{"id":2960,"date":"2020-03-31T13:25:06","date_gmt":"2020-03-31T13:25:06","guid":{"rendered":"https:\/\/www.top5credits.com\/es\/?p=2960"},"modified":"2024-04-02T11:06:01","modified_gmt":"2024-04-02T11:06:01","slug":"creditomas","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/es\/opiniones\/creditomas\/","title":{"rendered":"Creditomas"},"content":{"rendered":"<p><!--StartFragment--><\/p>\n\n\n<p><strong>\u00bfCreditomas sigue operativa?<\/strong> La financiera encargada de conceder <a href=\"https:\/\/www.top5credits.com\/es\/microcreditos\/\">microcr\u00e9ditos<\/a> de <strong>hasta 900 \u20ac<\/strong> parece que ya <strong>no sigue realizando operaciones crediticias<\/strong> en nuestro pa\u00eds. <\/p>\n\n\n\n<div class=\"wp-block-group dm-highlightbox\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Creditomas no est\u00e1 operativa<\/h2>\n\n\n\n<p>A d\u00eda de hoy, la entidad Creditomas no est\u00e1 operativa. Sin embargo, podemos ofrecerte opciones de cr\u00e9dito similares a trav\u00e9s de nuestros colaboradores de <a href=\"https:\/\/www.top5credits.com\/es\/opiniones\/financiar24\/\">Financiar24<\/a> o consultando nuestro comparador de pr\u00e9stamos.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.top5credits.com\/es\/prestamos-online\/\">Comparar otros pr\u00e9stamos<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<p>Se conoci\u00f3 por tener un sistema tecnol\u00f3gico que permit\u00eda determinar en cuesti\u00f3n de segundos si el<strong> perfil crediticio del usuario era compatible<\/strong> con su solicitud. Adem\u00e1s, ofrec\u00eda otras ventajas como la <strong>cancelaci\u00f3n anticipada<\/strong> o la posibilidad de <strong>extender el plazo de vencimiento.<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n<div id=\"opinion\" class=\"wp-block-group arvostelu\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group dm-highlightbox\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Creditomas no est\u00e1 operativa<\/h2>\n\n\n\n<p>A d\u00eda de hoy, la entidad Creditomas no est\u00e1 operativa. Sin embargo, podemos ofrecerte opciones de cr\u00e9dito similares a trav\u00e9s de nuestros colaboradores de <a href=\"https:\/\/www.top5credits.com\/es\/opiniones\/financiar24\/\">Financiar24<\/a> o consultando nuestro comparador de pr\u00e9stamos.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.top5credits.com\/es\/prestamos-online\/\">Comparar otros pr\u00e9stamos<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Opini\u00f3n Cr\u00e9ditom\u00e1s 03\/2020<\/h2>\n\n\n\n<p>Nada m\u00e1s entrar en la p\u00e1gina web, nos encontramos ante un producto atractivo y sencillo. En su p\u00e1gina web nos da la sensaci\u00f3n de tener toda la <strong>informaci\u00f3n <\/strong>que necesitamos, tanto para nuevos clientes como para clientes habituales. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"630\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditomas-devolver-pr\u00e9stamo-1024x630.jpg?cdn=1.1.1\" alt=\"Devolver o prorrogar pr\u00e9stamo en Cr\u00e9ditom\u00e1s - opiniones\" class=\"wp-image-2969\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditomas-devolver-pr\u00e9stamo-1024x630.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditomas-devolver-pr\u00e9stamo-300x185.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditomas-devolver-pr\u00e9stamo-768x472.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditomas-devolver-pr\u00e9stamo.jpg?cdn=1.1.1 1120w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Cr\u00e9ditom\u00e1s nos permite prorrogar 7, 14 o hasta 30 d\u00edas el cr\u00e9dito.