12 Places Where You can Lend Up To $300k Online 2024 Free Of Charge & Without Obligation


Review of 12 Places where you can Lend up to $300k online Instantly 2024

Nuestra revisión de 12 lugares donde se puede pedir prestado hasta $300k en línea al instante 2024

Company Information

Borrowell helps free people from financial stress. With its free credit score and report monitoring, automated credit coaching tools and AI-driven financial product recommendations, Borrowell empowers people to improve their financial well-being.

You might have great credit, but are you prepared for unexpected life events? Borrowell works with top brokers and providers to help you meet your home, auto, and other insurance needs. They combine technology and expertise to recommend products that are best suited to your financial profile. We also provide you with tips to help improve your credit score which can often help you qualify for lower rates and premiums!

Eligible countries: Canada: Borrowell.com

Company Information
Partners Finances has become a key player in the field of credit repurchase solutions.
The vocation of Partners Finances is to seek financial solutions adapted to all profiles and all needs in terms of financial restructuring.
Loan consolidation is suitable for all profiles. Whether you are a homeowner or a tenant, an employee or a tradesman, a single person or a family member, our financial solutions are adapted to your situation. Credit repurchase is not only for people in over-indebtedness.
Eligible countries: France: www.partners-finances.fr

Company Information

Pezetita helps you find loans from EUR 100 to EUR 1,500 for any purpose to be repaid within a period of 61 to 90 days.
Main advantages Pezezita :
  • easy to use and free
  • Answer in a matter of minutes
  • Does not require payroll or endorsement
  • Accept ASNEF
Eligible countries: Spain: Pezetita.com

4 Credy 

Rated 4 out of 5 stars

Company Information

With Credy it is very easy to obtain a loan. Credit helps you choose the best loan, with a price that suits your needs. The easiest way to get up to 750 EUR. You will only have to fill out the form and send the application, and one of its collaborating lenders will enter it directly into your bank. With Credy you can request a loan 24 hours a day, 7 days a week.Additional information
The terms and conditions will vary depending on the provider chosen for the loan. It is mandatory in all cases to be of legal age, have a bank account and receive a stable income.

Eligible countries: Spain : Credy.com/es Mexico : Credy.com/en


Rated 4 out of 5 stars
Company Information
Crezu offers an intelligent comparison of the best loan options on the market.
They concentrate the search on a single platform to save time registering and filling in forms on different pages.
They have offices in more than 10 countries around the world, with service in Spanish, 24/7.
Crezu is flexible, transparent and fast. 89% of your customers receive a response within the first 15 minutes of their request! 
  • AdvantageVariety of loans on one platform
  • Fast and flexible process. Offices in different countries of the world Great chance to get the loan

Eligible countries: Spain: Crezu.com/es


Rated 4 out of 5 stars
Company Information

Fiesta Crédito is a loan broker that offers different credits depending on the profile and needs of the user. With Fiesta Crédito, you can obtain your micro-loan decision from €300 to €100 in just 15 minutes, and all from the comfort of your home or your mobile. Fiesta Crédito is connected with the most important lenders. Our business is not based on lending money, but on advising those who need it. In addition, this loan search service is fast, very intuitive and totally free.
As a user you will be able to find different loan offers with interest and variable durations depending on the economic and personal situation. Its simulator allows you to select between 100 euros and 1,000 euros to be returned between 61 and 90 days , with the option of obtaining the first credit without commissions depending on who approves your request.

Main advantages : 
  • Loans from EUR 100 to EUR 1,000
  • Accept ASNEF Loans without payroll or endorsementResponse in 15 minutes payment term up to 90 days

Eligible countries: Spain : Fiesta.com/es


Rated 4 out of 5 stars
Company Information
With Fintonic you can get a loan in a simple, efficient and customized way. The process is online, without paperwork or sending payroll and without commissions. Fintonic calculates your financial capacity and offers you the loan that best suits your score in a responsible and reliable manner. You can request from 750 EUR to 50,000 EUR, with a variable TIN from 4.65% TIN (4.75% TAE) to a maximum of 34.10% TIN (39.97% TAE) to return within a period of between 3 up to 96 months. These financing conditions depend on the note of your financial capacity or FinScore.
Advantage: The process only takes 5 minutes. The financial capacity with FinScore is calculated from the information of your main bank account, which you must add to Fintonic after registering. The financing offer is indicative, non-binding, and has to be approved by the financial institution that offers the loan after carrying out the necessary verifications.

Eligible countries: Spain Fintico.com/es


Rated 4 out of 5 stars

Company Information
Microcréditos24 offers microcredits without paperwork , which can be acquired without presenting documents that have to justify a series of income, such as payroll, a guarantee or real guarantees of payment. It is not even necessary to fill out paperwork to request one of these credits. Even a person who has a debt and is registered on a list of defaulters (ASNEF, for example) can access this type of financing instantly. Microcredits24 is one of the best online solutions in terms of urgent microcredits. Your personal loan solutions without any paperwork can be ideal and adapt to all types of people and needs. From people who need the money to make a gift to people who, due to a specific situation or some unforeseen event, urgently need money to return in a short time but with sufficient facilities.

