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What are Mini-Credits?

Something similar has happened to all of us. A loved one falls ill in the middle of the morning, and it is necessary to take him quickly to the doctor. Your electrical installation is damaged, a water pipe suffers a sudden failure or any other failure occurs that must be addressed as soon as possible. The car does not start and, since it is the one you use to work, traveling by another means of transport is not a viable option. An item you have wanted to buy for a long time is on sale, and the promotion is about to end.

What do these diverse scenarios have in common? That all involve an unforeseen expense. The problem with this kind of disbursement is that we do not always have enough resources to cover them. In this case, we have no choice but to apply for a loan. But we are talking about an emergency. How are we going to get just what we need immediately? You'll be happy to know that there is a solution, literally one click away. We refer to the mini online credits.

What is a mini credit?

As the name implies, they are loans of relatively modest sums of money that a user can request through the internet. Compared to banks, the process of approval and release of the required amount is much simpler and faster.

If you are reading this, it is most likely that this is the first time that you are going to process a mini-loan. Keep reading to solve all the doubts you may have about this financial product.

How to request and pay a mini-loan with Tavvuk

The mini credits that we grant are managed exclusively through our website. Discover the steps to carry out this procedure.

If you are a new client, you can request a mini-credit of an amount from € 50 to 400 dollars, new mini-credits can be had without interest up to a maximum of € 300 to be returned in 30 days.
If you are a regular customer of our online mini-credits, you can request a mini - credit of up to 1,200 dollars.

Specify the conditions of your Mini credit

Just enter the tavvuk.com site, you will find a box at the top and two direct questions: "How much money do you need?" and "When do you prefer to return it?" You can enter the figures manually in the relevant fields or place the marker on the horizontal bars in the position that suits your needs.

You can try different values ​​until you get the terms that suit you best. Before moving on to the next step, you will have a clear idea about the amount you are going to receive, how much you will pay in total and when you have to return it. If you are satisfied, click on “ Request your mini-credit! "

Basic information to request a mini-loan:

  • DNI
  • Spanish bank account number
  • Phone number
  • Email address

Fill in the form to request your mini credit

In the corresponding fields, enter your full name and date of birth, select your gender, enter your DNI or NIE number, email, mobile phone, name of your bank and account number. You will also need to create an account on the site by entering a username and password.

The data provided will be saved in your profile. Therefore, the second time you use Tavvuk's services to request a mini-credit, you will not have to fill in the form again. You just have to log in.

Check the status of your Mini loan application

Approximately one minute after sending the duly completed form, you will receive an email and an SMS, notifying whether your mini-loan was approved or denied. Check your mobile device and open your email, including your "Spam" folder.

On rare occasions, mini-loan applications may take longer than usual to be approved because advisors take some time to reach a resolution. If this happens, they will contact you as soon as possible to explain the situation to you.

Check your bank account

Tavvuk deposits your money in your account as soon as your mini-credit is approved. From this moment on, the time it takes to receive it depends on your bank. Some process the transfer virtually instantly, while others may take two to three days. If you have more than one account, we recommend you enter the one that is distinguished by being more agile in this kind of operations.

Make the return of the mini-credit

Paying your mini-credit is as easy as requesting it. To adapt to your circumstances and personal tastes, we give you three alternatives.

Pay with a credit card from our site . You just have to log in, select the option "Pay back loan", click "Debit card", write the corresponding amount and press the "Pay" button.

Make a bank transfer . We have accounts in three banking entities: Sabadell, Bankia and La Caixa. You can check the numbers of each one in the menu on the main page, by clicking on the option "Return my loan." Make the transfer in the name of Tavvuk Finance Spain, SLU and include the code that identifies the loan and your DNI or NIE number in the concept of the operation.

Make a cash deposit . Go to a branch of Sabadell, Bankia or La Caixa if you wish to make a deposit in one of our three accounts. In order to easily identify the origin of the payment, you need to indicate your full name, DNI or NIE number and add a concept such as “Payment of the mini-credit to [mini-credit number]”.

Bank loans vs. Tavvuk Mini Loans

Still do not know if you should request financing in a banking institution or do it through the Tavvuk portal? Knowing the difference between one service and another will allow you to make an appropriate decision.

To start, you need to go in person to the branch where you want to apply for the credit. No one else can go for you. The offices, with the exception of Thursdays, open after eight in the morning and close before three in the afternoon, and none operate on weekends. Therefore, you will have to set aside part of a weekday for this purpose, perhaps stopping work for a while.

Upon arrival, you will have to wait to be attended. First of all, they will ask you do you have an account with this particular bank. If your answer is negative, you will have to take the necessary steps to join this entity, which could require a deposit of a minimum amount. The loan process will be left for another day.

But suppose you already have an account. You will need to present certain documentation, something that banks and many mini-credit providers have in common. This includes an official identification, which can be your valid DNI or NIE, and proof of income, such as a payroll, pension receipt or a quarterly statement. Depending on your employment and financial situation, and the bank's policies, they may also ask you for an income statement, an asset statement, or the signature of a guarantor.

The bank will study your case to determine how likely it is that you will repay the loan if it is granted. To do this, they will consult the CIRBE, Credit Checker or RAI database and carry out a risk analysis. The evaluation could take one or more days. In case your credit is approved, you will be notified by email or phone, and you will have it in your account one or two business days later.

On the other hand, to make your request with Tavvuk, you can complete the procedure through the internet. Do you have any doubt? You can call our advisors, send them a message via WhatsApp, write an email or fill out a contact form.