<\/figcaption><\/figure>\n<\/div>\n\n\n<p>Descubrimos que los puntos fuertes de <strong>Cr\u00e9ditom\u00e1s <\/strong>son tanto su oferta inicial como su flexibilidad, que nos permite, a un precio, prorrogar nuestro cr\u00e9dito hasta por 30 d\u00edas, por lo que podremos optar a un plazo de <strong>hasta 60 d\u00edas<\/strong> para devolver nuestro cr\u00e9dito, de <strong>hasta 900\u20ac<\/strong> a partir del segundo pr\u00e9stamo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Informaci\u00f3n disponible de Creditom\u00e1s<\/h3>\n\n\n\n<p>La p\u00e1gina web tiene un apartado de<strong> Preguntas y Respuestas <\/strong>bastante completo, en el cual podremos pr\u00e1cticamente solventar cualquier duda que tengamos. <\/p>\n\n\n\n<p>Podemos comprobar, como decimos, tanto los plazos de pr\u00f3rroga como importes a solicitar. Tambi\u00e9n descubrimos que, por desgracia, <strong>s\u00f3lo podemos devolver el cr\u00e9dito a trav\u00e9s de <a href=\"https:\/\/www.top5credits.com\/es\/articulos\/cuanto-tarda-una-transferencia-internacional\/\">transferencia bancaria<\/a>.<\/strong><\/p>\n\n\n\n<p>En todo momento podremos consultar las <strong>Condiciones Generales<\/strong> del pr\u00e9stamo que estemos simulando, con todos los datos (TAE, datos fiscales, etc.) que necesitemos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Requisitos de Cr\u00e9ditom\u00e1s <\/h3>\n\n\n\n<p>Para pedir un pr\u00e9stamo en Cr\u00e9ditom\u00e1s, necesitamos cumplir los siguientes requisitos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Residir en <strong>Espa\u00f1a<\/strong>,<\/li>\n\n\n\n<li>Tener entre <strong>21 y 75 a\u00f1os<\/strong>,<\/li>\n\n\n\n<li>Poseer un <strong>tel\u00e9fono m\u00f3vil,<\/strong><\/li>\n\n\n\n<li>Ser titular de una cuenta bancaria <a href=\"https:\/\/www.top5credits.com\/es\/articulos\/que-es-el-iban\/\"><strong>IBAN<\/strong><\/a><\/li>\n\n\n\n<li>No pertenecer a ning\u00fan registro de morosos o deudores, como ASNEF<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Documentaci\u00f3n Requerida de Creditom\u00e1s<\/h3>\n\n\n\n<p>Seg\u00fan Cr\u00e9ditom\u00e1s, al conectarnos a trav\u00e9s de <a href=\"https:\/\/www.top5credits.com\/es\/articulos\/que-es-instantor-como-funciona-es-seguro\/\"><strong>Instantor<\/strong><\/a> no necesitaremos env\u00edar ninguna documentaci\u00f3n adicional.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"716\" height=\"534\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditomas-instantor.jpg?cdn=1.1.1\" alt=\"Instantor en Creditom\u00e1s\" class=\"wp-image-2974\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditomas-instantor.jpg?cdn=1.1.1 716w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditomas-instantor-300x224.jpg?cdn=1.1.1 300w\" sizes=\"auto, (max-width: 716px) 100vw, 716px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">\u00bfCu\u00e1nto dinero puedo pedir a Cr\u00e9ditom\u00e1s?<\/h3>\n\n\n\n<p>Cr\u00e9ditom\u00e1s concede pr\u00e9stamos <strong>de 50 a 900 euros<\/strong>. No obstante, los <strong>nuevos clientes <\/strong>s\u00f3lo podr\u00e1n solicitar <strong>hasta 300\u20ac<\/strong>; eso s\u00ed, al<strong> 0% TAE.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Plazos de devoluci\u00f3n de Cr\u00e9ditom\u00e1s <\/h3>\n\n\n\n<p>Cr\u00e9ditom\u00e1s nos permite devolver el pr\u00e9stamo<strong> entre 7 y 30 d\u00edas<\/strong>. No obstante, podremos <strong>prorrogarlo<\/strong>, asumiendo costes extra, unos<strong> 30 d\u00edas m\u00e1s<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfCu\u00e1nto tarda el dinero con Cr\u00e9ditom\u00e1s?<\/h3>\n\n\n\n<p>Si nuestro banco es <strong><a href=\"https:\/\/www.top5credits.com\/es\/opiniones\/santander\/\">Santander<\/a> <\/strong>o <strong>Unicaja<\/strong>, recibiremos el dinero al instante. En caso contrario, como es habitual, puede demorarse hasta un<strong> m\u00e1ximo de 48 horas.