We do not plan everything. Normally we plan our payments of fines, debts, the purchase of furniture or appliances.
The problem is when things that we do not plan arise, like the breakdown of the car, an appliance, even a door forced to be a victim of a theft, or that your pet is convalescing. These types of incidents are urgent, can not be planned, or postponed, and must be addressed immediately.
Call or Request an online payday loans direct lenders
You can use online payday loans direct lenders. An online payday loan is a small, immediate credit that is paid within a short period of time.
Best of all, Moneyokie is not only an expert in microcredits but allows access to this financial product from your mobile device, no matter if you use Android or Apple devices.
This is what we will tell you today: how to request your microcredit from your Tablet or mobile phone, without the complications of the usual financial entities, and in a matter of minutes.
What is Moneyokie?
Moneyokie is a financial company specialized in short-term personal financing, with extensive experience in the field. It is part of the financial group DFC Global Corp.
DFC Global Corp is one of the largest personal finance groups in the world, with 30 years of experience, with 1,300 points of sale around the world. Has presence in:
How much money does Moneyokie lend?
Surely you want to know how much money Moneyokie lends in his personal microcredits. These are the amounts:
1. 100-300 € a payment to be returned in 14, 21, and 30 days
2. € 400 Loan of two installments to be repaid in 61 days (the first installment in 31 days and the second installment in 30 days)
3. 500 – 1000 € A Term of 3, 4, 5 and 6 months
4. € 3000 if you are a customer With terms of 3, 4, 5 and 6 months
As you can see, Moneyokie rewards the trust of its clients: if you are recurring, you can have more money, and more time to pay it.
What requirements does Moneyokie request for its loans?
Although Moneyokie does not demand the same things as a regular financial institution, it does have to comply with certain procedures, to guarantee the safety of its customers, and to guarantee the correct fulfillment of the debt. Of course, you do not have to render accounts or complicated procedures.
These are the requirements that Moneyokie demands:
1. Be between 18 and 65 years of age
2. Have a valid and updated DNI or NIE
3. Reside in Spain during the loan
4. Demonstrable minimum income of at least € 500 per month (per payroll, pension or unemployment benefit)
5. Mobile phone in your name
6. Debit card in your name
7. Bank account in your name
8. Not having another valid loan with Moneyokie
9. Not appear on lists of defaulters such as FCI, Equilox, RWS
10. Accept the terms and conditions of the Moneyokie contract
If you do not comply with any of the aforementioned requirements, call the Moneyokie phone or go to their chat so that, if possible, they reach an agreement that benefits both you and the company.
The process to request your microcredit from your mobile or tablet
Although requesting a mini-credit with your mobile device is very simple, here we explain the steps so that the procedure is carried out properly and without any inconvenience. Go for it:
Install the application
Either on your Tablet or your mobile, you can install the application. It is installed as any application and is available in the App Store and Google Play.
Unfortunately, it is not yet available in the Windows Store.
Create your account in Moneyokie
To create your account, you must go to the website Moneyokie.es
To do this you must request your first loan here (for seconds and successive is not necessary), simply choose the amount and time on the home page, and click on ‘Apply for a loan’.
Simply accept the conditions and click next. On the next screen, fill in the personal information requested. Then you must validate your mobile phone.
Log in to the application
On your mobile or tablet, log in with the account you have created on your mobile.
Wait for your notification
In no more than one hour, you will have an answer to your request, if it was made from 9 am to 5 pm, Monday through Friday.
If it was done outside of that schedule, you must wait until the next business day.
It depends on your bank, it will take up to 48 hours for the money to appear in your bank account.
You can also be interested in the microcredits of Creditonuevo.es and Quebueno.es
How to pay your microcredit to Moneyokie?
When you request microcredit, Moneyokie sends an invoice to your email, where you will see the total amount to be paid (we will see the costs later), and the maximum date to settle it.
If in the previous step you have provided your debit card, the payment will be made automatically on the day of payment, but if it is not, you can do it from the application.
Simply open the application, at the bottom of the screen you must click on the “Apply” button and then on the “Return your loan” button. Simply write the requested data.
If neither of the two options suits you, you can make a bank transfer. Although you must do it two days before the due date, so that the money is reflected in the bank account on the day of payment.
The bank transfer must be made to account 0049 1834 13 2710192529 of Banco Santander.
Remember that in the transfer concept you must put: DNI / NIE + Reference number (it comes in the invoice you received by email).
If you have any questions, call Moneyokie phones, or check your doubts in the chat on the page.
What are the interests that I will pay with my mini-credit?
The Moneyokie loans have the APR. At all times you will be informed of the total cost of your loan, and what you must return, both on the main screen of the page, as in the application, and in the contract you receive in your email.
The Annual Equivalent Rate (APR) is 2333.95% per annum.
For example, if you request € 300 for 30 days, you must return € 390.
The page has a credit calculator to review the cost of your loan without having to request it.
Moneyokie grants extensions in the mini-credit payment
Circumstances change, they are not fixed, and they are unpredictable. If you have committed to the payment of the microcredit one day, you may, for whatever reason, not be able to fulfill that commitment, even if your intention is to fulfill it correctly as you have agreed.
Moneyokie grants a maximum of 30 days to the deadline already agreed for the payment of your microcredit
How to access it?
In the application, in the “Request” section, click on “Extend your loan”. Choose the term you need.
Touch only pay the costs for the time, if it is 30 extra days, and your loan is € 300, you must pay € 90. When you do, the payment date will change automatically.
Moneyokie’s term of extension is 14, 21 or 30 days.
Possible causes of rejection
Before applying for your loan, you should know that although Moneyokie approves a large percentage of mini-credits, there is a percentage of rejected requests. To give you a better idea, we give you the main reasons why your mini-credit can be rejected:
1. Incomplete or incorrect information
2. The applicant is not between 18 and 65 years old at the time of the request
3. The applicant has another valid loan with Moneyokie
4. Appear in a list of defaulters as FCI or Equilox
5. The data is not confirmed by any institution
6. The bank account, email or mobile phone are not under the ownership of the applicant
7. Not enough income is checked, in this case, minimum € 500 per month
8. The mobile phone is not confirmed
9. The documentation is not current or is not complete
So be careful with all these aspects, because it can result in a rejection of your microcredit or in the best case, a delay in the authorization of your loan. Make sure you meet all the requirements.