Quick Loans: 1st loan at 0% - CREZU

Get fast loans at 0% interest

Choose the best deals from hundreds of lenders in just 4 minutes

  • Loans from € 100 to € 1500 euros
  • With any type of credit history
  • No commission for the service

How much do you need?


€ 100

€ 1,500

The percentage and amount of the overpayment may change after completing the questionnaire. The service does not charge a fee for the loan selection. Crezu offers flexible credits to return between 61 and 90 days with a minimum APR of 0% and a maximum of 1,009.48%. For example, for a loan of € 300 for repayment in 67 days, the costs will be € 0, the total amount to be returned will be € 300 with an APR of 0%.

You are 3 steps away from loan approval

Receiving a loan of up to € 1000 is as easy as counting to 3:


Complete the online application

For the application, it is enough to have an identity document and a valid bank card


Receive the best offers on the market

Our service compares hundreds of lenders and chooses the ones that offer you the most favorable conditions and are willing to approve your request.


Receive your money

Receive the loan on the card, bank account or in cash only in a matter of minutes

You no longer have to fill out forms on endless web pages. With our service you will find in a few minutes dozens of lenders who will grant you the loan with any credit history.

Receive the money

5 reasons why they choose us

The Crezu service studies offers only from among financial institutions that meet our four criteria: absence of hidden payments, proven reputation, granting of online credits and protection of personal data . And about the result of our criteria, numbers speak better than words:

823 838

loans granted


applications approved

14 minutes

the average loan approval time


of our clients choose us again


of requests are approved

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6 benefits you will receive

The service works 24 hours

We are aware of how much money is needed "at the moment" so we work without pauses or breaks and even on holidays

Custom selection

After completing the application, our service will make an express assessment with information from open sources, and will give a previous evaluation of your creditworthiness. This is how you will choose the financial entities that are potentially willing to grant you a loan

Application processing almost immediately

First of all, the service chooses the entities that match your request and can give you the go-ahead in the shortest possible time.

No extra documents

We do not need an income certificate, nor do we care about your credit history

Minimum requirements

To receive the loan you only need internet, the valid identity document and a bank account

We work throughout Spain

To receive the money you do not have to go to any office. The loan amount can be transferred remotely

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Frequent questions

We have compiled the most popular questions and prepared short answers to them to save you time.

How much money can I get?

In general, when you apply for quick loans for the first time, the loan amount ranges between 50 and 300 euros. However, you may be able to request more next time.

How long does it take to get quick loans?

With the help of Crezu to get fast loans, it takes only 5-10 minutes. All you need to do is provide basic information about yourself and wait for a response.

What documents do I need?

1. Copy of DNI, passport or NIE. 2. Bank statement with monthly income and expenses.

If my credit history is not perfect, will they give me a loan?

There is a good chance that you will still get a loan. Therefore, we highly recommend completing the request form, providing basic information, and waiting 5-10 minutes for a response.

Can I get money on the card?

Absolutely! The process is very easy and simple after filling out your application, you will get the money on your card very quickly.

Can I pay the loan earlier?

Yes, it is entirely possible to pay off a loan earlier.

What else can you do for me?

Crezu saves your time and offers you the best possible offers that adapt to your needs. We work only with trusted companies and you don't have to worry about hidden fees or additional charges.

Are you willing to find the best loan right now?

Complete the online application and receive the money in 4 minutes.

Receive the money

Immediate Loans

Currently, a large number of financial companies have considered a sustainable initiative: provide fast online loans to any client who needs to solve a problem. In this way, as the years go by, new private equity entities emerge whose primary task is based on granting loans.

Normally, all the immediate loans that are processed in the company are presented via the web. All this is due to the fact that the online financing process is easier and more comfortable than the traditional one. On the other hand, among the aspects that have attracted the most attention are its processing processes that obviate all kinds of paperwork or guarantees.

What are the requirements to opt for a quick loan?

