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  • Last modified: 4th September 2017

Would you like to have an advance on your payroll without having to ask your company for it?

Contante is a company that offers you an advance on your payroll so that you can enjoy those opportunities that are presented to you and that due to lack of liquidity you let slip. How many times have you said the following? I can't, we are at the end of the month!

Contante grants you a mini online loan of up to 500 us dollars (if you are a new client you will have a limit of € 250), through a simple system through the internet. Forget paperwork, reports and meetings with banks. Best of all, it is you, and only you, who establishes the conditions of your mini-loan. In less than 24 hours, Contante ensures you have your money regardless of your bank. Thus, who does not ask for an advance on their payroll?

How do I request my mini-credit from Contante

Life goes by fast and the little moments are what remains. This is the slogan of Contante. They want to make things easy for those who want a treat at the end of the month, or simply have had a one-time cash flow problem.

Let's see how to request that online loan you need in 4 steps:

  1. You decide: According to your needs, choose the amount of money and the time in which you want to return it. Maximum 30 days.
  2. Fill in and send the "constant advance" request form .
  3. You receive an SMS with the acceptance or denial of your online loan request. Check the conditions of the contract that will come to your email. Respond to the SMS an OK to accept your loan.
  4. In 5 minutes you can enjoy your money thanks to the Hal Cash service: This system allows you to send money to a mobile phone number to be withdrawn at any ATM.

Through this cash calculator you will know at the moment the interest that you will have to pay for your mini loan.

For example, if you want a loan for € 300 to be repaid in 15 days, the total cost will be 349 us dollars. That is, the interest will be 49 us dollars. Don't worry, there are no tricks. And if you have thought that the message you have to send will come out for triple its cost, you can also rest easy in this regard. The cost of the SMS will be equal to a normal message.

When you make the request you should be aware of your email inbox, as you will receive a welcome email if your request has been made correctly.

What's this Hal Cash thing?

It is a banking service that allows you to receive your money on your mobile phone in less than 10 minutes. You can withdraw it at any ATM that is registered with this system. Don't worry, you won't have to spend hours looking for one of their ATMs, because surely there are one near your home. There are more than 12,000 ATMs in the United States (Banco Popular, Evo, Bankia, Bankinter, Cajamar…). Best of all, you don't need to be a customer of any of those banks, or use a credit card from them. You go to their ATM and withdraw the money. That easy. Of course, at the beginning, as a new client you will not be able to opt for this system. First you have to earn Contante's trust. Once you are a customer, you can enjoy the option of withdrawing your money through this system.

How to use Hal Cash

  • To be able to use this system so fast and have your loan online, you must indicate it in your request for "constant advance".
  • You will receive a secret key when approving the loan contract.
  • Go to one of the many ATMs that are attached to Hal Cash with your mobile number, the SMS code, the amount and the secret password that they send you.

It's easy right? In addition, you do not need to be a client of any of those banks to be able to withdraw the money. In this way, it is achieved that you can have the money in your hand in less than 24 hours. Your payroll advance quickly.

Who can request a mini-loan in Cash?

As you will see, the requirements to be able to request your money are minimal, you do not need guarantees and the credit request operation will not take you more than five minutes:

  • Be of age.
  • Have periodic income (payroll, unemployment, pension ...).
  • Receive the payment in a bank account and have a debit card from the same entity.
  • Have a mobile number and an email.

You do not have to wait any time to request another mini-loan. As you amortize one, you can request another. The amount of mini-credits that you can request will increase as Contante's confidence in your solvency grows . But remember that this type of loan should not be used on a recurring basis or to pay other debts. You should perceive it as a timely way to get money for a whim or cover an unexpected expense.

How to pay your mini-credit

Unlike other companies, you do not have to make any transfer or deposit to return your mini-loan. C ontante will charge your debit card on the day the deadline expires. You just have to worry that there is enough balance in the account. Keep in mind that your loan does not exceed the daily limit of your card. If so, talk to your bank to solve it.

If you return it before the deadline you will pay less . Go to the section "my advance" and you can check the remaining money to pay. If you reduce the period of your loan, you will pay less interest on the money borrowed.

Extension

In order to extend your repayment period, you have to pay interest. These will depend on the amount of credit requested and the time of your extension. The limit is 30 more days.

In order to qualify for the extension option, it is important that you know that before you have had to make a payment of, at least, the interest on the initial loan. It can be enlarged a maximum of three times. We advise you not to resort to the option of extending your loan. It is better that before requesting your mini-credit, be clear if you will be able to pay it in the pre-established term.

Penalties for non-payment

They will charge you € 20 for non-payment and 1% daily of the amount of your mini-credit. If an agreement is not reached to pay off your debt, your account will be seized and you will be registered on the delinquent list. You have to be careful because entering this type of list, such as the Credit Checker, closes the door to apply for another loan, not only in this financial institution but in other loan companies.

Keep in mind that Contante understands its mini-loans as a payroll advance. The solution to momentary liquidity problems. The mini-credit must be returned as soon as you receive the following payroll.

Contante Reviews

These are the values ​​that the clients of this financial institution highlight:

  • The ease of receiving the money without having to wait for the deposit in your bank accounts.
  • The fact that they meet the delivery times of the money.
  • Transparency when it comes to being able to see from the first moment the interest that must be paid for your mini-loan. And the expenses in case of extension.
  • Their customer service: they have an online chat where you can ask your questions before requesting your money.

Contante is therefore one of the best options to request a mini-loan in case you have a salary, pension or monthly income. So you can enjoy those unforeseen plans at the end of the month. In addition, Contante is a member of the Spanish Association of Microloans (AEMIP) for which they undertake to carry out a responsible financing service.

If before making your decision you want to consult other companies that also grant online loans, we recommend that you take a look at the following financial institutions:

We would love to hear your opinion if you have already requested a loan with Contante. So other users can take your advice or experience into account. Can you tell us?

Contant Summary

Summary: Do you need to have money quickly in your bank account? Contante is synonymous with fast loans, since it works with all Spanish banks. This way you can guarantee that your money will be in your bank in just five minutes after having approved your credit application.

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