Thanks to the rise of private financial entities that provide their financing services through the Internet, it has been possible for many families and small entrepreneurs to access mini-credits, personal loans and urgent credits easily and safely.

And there are many problems that can arise on a day-to-day basis and that catch us by surprise, with no money in the bank's checking account to deal with them.

In these situations, having access to loans and credits instantly , which are approved immediately and which transfer the requested amount of money to our bank account in a matter of minutes has been the best solution for many.

Traditional banking has been relegated as far as financing is concerned, except in the case of mortgage loans. Now, anyone who needs to get money fast, the first thing they do is look for personal loans or fast loans online in their browser.




  • Maximum amount: 1000 $
  • Maximum Duration: 30 days
  • First Loan: $ 300
  • With Credit Checker: NO
  • Free 1st: YES



  • Maximum amount: 1000 $
  • Maximum Duration: 30 days
  • First Loan: $ 1,000
  • With Credit Checker: YES
  • Free 1st: YES



  • Maximum amount: $ 600
  • Maximum Duration: 65 days
  • First Loan: $ 300
  • With Credit Checker: NO
  • Free 1st: YES

One problem is that there are so many financial institutions that are dedicated to lending money instantly that it is often impossible to determine which is better if you do not have basic knowledge about loans, interest and other financial issues.

Therefore, from we want to help you choose the best credits and personal loans instantly .

It doesn't matter if you need 200 us dollars, 300 us dollars, 500 us dollars, 1000 us dollars or more money because on the Internet there are financing options for all tastes and needs.

Instant loans online

There are many types of personal and financial loans that, without the need to leave your home, can quickly put the money into your bank account.

In all cases, it is only necessary to fill out an online loan application through a form and, in some cases, attach some type of documentation, such as a photocopy of the ID or the ownership of the bank account.

After completing the application process, the vast majority of financial institutions process the approval of the application in just a few minutes or, at most, in the first 24 hours after you sent the form.

After approval, the transfer of the money you have requested takes place and, depending on the bank in which you have your checking account, you will receive the money in minutes, in 24 hours or in 48 hours maximum.

It couldn't be easier!

But the fact of getting urgent money through fast online loans and credits is not the only advantage. There are many more than traditional banking:

Instant loans without guarantee or endorsement

Most online financial institutions do not ask for an endorsement or guarantee when you provide a payroll or sufficient income to guarantee the return of the personal loan.

Some do, although it is not usual, so be aware of the conditions of your loan contract and, if you do not want loans with an endorsement or guarantee, choose another financial one because there are many in the market that do not require endorsement to approve their loans.

If you are interested in more information about loans without collateral, we recommend that you visit our section where we explain them in more detail.

Instant loans without paperwork

If you apply for a personal loan at any traditional bank, the first thing they will do is request a lot of documentation that takes a long time to get and they will analyze a lot of time.

That does not happen with instant online loans because they are characterized by not requiring large paperwork in order to process the loan approval in the shortest possible time.

Instant loans without payroll

It seems difficult to believe that it is possible to obtain fast money without having to provide a payroll , but the truth is that the vast majority of entities that we talk about in Top Crédito do not require a payroll as a requirement to approve one of their personal loans, credits or microcredits .

In fact, in the credits without payroll section you can see the entire list of entities where you can request money instantly without payroll and without endorsement.

Instant credits without interest

It is possible to find loans without payroll and without collateral , but it is also possible to find loans without interest instantly. In our free credits section you can find online financial institutions that offer their credits at 0% interest, that is, you can request a free loan.

These conditions usually occur for the first loan with the entity and in the following certain percentages of interest are applied.

In short, if you want to request a free online credit and you can instantly go to financial companies such as Paydaynow, Creditlite, Paydayrelay, Creditozen. Consolidationnow, Gadcapital, Onlinecredit or Paydaychampion, among others.

Where to request a personal loan instantly

Some of the entities in which you can request a loan instantly are:

Bridgepayday personal loans

Up to 40,000 us dollars , which is not little.

