Miracle Pregnancy

Fellowship with God means warfare with the world.

Month: October 2018

Automobile Refinancing Option

Few individuals know they can refinance their car loan, not to mention the fact that they can get another loan against the very value of their vehicle. This is possible; in fact, this is a fairly common occurrence, and those who take advantage of these loans benefit from low-interest rates, contrary to what would otherwise be more expensive; unsecured loans.

Here’s how it works:

If you have ever had to refinance your home, you will surely have had the pleasure of seeing that the refinancing of a vehicle is very similar; you will have some experience with the process. Just like debt consolidation, you can get a new loan offered at a lower rate in order to replace your first car loan. Lower interest rates have led to an increase in auto refinancing as more and more customers realize the benefit of refinancing their vehicles. If this is something that might interest you, we recommend that you contact us.

How you save

In order to save money, you need to replace your current loan with a cheaper loan. The cost of your loan is determined by your interest rate, so, more than your interest rate is low, the more you save. Please note, however, that in some cases, there may be additional fees involved in the process of getting rid of your first loan: you must then make sure that the amount you are saving by refinancing your vehicle is not offset by the cost of breaking your first loan.

When is it a good idea?

If you want to reduce the amount of your monthly payment to your vehicle, or if you end up with a much too expensive car loan, you should consider refinancing your vehicle. You can save a considerable amount of money by doing this.

Many things can change over time. For example, if you got your car loan when you had a bad credit and the situation has changed, you will greatly benefit from the refinancing of your vehicle, since it is very likely that you will qualify for a new car loan with this time, a much lower interest rate- Carillon Towers.

Loan Requirements

Generally, lenders who deal with auto loans do not want to give money for a vehicle worth less than $ 5000. Other factors, such as your income or your credit rating, are specific to each lender.

The dangers of refinancing

Refinancing your vehicle is not always a good decision. Again, evaluate the cost of breaking your current loan and compare it with the amount you will save by refinancing your vehicle. Also, remember that if you refinance to reduce the number of your monthly payments, you could be lengthening the term of your loan. This can result in short-term savings, but over the full loan period, you will notice that you are paying more.

Welcome Offer – Online Credit Without Interest or Commissions


Well, you return the same amount you ask for. If for example, we grant you a loan of 200 euros to return in 30 days, if you make the return within the agreed period, only and exclusively will have to return those 200 euros, without any interest or commission added.

How can you request it?

Complete your registration by filling in your information, including your telephone number and the bank account where you want to receive your loan; identify yourself with your online bank in our Instantor verification tool and in 5 minutes you will have an answer.

Remember that you must be over 21 years old and not be registered in any delinquency record, in addition to being the owner of the bank account with which you will identify yourself and in which you will receive a green-touch loan.

If you can not complete the process because you do not have the keys to online banking by hand or you need to go to your bank to re-apply, do not forget that once registered you can access your Client Area and continue with the verification at another time. And you can do it from any device, be it your laptop, your tablet or your mobile!

I want my Free Loan


  • First loan
  • I am already a client

How much do you need?

  • 300
  • 600

– + EUR

For how long?

  • 7
  • eleven
  • 16
  • twenty-one
  • 25
  • 30

– + days


Loan amount Interests Amount to return APR (APR) Return date Receive your loan Information about the Loan

  • First loan
  • I am already a client

How much do you need?

  • fifty
  • 300
  • 600
  • 900

– + EUR

For how long?

  • 7
  • 14
  • twenty-one
  • 30

– + days


Loan amount Interests Amount to return APR (APR) Return date Receive your loan Information about the Loan

From Monday to Friday from 9:00 a.m. to 5:00 p.m.

Opening hours 9:00 – 17:00 E-mail: info@creditomas.es Tlf. 910 47 00 47 Chat with operator

From Monday to Friday from 9:00 a.m. to 5:00 p.m.

Opening hours 9:00 – 17:00 E-mail: info@creditomas.es Tlf. 910 47 00 47 Chat with operator     × Close