You only have to enter the tavvuk.com page, specify the characteristics of your credit, enter a few details in a simple form and wait a few minutes to receive the approval notification. Immediately after, your money will be transferred to your account.

How much money can I request with the mini credits?

All companies that offer mini-credits impose a limit on what they can loan to their newly registered users. At Tavvuk, new customers have the ability to request between $ 50 and $ 400. Not bad for the first time, don't you think? Most of the entities do not grant more than 300 dollars.

As requests are repeated, the maximum amount tends to increase. Although this varies from one company to another, almost none of them exceed the 600 dollar barrier. Does such an amount seem insufficient to you? U.S. too. We know that many of our users may need more money. Therefore, our frequent clients can obtain 1,200 dollars.

Also, there are restrictions on the time allowed to repay the credit. Usually this is 30 days. In this aspect we also distinguish ourselves from the rest. From the first loan, the term is two monthly installments (62 days in total). After several loans, it can be up to 4 months.

My mini-credit does not reach me: What should I do?

Has it been a couple of business days and you have not received the money in your account? So, contact us immediately. Customer Service staff will confirm your information and resolve the issue promptly. Generally, delays are caused by an error when entering bank details.

Advantages of Tavvuk mini online credits

At Tavvuk we want mini-credits to be available to everyone. To do this, we reduce our requirements to the minimum possible and keep only those that are essential to verify your identity unequivocally, to be able to contact you and make the loan.

This is another of the policies that differentiate us from banks, and even from other online loan companies. Let's see, then, the indispensable conditions that you have to fulfill:

  • Reside in Spanish territory, regardless of whether you are natural or foreign
  • Be over the age of eighteen, the legal age of majority in the United States
  • Be the owner of an account at any bank
  • Have a mobile phone

2. We reward your loyalty

The more you trust us, the more benefits you will get. If you use the platform frequently and pay on time, you will level up, thus increasing your credit limit, extending the term and reducing daily interest. The following are the packages you can access:

  • Home level . We lend you up to 400 dollars with a term of two monthly payments and a rate of 1.1% daily interest.
  • Takeoff level . You can request up to 500 dollars and return them 62 days later (in two monthly installments) with an interest rate per day of 1%.
  • Ascent level . Your creditworthiness increases to 700 dollars, the term stays the same and the interest rate decreases to only 0.9% each day.
  • Turbo level . In this instance, you can request a maximum of 900 dollars and pay them in three monthly installments at a rate of 0.7% daily interest.
  • Super Turbo level . It is the highest possible step so far. You get up to 1,200 dollars and cover them in 4 monthly payments with everything and 0.65% interest per day.

3. They are online mini-credits without paperwork

To apply for a loan, you do not need to go to a physical location. If we do not have personal care offices it is because we do not see it necessary. Being an online business, it doesn't matter where you are, the time, or the day of the year. All you need is a device with an internet connection.

We do not need to do a thorough verification of all your documents. This invasive practice scares off clients and wastes time for both us and you. We believe that little data, although essential, accompanied by an efficient analysis, is sufficient to decide who is eligible to receive a loan.

Our experience with thousands of users has confirmed that our way of doing things is correct. Indeed, good things happen when you decide to trust people, and this also applies to business.

4. They are mini-credits without guarantees and without payroll

Today, even close family members shy away from acting as guarantors to a lender. And is not for less. Few things cause more frustration than paying for the sins of others. For their part, a large part of the population works as self-employed or belongs to the informal trade. So payroll is a document that not everyone has.

When the verification mechanisms are adequate, the support of a third party or the proof of income generally comes out in excess.

5. You can request a mini-credit despite being on a list of defaulters

Maybe you didn't even know that you were part of a delinquent file until you tried to process a loan and your application was rejected.

There are several reasons why you could be in a database of this type. For example, it is likely that you have been the victim of an unfair charge by a company. After trying to resolve the situation, without success, you chose not to make the payment. So the business involved decided to add you to a list of defaulters.

Rather than automatically disregarding anyone found on the Credit Checker or RAI lists, we look at each case separately. You can be sure: we will assess your application and do everything possible to authorize the loan.

6. Management is fast and secure

All procedures are carried out in an agile way. We simplify our processes so much that the time from application to approval almost never exceeds ten minutes.

When it comes to the integrity of your personal and financial information, you have nothing to worry about. Your data is protected on servers that comply with all international security standards. In addition, the portal has a secure connection, which you can confirm by clicking on the green padlock on the side of the address bar.

7. There are no additional costs or fine print

In addition to helping you know your options, the personal credit simulator works like a calculator. It shows very useful data that vary according to the characteristics of your loan, such as the deadline for repayment and the total to be repaid with everything and interest. There is no hidden charge or condition, what you see is what you get.

8. You only pay interest based on the amount requested and the return time

The main criticism towards online lenders is that their interests are higher than bank ones. But this is a misleading claim. It is true that the amount of your loans does not increase visibly during the first days or months. But the total amount of a long-term loan can double or triple the original amount.

Online mini-credits increase a fixed percentage every day, but it must be remembered that it is a loan that is paid in a short period. Also, if you settle it before the agreed date, you will only have to cover the interest generated up to that moment.

Our company stands out for handling low rates in the financing of its frequent clients. They go as low as 0.65%, well below the average for online lenders, which is 1%.

More money, longer term, lower interest, minimum requirements, immediate approval… all are benefits for our clients. It is clear that, when it comes to online mini-credits, Tavvuk has the most advantageous conditions.


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