A fast microloan financial company where you can get small loans to cover punctual and urgent Pip.
Why choose loan?
In Wandoo you can request microloans up to € 850, with a maturity period of up to 30 days and in just 15 minutes.
If you need money fast Wandoo is a good option.
- Micro loans up to € 850
- First free loan (without charges or hidden fees)
- Possibility of extending the maturity of the loan for 7, 14 and 30 days
- First mini loan only up to € 300
- Loans WITHOUT ASNEF
- Having to pay additional fees for the extension of the loans
What services does it offer?
In Wandoo you will have the possibility of requesting mini loans in a very comfortable way and especially quickly. In 15 minutes you can be enjoying the money you need.
- Loans are offered ranging from a minimum of € 50 to a maximum of € 850
- With deadlines to return it ranging from 1 day to 30 days
If this is your first request for a micro loan with Wandoo , as a new client you will only be able to request a maximum amount of € 300, although once the term has expired and if you need to request another loan again, the amount available to request will be greater.
Also, being your first loan you will enjoy this service without additional charges. This means that if for example you request the maximum, which in this case would be € 300, by meeting the deadline set to repay the loan you will have to return the same amount and you will not have to worry about any additional charges or hidden fees.
How does it work?
To apply for a quick loan in Wandoo you will simply have to use the calculator to choose amount and term and fill out the registration form to complete the application process.
In Wandoo they work with a 100% secure provider, ‘ Kontomatik ‘, so you can identify yourself through your online banking and they will notify you at once if they grant you, or not, the loan.
Once granted, a transfer will be made to your bank account in less than 15 minutes, although the receipt of the money will depend on the bank you use.
Depending on your bank you can receive the money from the micro loan in a matter of hours, or it could also take you between 24 and 48 working hours. In any case, the money will reach you very quickly.
What requirements are needed?
To apply for a loan in Wandoo you will have to register on your page and provide all the necessary information. In order to request the micro loans you will have to comply with some requirements and conditions, which we will see below.
- The applicant must be of legal age (+18)
- You must be a resident in Spain and have a Spanish bank account
- You will not have to have any outstanding debt
- You can apply for the loan if you have regular and fixed income
Calculate your loan online!
In Wandoo you can request from € 50 to € 850, although if it is your first micro loan the maximum will be limited to € 300. If it is the first time you request it, as we indicated, you can enjoy it for free, so you will not have to pay interest.
Select the amount you need, between € 50 and € 850, and choose the term you think you’ll need to return it. This step is very important because you must choose a suitable term and that suits your Pip. The minimum term is 7 days while the maximum is 30.
In the Wandoo micro loan calculator you will have all the information you need, including interest, if any. Remember, if it’s the first application you will not have to pay anything, it’s free!
With all the information in view of the amount of the loan, the due date and the interest, you can now decide if you want to continue with your application. For this you only have to click on ‘ Apply for a loan ‘ to confirm that you are interested in carrying out the application.
How to return a loan?
When the term established in the contract expires, you can return the loan. You must pay it in full when it expires.
For this you have two possible options, make a bank transfer directly from your account to Wandoo Finance SLU or make a cash deposit in any of the banking entities with which the loan company works.
You can return your loans by making an income in any of these banks: Santander, ING Direct, Popular, Bankinter and La Caixa. In the concept you must indicate your ID or customer number, along with the loan number.
Also, keep in mind that the reception of the transfer is not immediate, which means that the payment for the return of your loan may not be confirmed until 24 or 48 hours later, depending on the bank. When this is complete you will be notified by mail and SMS.
What are the consequences of delays or non-payment?
To finish, let’s see what you can do if, when the time comes, you can not return the loan.
Well, first of all, if you think that you will not be able to return it, do not ask for it, because this way you will avoid going through the whole process of payment delays or, in the worst case, suffering the consequences of a default.
In any case, if this happens in Wandoo you can request an extension of the loan’s maturity, which will allow you to add more days to the term for your return. Depending on your Pip you can postpone the loan due for 7, 14 and up to 30 days.
For this you only have to access your user area to request it and you will have to pay an additional commission. For example, if you applied for € 100 and you want to extend the expiration for 7 days, it will be for € 13, the extension of 14 days for € 19 and the extension of 30 days for € 29.
To know how much you will have to pay to extend the expiration of your loan you will simply have to use the loan calculator of your web to know how much you will have to enter, and once you make the payment your extension will be confirmed.