About the Microcredits24 :

  • Most demanded microcredits: 
  • Microcredits with Financial 
  • Credit Institutions 
  • Quick microcredits 
  • Microcredits without payroll 
  • Online microcredits

Eligible countries: Spain: Microcredits.co/es 

Rated 4 out of 5 stars
Company Information
Moneyman is an online loan service without payroll in Spain that allows any citizen of Spain over the age of 18 to obtain money online almost immediately. You only need a device with internet access and fill in the application form available on the website. The response is communicated instantly and in case the request is approved, the transfer will be made in a short space of time.
It is possible to obtain 1,200 euros (from the fifth request), to be returned between 5 and 120 days, in just 10 minutes. In addition, they can be returned in two monthly payments.Advantage400.00 EUR with 0% interest to be paid in 30 days Level credits: 5 different possibilities according to the needs of the borrower. Loans from 100 to 1,200 EUR. Return terms: from 5 days to 4 months.Automatic response: in 2 min.Immediate disposition of the credit: the client will receive the money in 15 min. after signing the contract.APR from 1.1%
Eligible countries: Spain : Moneyman.es

10 Prestamopro.com/es

Rated 4 out of 5 stars
Company Information
PréstamoPro offers a quick and easy way to get a loan. There are different ways to do it, through a personal loan, a quick credit or by card. All this in the same URL and counting the lead in each of the forms.

Main Advantages In Personal Loan you can request up to €30,000, with a minimum term of 3 months up to a maximum of 96.The website performs all the calculations automatically, without headaches.In fast credit it is even easier, you just have to indicate the amount you want to requestIn card there is a minimum of €1,000 and a maximum of €10,000 and the same terms as in Personal Loan.The APR is 9%, people included in Asnef lists are not disqualified as leads.The form has an anti-fraud system and does not let false emails through, so rejections are not common.
Eligible countries: Spain Prestamopro.com/es

11 Prestamosonlineya.es

Rated 4 out of 5 stars
Company Information
Prestamosonlineya.es is a website that works as an intermediary, offering third-party financing solutions.
About the Prestamosonlineya.es program : Prestamosonlineya.es is a website that works as an intermediary, offering third-party financing solutions. Therefore, they are not lenders, so they do not determine if a loan is accepted or not. The lenders that show on the web are part of their own database and do not give priority to any of them. The information provided in Prestamosonlineya.es is informative and depending on each particular case, the processing times of fast online loans and the final decision made by the lender may vary.
  • Online loans on the spot 
  • Online installment loans 
  • Online loans without endorsement 
  • Online loans with ASNEF
Requirements: The applicant must be over 18 years of age Spanish citizen Spain passport Any type of mobile device is required

Eligible countries: Spain Prestamosonlineya.es

12 Younited Credit

Rated 4 out of 5 stars
Company Information
Younited Credit  is a consumer loan platform, which offers different types of loans. Each loan responds to a need or realization of a specific project. From new car loans, trips, weddings, motorcycles, liquidity, education, health, furniture and appliances, computers or removals.
Loan Features: Amount from 1,000 to 50,000 EUR.Duration from 24 to 72 months
  • Minimum APR: 6.95%Minimum TIN: 5.75%Total or partial amortization commission: 0%
  • Minimum fee: 21.54 EUR/month*without changing bankASNEF is not allowed without endorsementsDefinitive response: 48 hours once the documentation has been correctly sent
*Example of financing for an amount of 1,000 EUR repayable in 72 monthly installments of 21.54 EUR. APR: 16.91%. NIR: 10.84%. Management fees: EUR 136.36. Total cost of the loan: EUR 550.88. Total amount owed: EUR 1,550.88.
Some of the main advantages of Younited Credit are:
  • Loan at a fixed and competitive rate. Exceptional speed. Great transparency
  • Younited is an entity regulated by the Bank of Spain
Eligible countries:Spain: es.younited-credit.com

We are updating verified company list...

Now let's  talk about:

What are interest? How do they affect investment and financing?

Understand simple and compound interest in practice Interest certainly is everywhere: in the school curriculum, in banking transactions, in installment purchases and in macroeconomics. This is, in fact, one of the most basic concepts when we talk about money. Therefore, it is essential that you know what interest rates are, how they work and how they can benefit you. A lot of people think they're always about losing, but that's not true. It is possible to earn money from interest, you just need to know how to invest .

What are interest?

In short, they are a fee paid for borrowing money. That is, the longer this borrowed money takes to be returned, the more interest works.
The rate is always determined by a percentage. Whether it is pre-defined and calculated based on the amount borrowed or based on a rate, such as the CDI or the Selic rate. The Grão remunerated digital account, for example, yields 100% of the CDI, which is the rate among banks.
In other words, this means that if you have R$1,000 in it and the CDI is at 10% per year, your money will yield R$100 in one year. However, in some financing or installment purchases the interest is fixed. For example: 3% per month.