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfC\u00f3mo devuelvo el mi pr\u00e9stamo en Cr\u00e9ditom\u00e1s?<\/h3>\n\n\n\n<p>Cr\u00e9ditom\u00e1s s\u00f3lo permite devolver el cr\u00e9dito a trav\u00e9s de <strong>Transferencia Bancaria<\/strong>, lo cual es para nosotros la peor de sus desventajas, pues resulta inc\u00f3moda y no se entiende en un producto tan r\u00e1pido.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Simulaci\u00f3n de Creditom\u00e1s<\/h2>\n\n\n\n<p>Decidimos poner a prueba el producto solicitando su pr\u00e9stamo inicial de <strong>300\u20ac al 0% TAE, a devolver en 30 d\u00edas.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"727\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditom\u00e1s-simulador-1-1024x727.jpg?cdn=1.1.1\" alt=\"Cr\u00e9ditom\u00e1s portada\" class=\"wp-image-2980\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditom\u00e1s-simulador-1-1024x727.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditom\u00e1s-simulador-1-300x213.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditom\u00e1s-simulador-1-768x545.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/03\/creditom\u00e1s-simulador-1.jpg?cdn=1.1.1 1173w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Una vez decidamos el importe que queremos pedir, tendremos que introducir una serie de datos b\u00e1sicos para registrarnos, como nuestros datos personales, tel\u00e9fono, cuenta bancaria y tel\u00e9fono m\u00f3vil.<\/p>\n\n\n\n<p>Una vez rellenados, pasaremos a la pantalla donde tendremos que conectar nuestra cuenta online con <strong>Instantor<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-group dm-highlightbox\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Creditomas no est\u00e1 operativa<\/h2>\n\n\n\n<p>A d\u00eda de hoy, la entidad Creditomas no est\u00e1 operativa. Sin embargo, podemos ofrecerte opciones de cr\u00e9dito similares a trav\u00e9s de nuestros colaboradores de <a href=\"https:\/\/www.top5credits.com\/es\/opiniones\/financiar24\/\">Financiar24<\/a> o consultando nuestro comparador de pr\u00e9stamos.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.top5credits.com\/es\/prestamos-online\/\">Comparar otros pr\u00e9stamos<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<span id=\"oferta\" class=\"offset\"><\/span>\n\n\n\n<p class=\"paras-tarjous has-background\" style=\"background-color:#c7e7fb\"><strong>Resumen de la oferta:<\/strong><br>Importe: 1000\u20ac <br>Cuota:  1350\u20ac <br>Plazos: 35 d\u00edas<br>Intereses:  2187% TAE<br>Total:  1350\u20ac <\/p>\n\n\n\n\n\n\n<p>Una vez conectemos con la banca, recibiremos una llamada pr\u00e1cticamente a los pocos minutos. En \u00e9sta, se nos solicitar\u00e1 remitir la <strong>documentaci\u00f3n necesaria<\/strong>, siempre dependiendo del caso, pero suele limitarse al DNI para comprobar nuestra identidad.. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Servicio de Atenci\u00f3n al Cliente de Creditom\u00e1s<\/h2>\n\n\n\n<p>Durante la simulaci\u00f3n, no tuvimos la necesidad de acudir al <strong>Servicio de Atenci\u00f3n al Cliente<\/strong>. Eso s\u00ed, la llamada que recibimos fue casi inmediata. Por otro lado, aunque quisimos probar el <strong>servicio de chat<\/strong>, no estaba disponible, por lo que resta las buenas sensaciones telef\u00f3nicas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusiones de Creditom\u00e1s<\/h2>\n\n\n\n<p>Cr\u00e9ditom\u00e1s es uno de los productos m\u00e1s r\u00e1pidos y sencillos que hemos visto. Si somos clientes de sus mismas entidades bancarias (Unicaja y Santander), gracias a Instantor podremos tener el pr\u00e9stamo en menos de 15 minutos tal y como anuncia la promoci\u00f3n. Adem\u00e1s es un producto muy flexible, permiti\u00e9ndonos prorrogar nuestro pago, y con toda la informaci\u00f3n bien clara.