If you need a personal loan of between 6,000 and 40,000 us dollars to be repaid within a period of 12-60 months, then ING personal loans may interest you. You can read more about them here!


It admits loans with Credit Checker and it is possible to request up to 1000 us dollars to be repaid within 35 days. They are fast online loans of the real ones.

With the help of its simulator it is possible to know in advance how much interest you are going to pay for the amount of money you need and for the repayment period you want.

Apply for your personal loan at Freezl from here (affiliate link)

Cofidis Credit Project

From 4000 us dollars to 15,000 us dollars , the Cofidis personal loan is one of the most popular on the net. It has an opening commission of 0%, a TIN from 4.95% and an APR from 5.07%.

The repayment terms range from 12 months to 72 months, so it is a very good option if you need quick money in amounts greater than those that the famous microcredits can offer you.

Enter Cofidis now and request your personal loan instantly, but not without first reading this.

Evo Finance

Personal loans of up to 30,000 us dollars and a credit card with a credit limit of 5,000 us dollars.

This online financial company is less known, but it is owned by Evo Banco, which surely sounds like something else to you.

Don't you remember? Nothing happens, you have all the details here.


Your first interest-free loan. Up to 800 us dollars can be yours in just a few minutes:

  • Without endorsements.
  • No payroll
  • No unnecessary paperwork.

Does it convince you? Well there is more. We tell you about it here .

Instant credits without paperwork and with Credit Checker

As we have already mentioned before, requesting a credit online without paperwork is possible thanks to the fact that this type of online financial institutions do not require a large volume of documentation to guarantee the repayment of your loans and credits instantly.

Some make up for the lack of documentation requirement by requesting an endorsement or guarantee from the borrower, but they are the fewest and the normal thing is that online credits are credits without paperwork.

In addition, these entities also offer credits with Credit Checker , that is, all those people included in the Credit Checker delinquency file, who cannot apply for credits or loans in traditional banking, can now get fast money thanks to these online financial products . Of course, despite the fact that these are instant credits with Credit Checker , it should be said that if the debt for which the user entered the Credit Checker file was a financial debt for not returning a previous loan, it will be practically impossible for any financial institution grants you a loan today.

Therefore, when you read loans with Credit Checker, instantly make sure what the conditions are and if you meet them before filling out the application. We recommend these loans with Credit Checker

Mini credits instantly without documentation

It can happen that any economic unforeseen arises at any time and, no matter how small the amount of money you need, you can no longer ask your family or friends for money. You need money urgently and you can get it through microcredits or mini-credits.

These are credits of amounts that usually do not exceed 3,000 us dollars at most and that must be repaid in short periods of time, which are usually between 30 and 45 days. In addition, many of the online financial institutions that offer the possibility of requesting a mini-loan of these characteristics, do so through really small interest or even free. Yes, you read it correctly, you can request a free mini-credit thanks to the fact that many entities offer the first credit at a 0% interest rate.

Where to request mini-credits instantly

If this has convinced you of the fast mini-credits with which you can get money instantly quickly and safely then you will be interested in knowing some of the entities that we recommend to apply for a loan of these characteristics:

  • If you are registered in the Credit Checker file, you can request mini-credits with Credit Checker at Kredito 24, Credit10, Myloans, Dedebt or Paydayadvance2two.
  • If you are not registered with Credit Checker, then you can take a look at Creditlite, Contante, Debtconsolidationloans, Creditnew, Insta-loan, Paydayrelay, Need money, Purplepayday, Onlinecredit, Creditozen, Paydaylite, 1credito, Starloans, Compariloan, Loannowfiesta, Consolidation by, Disfruting Gedesco, Loanbeginner, Fastcredit, Okmoney, Gadcapital, Greendayonline, Instacredit and more.

You have all the details of each of them on this page

Now you know where to request credits and personal loans instantly with good financial conditions: without guarantees, without payroll, without interest, without paperwork and with Credit Checker. And all of them are instant quick loans !