroll: Yes With Asnef: Yes Cash: Do not Limits Minimum term: 5 days Deadline: 30 days Minimum loan: € 50 Maximum loan: € 1,000

Additional information of CreditoZen

 CreditoZen is a company specialized in small quick credits through Internet that allows to request minipréstans of up to 1.000 euros with a return period of up to 30 days without questions and without papers, it even allows to request mini-credits with ASNEF .

To get the urgent money you need, you simply have to fill in the application with your personal information, you will see that the feasibility study is done in a few minutes and that you receive the money instantly.

In addition, the first loan of up to 300 euros is free and without interest .

CreditoZen applies interest rates well below the rest of fast-credit companies, the only requirement is to have some source of income such as payroll, pension or unemployment benefit. Getting a credit in CreditoZen is simple, fast and cheaper than in other financial ones. Of course, as we have said, new customers can only request up to € 300 on their first loan, to also return in a maximum of 30 days.

How to apply for a quick loan at CreditoZen

Image result for how to

To request an amount of money in CreditoZen you have to do it through the Internet, so to make a request the first step is to have a device with connection and access the CreditoZen website to start the process. All the process takes very few minutes and the money is received as soon as the automatic system approves the granting of credit.

The first step is to choose the amount and the term taking into account that new customers can not ask for more than € 300, although in the following credits they may request up to € 1,000. Automatically CreditoZen offers on the screen the amount to be returned, and if we are satisfied we fill in the personal and contact information .

After completing the data, CreditoZen verifies the veracity of the same, normally automatic identity verification systems are used through Instantor, in this way the process is streamlined by avoiding the sending of papers and documentation . In some cases and only for new clients CreditoZen can request some additional verification, but in that case they will contact directly with the client.

Finally, if the request is accepted, the money is automatically transferred to the customer’s account and the client can use it for whatever they want, since there is no need to explain the purpose of the money.

Apply for mini-credit with ASNEF in CreditoZen

CreditoZen loans money to people that appear in ASNEF, the process to request a mini credit with ASNEF is exactly the same. The company automatically checks the ASNEF files to check the debts of its customers.

The only limitation is that the debts registered in ASNEF can not exceed € 1,500 , it is a higher figure than its competitors and therefore it is easier to get one of these loans in CreditoZen than in other companies if you are in one of these lists .

Requirements to obtain a loan at CreditoZen

Although the requirements to get urgent money in CreditoZen are few, all must be met or the urgent credit will not be obtained. The conditions that must be met are the following:

  • Reside in Spain and be the holder of a Spanish DNI or NIE.
  • Be between 18 and 70 years old.
  • Do not have debts in ASNEF higher than € 1,500
  • Have some source of income (payroll, pension, unemployment, etc.).
  • Have an account in which the credit is entered: can be as owner, authorized or representative.
  • Have a mobile number and email account to contact.

Fulfilling the above, the money will be received instantly and in a few minutes as the mini credits of CreditoZen do not require any type of guarantee or additional guarantee. It is not mandatory to have a payroll, but a source of income to return the money.

Advantages of CreditoZen mini-loans

This company arrives at the market of fast loans with some advantages over its competitors, its main difference is that the interest rate applied to its credits is much lower than that of the competition, specifically the cost is around 35% lower than the rest, therefore it is the cheapest mini-credit that can be hired at the moment.

Although there are other companies that grant loans with ASNEF, CreditoZen is the one with the highest probability of obtaining financing, since the maximum limit that they admit of debts in ASNEF is 1,500 euros, above their competitors.


What data appear on a bank card?

Bank cards, whether credit or debit, are very useful in day-to-day operations, but have you ever wondered what all the data on a card means ?

Since 1989 the numbering of the cards corresponds to the ISO / IEC 7812 standard. This is made up of a series of guidelines that determine the positions and meanings of all the numbers that appear on a bank card.

Data that appears on the front of a bank card

Data that appears on the front of a bank card

The front or the face of the bank card contains different data that gives it exclusivity. Although the most important, because of its information load, is the number or PAN of the card, there are other very relevant data. These are:

  • The name of the entity that issued the card.
  • The chip on the card . This increases security and speed in purchases. The chip is in the left area.
  • The personal account number (PAN) or card number . It is in the central part and has 16 digits.
  • The expiration date of the card. This date consists of month and year and it is customary to ask for it when making purchases over the Internet. It is located below the card number.
  • Name of the cardholder. Being personal and non-transferable elements must include the name of the owner.
  • International brand The most common are VISA and MASTERCARD. It usually appears in the lower right corner.

The Despues card is the BBVA credit card: postpone your purchases and access 6,000 ATMs: more information

Data that appear on the back

The back of the cards contains several important data that must be used on more than one occasion:

  • The magnetic strip occupies the entire width of the card, although currently its use has been replaced by the chip.
  • The signature panel is below the magnetic stripe. It’s where the owner signs.
  • CCV number, CVV or security number . There are three figures that are to the right of the signature panel and that are usually requested from the owner in online purchases.

What does each of the numbers on the card number mean?

What does each of the numbers on the card number mean?


The number of the card or PAN is divided into three distinct sections, each consisting of figures that contain certain information.

The first number on the card represents the type of card according to its issuer. According to ISO / IEC 7812, if the first number is a 1 or a 2 it would be a card issued by an airline. If a 7 appears in its place it means that its issuer is an oil company. To be bank cards, whether debit or credit, the first digit of the account number must be a 4, a 5 or a 6.

For its part, the digits between positions 1 to 7 identify the country and the issuer of the card. Although the entire range of countries is private for security reasons, some figures of this range are known. For example, cards issued by Visa Electron have, among others, the ranges 4026, 4508 or 4913. The Mastercard cards are assigned the ranges between 51 and 55 and, finally, the Maestro 5020, 5038, 66761, among others.

Finally, the rest of the numbers of the card until reaching a figure between 13 and 18 digits make reference to the internal code of the financial institution to associate the card with the client. For these numbers there are no general rules, but they respond to bank criteria. Within the freedom that each entity has, it is usual that the digit that is in position 16 corresponds to the control digit of each card.