Many freelancers and individuals often have to resort to mini-credits or microcredits to pay a bill, pay taxes or simply make a small investment in equipment to carry out new jobs and projects.

To facilitate the work, in this article we have gathered a total of seven companies that offer fast loans online through the Internet, in many cases with credit institutions. All these loans without paperwork instantly guarantee a quick response and a simple and paperless processing. In addition, they operate without endorsements or payrolls and allow you to get fast money online without changing banks.

With these companies you can request new online mini-credits that allow you to gain liquidity in the short term. We also recommend you to read our article on ‘Loans and credits with credit institutions’, where we explain where you can get money even if you are in a delinquent file.

Advantages of requesting a mini-credit or a microcredit

Advantages of requesting a mini-credit or a microcredit

These types of services allow the applicant to obtain liquidity quickly and easily. These are some of the advantages offered by these companies:

  • Online procedures, with few paperwork and no need to go to any bank.
  • The answer is almost immediate.
  • Once the application is approved, the money is credited to the account in just 15 minutes.
  • They usually don’t ask for endorsements or payroll.
  • In many cases the operations can be done even with credit institutions.
  • The customer can choose the quantities and the return terms with a simple click.
  • They provide liquidity on the same day, without long study processes.

Fast online loan companies

Fast online loan companies

Below you will find a selection of seven mini-credit companies that meet all the requirements outlined in the previous points. As we have said, some of them offer urgent mini credits online with credit institutions.


Creditic makes available to its clients loans without guarantees of up to 3,000 USD to be repaid within a period of between 61 days and 36 months. The procedure is 100% online, in a few steps and with a quick response. The money is entered 15 minutes after the approval of the application.

One of the strengths of Creditic is that it has no early cancellation fees, management fees or opening fees. In addition, users can access all their services 24 hours a day, seven days a week.


Mini credits of up to 300 USD with a repayment term of up to 30 days is what Credither proposes for its customers. To apply for the loan you just have to enter the entity’s website, choose the amount and the repayment term and fill in the data to make the request. The company guarantees payment 15 minutes after approval.

According to the company, nine out of ten applications are approved because it works with a large number of loan companies, all of them with experience in the market and with a high degree of reliability. The procedures are simple and can be done in just a few minutes without endorsements or paperwork.


Stedy is defined as an innovative financial portal in the fast loan market, since it uses its own algorithms that offer its clients the loans that best suit their needs and expectations. That is why its acceptance ratio exceeds 95%. And all this with a maximum payment period of 15 minutes.

Through its website, users can request a quick loan of up to 750 USD with a repayment term of up to 30 days. In addition, it has a loyalty program with better conditions for its most loyal customers. It also has additional services such as loans without payroll, with credit institutions or car pawn.


On the Eicredit website, users can request a mini-credit of between 75 and 750 USD, with a return period ranging from seven to 30 days. After filling in the information for the application, the company’s advisors will contact the client to confirm the account number and make the deposit in a term never exceeding 15 minutes.

In addition, the company offers flexibility in the event that the client needs to extend the loan quickly or wants to make an early repayment. In the latter case there is no additional cost, offering the possibility of canceling the debt in advance to avoid interest payments.


CashMan is a financial services portal that markets mini-credits of up to 300 USD for new customers with a return period of up to 30 days. Older customers, however, can request amounts of up to 1,200 USD and extend the return period to four months.

Everything is done 100% online on the company’s own website and without the need for paperwork. The request does not take more than 10 minutes and the company agrees to give an answer in a minute. If the application is approved the entry is made within a period of just 15 minutes.


Users who need short-term liquidity can obtain a mini-credit of between 300 and 600 USD on the MetLoan website with a maximum return period of 30 days. In addition, new clients may receive the first interest-free loan to check the quality of the service and familiarize themselves with the company’s financial services.

To apply, you must be a Spanish citizen, be between 21 and 65 years old, have a bank account, have regular monthly income, an electric mail account, a telephone number as well as a positive credit history.


Founded in May 2011, Creditent is one of the best known specialized companies in the market. It offers loans of between 50 and 800 USD, with a repayment term of between five and 30 days and an acceptance ratio of over 95%. The process is 100% online, without endorsements, without payroll and without paperwork. The first loan is interest free for new clients.

This service is available to anyone residing in Spain and between 18 and 80 years old. The customer must have a bank account in a national bank, a mobile phone number and an email address. Payment is made 15 minutes after the approval of the request.