As fast online personal loans turn out to be a very sustainable financial alternative, the popularity of this product has attracted the masses, which is why entities have demanded certain requirements when applying for them. Among the measures required by credit companies, we have the following:

  • In the first instance, the person or applicant must have Spanish nationality and be of legal age. Normally, the age range to be able to opt for an online loan ranges between 21 and 72 years.
  • On the other hand, it is extremely important to present proof of periodic income, showing the company that it has a livelihood to respond to.
  • The client must be the owner of a bank account, as this will be the destination for the transfer of funds.
  • Likewise, it is imperative that it does not appear on any delinquency list, since if so, the entity will realize that it has an unfavorable credit history. In the same way, it is important to mention that if the person appears attached to the Wttm Lenders, they can still opt for a quick loan, but the process will be a bit complicated.

Before proceeding to request a quick loan, first of all, try to have carefully evaluated your financial status, making sure you have what is necessary to be able to meet the installments. Among the factors that complement the payment are commissions, interest and additional charges. Keep in mind that if you do not comply with the refund as established, you will be registered in the delinquency files.

What should you consider?

Now, if you urgently need a quick loan, the first thing to consider is that it is the most appropriate to mitigate your emergency. Subsequently, you must opt ​​for a type of loan that adapts to the need you have, that is, choose a quick loan whose amount is the most successful to face the situation.

Initially, since your inclusion online, immediate loans have been made up of a really simple contract, where the entity and the requesting client establish a contract subject to certain conditions. In this way, the total amount of money that has been sent to you, must be reimbursed in the form of installments.

One point that you should not forget is that there will be implicit interest in each installment, this variant consists of an effect that tends to increase when the term is long or if there is a delay in payments. For this reason, the client must abide by the agreed terms and the interest rate that the company has.
What are interest-free loans?

Likewise, there is a wide range of private equity companies that grant financing through different financial products, each one directly rooted in Quick loans of large amounts. Therefore, each company has categorized its services, meeting needs in a personalized way.

However, the fact that the lending company has classified the different ways of providing its services is not detrimental to the client. Among the numerous classifications of fast online personal loans that the company may contain, are insurance loans, home loans, car loans, among others.

Obtain a loan according to our needs

The simplicity and speed that you can apply for fast personal loans is very convenient, all due to how incredibly fast the processing and approval process is. In addition, you can choose between different amounts, determining the one that best suits your situation.

Similarly, a primary difference will always prevail between fast paperless loans and those that require collateral. The financial product that requires a guarantee is always very compromising, while with fast loans you do not run the risk of property seizure.

As has been mentioned, when opting for fast loans of 2000 euros, remember that the value of the amount consists of a margin where you can choose the required amount. However, it is of the utmost importance that you keep an eye on the deadlines, paying each installment at the right time.

With the help of Crezu it is extremely feasible and easy to obtain fast personal loans. It should be noted that Crezu is able to offer you a wide variety of offers, suitable for all times. Crezu has a wide variety of advantages, among which are the following:

  • Rapid processing: The entire processing and approval process takes less than 10 minutes.
  • Convenient: It is capable of offering a wide variety of promotions in terms of quick loans.
  • Defense system: Thanks to its sophisticated system, customer data is firmly protected.
  • Adequate terms: Provides a transparent contract, free of any hidden clause that could harm the client.

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How to choose a suitable fast loan?

So that you can choose between the services provided by a lender, before going to it, you should consider the following:

Do not exceed the value you really need

During the old days, when a person was about to apply for a quick loan without payroll, the bank was able to grant him amounts that exceeded what the person had requested. Also, the person would have the opportunity to solve all kinds of mishaps and much more. But this has been upset in the last decade, since with the presence of a mild crisis that has its ups and downs, the facilities for granting money by banks have been canceled. Banking entities have restricted their collaboration with the public, establishing numerous obstacles to be able to obtain the fast micro loan.

By the time you have decided to opt for a quick mini loan, you must return the money as agreed, followed by interest and commissions that are part of the process. In this way, if you have several delays in your payments, the interests will tend to increase, projecting a very high amount compared to the initial amount. In addition, you run the risk that you will not be allowed to apply for more loans.
What are Loans without payroll?

