Credit: Long-term loans of up to € 40,000!

Do you have to face an unexpected payment and do not know where to get the capital? Do you have a business in mind to make the investment of your life, but need extra money to start? Or do you want to schedule what is considered the vacation of your life?

There are many situations in which we may need some more money than our salary provides us and, although our first option is to go to the bank, we will soon discover all the pitfalls that we will be able to grant ourselves the credit.

Creditstair Credit specializes in fast loans and credits, with quite interesting conditions in a more than competitive market.

What is Creditstair Credit?

What is Creditstair Credit?

Creditstair Credit is a platform that operates at European level, with a credit institution license that has already granted some 20 million euros to its clients in its first year of activity. It comes directly from France, having made an investment of approximately one million euros to settle in Spain (specifically in Barcelona).

It specializes in the granting of fast credits for an amount between € 10,000 and € 40,000, in addition to having an associated repayment period of between 24 and 72 months.

Loans that we will find in Creditstair Credit

Loans that we will find in Creditstair Credit

Creditstair Credit is characterized by working with maximum transparency in the face of the conditions offered by its competitors. One of its maxims is to simplify the fast loan application process, so that anyone can apply for it.

The personal fees that the user must assume will be paid directly to investors, creating a transparent business model, with clear things.

Reasons to apply for a loan in Creditstair Credit

Unlike other companies specializing in fast personal loans, with Creditstair Credit we will have to specify the reason for granting them, being able to select between: reforms, to buy a new car or a second-hand car, to invest in furniture and/or appliances, for articles related to the world of computing, for medical expenses, to make an investment in an existing company, to make a trip, for a wedding or various celebrations, removals, or to unify all credits.

Creditstair Credit offers us loans worth € 1000 to cover € 40,000; With 5 return terms available: 24 months, 36 months, 48 ​​months, 60 months or 72 months.

If you want to know what type of loan is the one that suits your needs, all you have to do is access the company’s home and use its online fast credit simulator. For example, we can select that we want to buy a second-hand car, with an amount of € 7,000 and a return period of 24 months.

Once we have everything clear, we simply click on the “continue” option and the system will automatically calculate the monthly fee that must be paid, as well as the percentage of commissions (APR).

The procedure for requesting a loan in Creditstair Credit will be studied in more detail in the following points.

What do I need to apply for a credit online with Creditstair Credit?

The requirements proposed by the entity are very simple to meet, so virtually any user can access them.

  1. Age: The applicant’s age must be between 18 and 70 years.
  2. Nationality: The applicant’s nationality must be Spanish.
  3. Financial Credit Institutions ?: In this case, the fast credit company will not grant you the credit if you are in a register of delinquent Financial Credit Institutions type. If this is your case, you should look for another entity. See Loans with Financial Credit Institutions.
  4. Proof of income: Finally, we will also need a supporting document that justifies the income we are receiving (usually a payroll, although it will also serve as a pension or benefit or unemployment benefit).
  5. Bank account: Giving our bank account number has two purposes; On the one hand, we can verify our identity (and we will have to give a bank account of which we are the owners. On the other hand it serves to expedite procedures; if they finish granting us the credit, they will already have the number to make the corresponding transfer.

In addition to the above conditions, to request one of these quick loans, it will be necessary to attach what is known as a “solvency study”, which the company will send to the different applicants to be clear about their solvency. This document will be considered key when making the decision on whether the credit is accepted, or if it is finally denied.

How to apply for a loan with Creditstair Credit? Step by Step

The process to apply for the quick loan is very simple, being able to complete it in a few simple steps.

  • The first thing we have to do is access the Creditstair Credit website, where we will find the corresponding simulator that will help us start our application.
  • We fill in the information about the credit that we are going to request: that is, the “Destination Project” (reason why we are requesting it), “desired amount” (the amount that you want to request ”, and the“ return period ” (the time interval in which we want to return it).
  • We will wait a while until the company evaluates our request, having to attach all the required documents.
  • If all goes well, the fast credit company will send the contract to our e-mail, which we will have to print, review, sign and send by postal mail (or by courier).
  • Calculate that in approximately 48 hours after sending the contract you can have the money in the account you have indicated.

Fees and fees at Creditstair Credit

The interest rates that we are going to find in Creditstair Credit are considered lower compared to other fast credit companies. The reason for this is that after the entity’s team we can find a large group of investors who have established a solid strategy to attract as many users as possible, and the truth is that it has worked very well.

For example, in the event that the company offers us a quick loan with an interest rate of 6% APR, this is indicating that investors will receive a benefit of 4.5%; If you have already researched different fast lending entities, you will know that this deal offers less profitability than most operations.

We must also consider that we are talking about a young and innovative company that allows the user to carry out all the procedures through the Internet, which will save time when carrying out the processes, as well as how much money does not require as many employees as the companies that operate on a physical level.

This does not mean that your commissions should interest all users; It will be of vital importance to analyze the fees at the time of filling out the corresponding form, unless we want to take an unpleasant surprise at the moment in which we have to proceed with the relevant refund.

Customer service at Creditstair Credit

A key criterion that must be analyzed whenever we want to ask for a loan in a company specialized in mini-loans instantly is its customer service; The idea is that the team that is on the other side is able to offer us a certain quality and confidence, in order to get in touch with them if any type of anomaly occurs.

In order to get in touch with those responsible for Creditstair Credit, all we will have to do is use the online form that we will find on the website (we will have to fill in our personal data, as well as contact details); They promise to call us as soon as possible.

They also have a Frequently Asked Questions ( FAQ ) section, where we may find the answers we are looking for without having to talk to any agent. 

Advantages and disadvantages of asking for a quick loan in Creditstair Credit

Advantages and disadvantages of asking for a quick loan in Creditstair Credit


  • Speed: They allow us to have the money in a short time, without having to present as many papers as in other places.
  • Low commissions: The associated commissions are low, or at least smaller than in other entities.
  • Good customer service: Among Creditstair Credit’s opinions, we discover that the vast majority of users ensure that customer service is good.

Conclusion: Is it worth asking for a loan in Creditstair Credit?

It is worth it, but it is important to analyze in detail its conditions to see if it is what we are looking for. Above all, make sure that you will be able to return it in the established time, or you will face very high commissions.

Creditstair Credit Summary

Summary: Thanks to Creditstair Credit you can have long-term loans and higher amounts at a competitive interest rate. Creditstair credit works through P2P loans, that is, they are loans between individuals.


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