<\/p>\n\n\n\n<p>No obstante, sus intereses son algo elevcados en un mercado con intereses ya altos de por s\u00ed. Adem\u00e1s, poder devolver el pr\u00e9stamo s\u00f3lo por transferencia bancaria y no por pago con tarjeta o cargo directo en la cuenta nos parece totalmente innecesario.<\/p>\n\n\n\n<div class=\"wp-block-columns has-2-columns yhteysaspa is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Tel\u00e9fono:<\/h3>\n\n\n\n<p>910470047 De Lunes a Viernes de 9 a 17 horas<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Chat<\/h3>\n\n\n\n<p>Disponible en su p\u00e1gina web<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Direcci\u00f3n<\/h3>\n\n\n\n<p>Direcci\u00f3n: Bulevar Pr\u00edncipe Alfonso de Hohenlohe s\/n,<br>Ed. Milla de Oro, Oficina 9, 29602, Marbella<br><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Email:<\/h3>\n\n\n\n<p>info@creditomas.es<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Identificaci\u00f3n Fiscal<\/h3>\n\n\n\n<p>Sistemas Financieros M\u00f3viles Sociedad Limitada <\/p>\n\n\n\n<p> CIF:  B11892668 <\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Preguntas frecuentes<\/h3>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1576829405679\"><strong class=\"schema-faq-question\">\u00bfCu\u00e1l es el inter\u00e9s\/TAE de un pr\u00e9stamo de Cr\u00e9ditom\u00e1s?<\/strong> <p class=\"schema-faq-answer\">EL TAE para el primer cr\u00e9dito <strong>hasta 300\u20ac es del 0%<\/strong>. Los posteriores tendr\u00e1n una TAE entre el<strong> 3791.1 % y el  94373.67 % <\/strong><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1576829406604\"><strong class=\"schema-faq-question\">\u00bfTiene Creditom\u00e1s alg\u00fan otro inter\u00e9s oculto?<\/strong> <p class=\"schema-faq-answer\">No,<strong> <\/strong>indica siempre sus comisiones de manera clara.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1576829428004\"><strong class=\"schema-faq-question\">\u00bfQui\u00e9n puede pedir un pr\u00e9stamo a  Cr\u00e9ditom\u00e1s?<\/strong> <p class=\"schema-faq-answer\">Cualquier residente en Espa\u00f1a de 21 a 70 a\u00f1os que no est\u00e9 en listas como <a href=\"https:\/\/www.top5credits.com\/es\/articulos\/como-salir-de-asnef\/\">ASNEF<\/a>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1576829490092\"><strong class=\"schema-faq-question\">\u00bfEs Cr\u00e9ditom\u00e1s un banco espa\u00f1ol?<\/strong> <p class=\"schema-faq-answer\">S\u00ed, pertenece a la espa\u00f1ola <strong>Sistemas Financieros M\u00f3viles Sociedad Limitada  <\/strong><\/p> <\/div> <\/div>\n\n\n\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfCreditomas sigue operativa? La financiera encargada de conceder microcr\u00e9ditos de hasta 900 \u20ac parece que ya no sigue realizando operaciones crediticias en nuestro pa\u00eds. Creditomas<\/p>\n<p class=\"more-link\">Seguir leyendo <span class=\"screen-reader-text\">Creditomas<\/span><\/p>\n","protected":false},"author":13,"featured_media":13344,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-arvostelu.php","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-2960","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-opiniones","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Creditomas - Opiniones y Alternativas a Creditom\u00e1s - Top5Credits<\/title>\n<meta name=\"description\" content=\"Hemos analizado los pros y contras de Creditom\u00e1s. 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