Try to amortize earlier than established

When the circumstances arise and you need the support of a fast online loan, you should contact the credit company, in such a way that they reach an agreement of reciprocal benefit. Likewise, you must be aware of your financial status, determining your monthly income and making sure that you can comply with the agreement.

In case you have set reduced installments, find a way to pay ahead of time, since if you let the payment time of the fast loan without payroll exceed, the interests will tend to increase to a point of no return. If you have the necessary resources to be able to pay each installment in advance, you can quickly get out of the debt and insurance, the entity will grant you benefits.

Stay consistent in payments

When you have agreed to a quick loan, it is imperative that you establish the term to pay off the debt and the installments, when setting these conditions, make sure you can pay off the debt at the set time. If for any reason, the client comes to present a default of payments, the increase in interest will be abysmal. Remember that the fast online personal loan that you have requested is a serious agreement that you have contracted with the entity and if you do not abide by the provisions of the contract, you must abide by the penalties.

Failure to pay fast loans generates an increase in interest, so that, having guaranteed a guarantee to the entity, it will be fully entitled to seize your property. Therefore, before applying for a quick loan, you should keep in mind that you can face the debt.

Conceptualize the reason for the request

Usually, in all circumstances, financial institutions are responsible for demanding an explanation or reason why you request a quick loan. When you are ready to answer this question, try to be as precise as you can, as it will inspire confidence when approving the quick loan. Keep in mind that it is not the same to ask for a loan to solve an unforeseen event, than to have asked for money to satisfy a whim.

Remember, as has been highlighted previously, all financial companies classify their quick loans, depending on the emergency that the client has. Therefore, so that the entity does not hesitate to help you, present evidence that reflects the money you need, showing that you are not overreaching the amount.

Go to a trusted entity

It should be noted that requesting a quick loan is the most viable way to avoid the tedious processes of the bureau, typical of traditional banks. Compared to conventional banks, these private equity entities provide fast loans online, canceling all kinds of collateral and paperwork. In the same way, you will have the opportunity to have the money quickly, avoiding long waiting periods to get your loan.

The incredible thing about technological advances is that every aspect of society is added to it, due to this is that a large number of financial companies facilitate the process online, by providing quick loans without interest. These companies will send you a simple form, where you must enter your personal data, as well as a minimum proof of monthly income. First of all, what you have supplied is that the company will decide to help you or not.

Evaluate the APR

When trying to apply for a fast loan online, it is advisable to be aware of the interest that will be included in the installments, followed by certain aspects that may cause an unfavorable reaction to the fast loan. By opting for such financing services, unlike traditional banks, you will not have to resort to unnecessary expenses caused by additional financial products. Commissions play an important role in the repayment of quick loans, since they can increase the initial amount.

It is absolutely necessary, prior to requesting a fast long-term loan, to verify the APR, which is defined as a variant that concentrates the total value of the loan, followed by its respective commissions and interests.
What are Loans without collateral?

Establish a comparative margin regarding the personal loans available

In this situation, what is strongly recommended is to go to a lending company that contains commissions, interests and conditions that are appropriate to your financial status. Therefore, the most viable in these cases is to opt for personal loan comparators. But to be able to adjust such a comparator, you must enter predetermined data such as installments, terms and the amount of the loan.

Having considered all this, you will have the ability to choose the most suitable quick loan, avoiding incurring higher debts than had been premeditated.

Pay attention if there are extra charges

As it has been presented in all circumstances prior to granting a fast online loan without paperwork, you must be attentive to the fees that have been established, making sure that you can meet the debt you have contracted. If the pre-established term is missed, this will cause an alteration in the amount of the fees due to the increase in interest. Due to the increase in commissions and interest on the quick loan, you will owe a higher amount than the initial one. If this happens, you will quickly become part of a delinquency list, hindering future applications for quick loans.