1. Identity and contact details of the lender.
Lender: Sistemas Financieros Móviles SL
Address: Avenida Bulevar Prince Alfonso de Hohenlohe s / n, Milla de Oro Building, Office 9, 29602 Marbella (Málaga).
Phone number: 910.47.00.47
Email: info@creditomas.es
Website Address: www.creditomas.es
Registry: Registered in the Mercantile Registry of Málaga, volume 5310, book 4217, folio 151, sheet MA-124432, Inscription 2.
2. Description of the Main Characteristics of the Credit product.
Type of credit: Consumer loan, in the modality known as “online microloan”.
The total amount of credit:
Conditions governing the disposition of funds: As soon as the Loan request is approved by the Lender, once the decision of the Borrower is confirmed, a bank transfer is made to the account provided by the Borrower in the loan application.
Contract period calendar days from the approval of the Loan. When the aforementioned payment date coincides with a day considered to be non-business, the payment must be made on the immediately following business day.
The terms and, where applicable, the order in which installment payments will be made: The Borrower must return the amount set as Loan with the processing costs on the payment date that is calendar days from the loan decision. The borrower must make a single payment of € (loan amount)
Interests and/or expenses: € to pay for the borrower before the expiration date in the bank account indicated on the Lender’s website.
The total amount that you will have to pay: That is, the amount of the loaned capital plus the interest and expenses related to your credit. a single payment of € (Capital borrowed plus interest).
Guarantees required: Do not.
3. Credit costs.
Debtor type: Fixed% for the duration of the Loan.
Annual Equivalent Rate (APR) The APR is the total cost of credit expressed as an annual percentage of the total amount of the credit. % TAE


  • X is the APR.
  • month: the order number of the last credit provision.
  • k is the order number of a credit disposition operation, so 1 ≤ k ≤ m.
  • Ck is the amount of the provision number k.
  • tk is the time interval, expressed in years and fractions of a year, between the date of the first disposition operation and the date of each of the following dispositions, so that t1 = 0.
  • m ‘is the order number of the last refund or payment of expenses.
  • l is the order number of a refund or payment of expenses.
  • Dl is the amount of a refund or payment of expenses.
  • Sl is the time interval, expressed in years and fractions of a year, between the date of the first provision and that of each reimbursement or payment of expenses.
Is it mandatory to obtain the credit itself, or, under the conditions offered, take an insurance policy that guarantees the credit? Or another accessory service? Do not.
Related costs (expenses for the use of a means of payment, notarial expenses): No, they do not apply to this product.
Costs in the case of late payments. Failure to make a payment can result in serious consequences (for example, forced sale) and make it difficult to obtain a loan. The non-payment at maturity of any amount arranged under the Loan will entitle the Lender to demand from the Borrower, in addition to the unpaid amount, a penalty of 1.00% per day, with a maximum limit of 200% over the principal amount. In addition, for every reminder that we should send you in case of default, 7.50 Euros will be charged.
4. Other important legal aspects.
The right of withdrawal: The right of withdrawal may not be exercised if the Loan has been executed in full by both parties at the express request of the Borrower.
In other cases, the Borrower will have a period of fourteen (14) calendar days to withdraw from the contract remotely, without indicating the reasons and without any penalty.
Early repayment: You have the right to prepay the credit in whole or in part at any time.
The Borrower has the right to return the Loan, in whole or in part, at any time before the agreed maturity date without additional costs. In case of early repayment, the Borrower will be entitled to a reduction of the total cost of the Loan, with a deduction by the Lender of the compensation for the costs derived from the early repayment that will not exceed 0.5% of the amount of the Loan repaid in advance.
Query a database: The Lender may collect information regarding the credit history and risk positions of entities providing information services on creditworthiness and credit (in particular, the Credit Service of Asnef-Equifax and Experian / Badexcug) to carry out risk analysis credit, monitoring, and control of financing.
Right to a project of the credit agreement: The Loan Applicant has the right, upon request, to obtain a free copy of the draft credit agreement. To do this, you must be willing at that moment to conclude the loan contract
The period during which the lender is linked by pre-contractual information The information will be valid from the moment the lender notifies its decision to grant the requested Loan.
5. Additional information.
a) Relative to the Lender. It is not subject to the supervision of the Central Bank of Spain.
b) Relative to the credit agreement: If applicable, the Borrower shall have a period of 14 (fourteen) calendar days in which he may communicate his intention to exercise the right of withdrawal to the Lender leaving the proof of the notification in any way admitted by law.
In the communication you must indicate your name; your ID number and the date of issuance of the Loan Decision.
It must be sent to the following address: Sistemas Financieros Móviles SL. Avenue boulevard Prince Alfonso de Hohenlohe s / n Building Mile de Oro, Office 9, 29602, Marbella (Málaga).
The legislation that the lender accepts as the basis for establishing relationships with you before the conclusion of the credit agreement: Spanish Legislation
Linguistic regime: The information and contractual terms will be provided in Spanish.
c) Relating to the resource:
Existence and access to extrajudicial claim and appeal procedures.
Claims should be sent to the email info@creditomas.es or, in writing, to the address of the Lender: Sistemas Financieros Móviles SL. Address: Boulevard Bulevar Prince Alfonso de Hohenlohe s / n, Milla de Oro Building, Office 9, 29602, Marbella (Málaga).
Likewise, the Lender is a company adhering to CONFIANZA ONLINE and, in the terms of its Code of Ethics, in case of disputes related to online contracting and advertising, data protection, child protection, and accessibility, it may resort to the extrajudicial resolution system of TRUST ONLINE controversies.


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