Before requesting a quick personal loan, you must have evaluated your situation in advance, determining if you can meet the installment payments on time. By being aware of your status, you will have the certainty of being able to follow the quotas to the letter. Now, if you follow all our advice, you will have the opportunity to enjoy extra benefits, being classified as a special client, favoring your credit history.

Naturally, when requesting your fast loan without papers, you must abide by the term established in the contract. Once the money has been transferred to your bank account, time starts ticking. Also, try to make sure that the term of the quick loan you have chosen is adequate, so that you can pay off without problems. Making mention of the regular conditions that the companies have, the return time ranges between 3 and 5 years.
Currently, a wide range of credit companies that are somewhat flexible with respect to repayment, so they can grant you an extension, so that you can collect enough to pay off the debt. On the other hand, all the variants that the requested quick loan contains may increase or decrease, all this will depend on whether you meet the installments on time.

Important company overview

From the beginning, you should know that each of the fast loan provider companies that can finance it have a certain reputation and experience that will make it stand out in the market. Therefore, you must reliably corroborate that the entity may be based on several aspects. From every perspective, it is advisable to inquire about the background of the entity, its terms and conditions, among others. In this way, you can be sure that you will not be harmed by being the victim of a scam.

The instruction to apply for a quick loan is very simple, carry out a brief but precise investigation regarding the entity to which you want to go. Having done your analysis, you can have full assurance of its legitimate origin. On the other hand, you will be able to be aware of how viable and adequate your system is, being an appropriate feature to evaluate the condition of the entity. It is never too much to contact the same company or simply go to the authorities that are responsible for the matter.

What should be considered before applying for a quick loan?

  1. Assess your financial status

First, it is of the utmost importance to verify your economic status, determining if you have enough means to pay off the debt of the fast online loan. If the amount of money you need is minimal, remember that it is better to save a little than incur unnecessary debt. Constantly monitor the variations in your economic condition. Establish a monthly expense margin, which you must contrast with recurring income.

The priority in these circumstances are essential expenses, that is, important aspects such as food, water, the telephone line, among others. In the same way, you must have a kind of reserve or premeditated savings, so that instead of asking for a quick loan, you are solvent with your saved money. As the unforeseen are inevitable, try to have a reserve to be able to solve.

  1. Consider the amount to request and the term to amortize

Before requesting a quick loan, try to estimate the amount required and the payment term that suits you best. Avoid choosing a repayment period that extends longer than necessary, because the longer the repayment period, the more interest will accentuate.

Similarly, when hiring a quick loan without payroll, it is not advisable to set a very tight payment period, because due to unforeseen events, you can incur unexpected delays. It is important that you set the repayment of the loan based on the income margin you have. If you have problems paying off the debt, you must be honest and let the entity know.

If you require a moderate amount, you can opt for a quick credit instead of a fast online loan without paperwork. In addition, the lower the amount, the shorter the term to make the return. One point that you cannot ignore is that financial institutions will proceed to deny your loan quickly if you have debts that exceed the established limit.

  1. Set various comparisons

The most advisable thing in these cases is to choose a comparator, so that you can locate the credit company that best suits your financial condition. Having known this, you will have a duty to directly compare the interests and commissions of the lending companies. Try to abide by the APR.

It is important that you choose the most appropriate options. To obtain your fast online loan, you can access a traditional bank or simply choose an online entity. It goes without saying that you will have countless options in terms of a wide selection of lenders, which will provide you with various offers of quick loans.

For the most part, these lenders have gone to the tough job of providing a quick, interest-free first loan. This feature is very appropriate, since considering the conditions of the company is that you will be able to know if it favors you or not.

  1. Try to save

Avoid applying for a fast online personal loan if you are paying another, if you resort to this measure, the most likely thing is that you will be locked into a vicious cycle from which you will not be able to get out. Once the term for the repayment of the quick loan approaches, try to have enough resources to be able to comply with the established.

You should avoid requesting a quick online loan to satisfy simple whims such as luxurious nights out. It is elementary that you stick to what you can spend. Now, unnecessary expenses can cause you to contract a very high debt, finding yourself in trouble.