This means that, every month, the equivalent of 3% of the amount will be added to your outstanding balance. If it is simple interest, it will be 3% of the initial purchase amount. On the other hand, in compound interest, it will be 3% of the amount still to be paid. We will explain this better later on.


Selic is the economy's basic interest rate, which regulates all others. It is defined by the Central Bank of Brazil during the Monetary Policy Committee ( Copom ), which takes place every 45 days.
The Selic works mainly to control the purchasing power of Brazilians and consequently inflation. With a high base rate, loans and term purchases are not favored. Thus, businessmen and individuals in Brazil buy less.
When Selic is low, trade is favored. However, if this is not helping the supply of products on the market, we have inflation. In this way, the Selic serves exactly as a balancer, a scale for the rates in force in the country.

 How to calculate interest?

To calculate interest, you'll first need to know whether it's simple or compound.
In addition, you need to know the rate, how long the money will be borrowed and the amount of the loan. 
If you take out a loan, consider the period given to you to pay back the money as time. And if it's an investment, consider the application time until redemption. Then, also pay attention to the rate. Is it monthly or yearly? If it is annual, to find out the interest you will pay or receive per month, calculate the annual amount and divide by 12. If the fee is monthly and you want to know how much you will pay or receive in total, multiply the interest result by the total number of months. For example, you've figured out with the formulas listed below that you'll pay $5 in interest per month on a 5-year loan. So, you must multiply 5 by 12 and then the result by 5. In total, you will pay R$300 in interest.

What is the difference between simple and compound interest?

The simple ones are used to calculate the charges that fall on a single amount, so it does not vary over time.

One of the greatest uses of simple interest is in loan agreements. But it's worth asking when closing a deal. So if you borrow $1000 at 10% simple interest a month, you will pay the same amount every month. Let's assume this is a 10-month loan term:
  • R$1000 divided by 10 months: R$100
  • 10% of 100: R$10
  • Installment value: BRL 110
On the other hand, compound interest always implies on top of the final amount. Its greatest use is in fixed income investments. If you invest R$1000 with a compounded return of 10% per month, your money will earn more each month. If the investment redemption date is 10 months from now, you will have:First month: 10% of R$1000: 
  • R$100 profit;
  • Second month: 10% of $1100: $110 profit and so on.
That way, if you have an investment with profitability in compound interest and monthly application, the tendency is to generate a big snowball. And that's the logic behind long-term fixed-income investments.

Compound interest

To calculate compound interest, use the following formula:
  • M = C (1+i)tM: amount (final amount, with interest added);
  • C: capital (initial value, first investment);
  • i: rate (value in decimal format. That is, if it is 3%, use 0.03, for 2%, 0.02, and so on);
  • t: application time (if the rate is per year, use time in years. If per month, use time in months).
Alternatively, use a compound interest calculator.

Simple interest

In that case, you can use the following formulas:
  • Interest = Capital × rate × time (if the rate is in gross value, example: 0.03)
  • Interest = Capital × rate × time ÷ 100 (if the rate is in decimal, example: 3%)Capital: money that is borrowed;
  • Rate: percentage applied on borrowed money;
  • Time: period in which the balance must be settled.

nominal rate

To find out what rate you will pay or receive, pay attention to the “nominal rate” specified in the contract.

Generally, when closing a loan, for example, sellers only say the amount of the installment to be paid. And also how long you have to pay. In this way, the interest can be disguised. If it's a small installment and a long term, you might think it's a good deal, but don't be fooled. Before signing a contract, know exactly how much interest you will need to pay. Use the formulas we taught above and, to find out the rate, look for the “nominal rate”. Nominal interest is precisely the name given to the percentage paid on a debt for a given period. Or the return received from an investment.

Central Bank interest rate

The Brazilian Central Bank, in addition to determining the Selic Rate, also determines rules for the rates applied to each type of service. On the BC website you can find the rules determined for each situation: credit card , real estate financing, financial loan, etc. Check that the institution that is offering you credit is following the rules determined by the BC and avoid abusive interest rates.

Also, always compare the values ​​of two or more credit companies.

Citizen Calculator

To make life easier for those who need to deal with interest on financing and loans, the BC provides a citizen calculator. In it, you can calculate the rates for free according to the indexes most used for this purpose in Brazil. Just access the website .

TR Rate

The Referential Rate (TR) is one of the rates that are generally used on interest accounts. It is in the calculation of profitability of savings , for example. The TR spent four years at zero, when we had the basic rate at high levels. At the beginning of 2022, with the Selic above 8.5% per year, the TR became positive again. TR's projection for this year is between 0.60% and 0.80% per year.

Interest rate on investments

As we said earlier, if interest is the villain when taking credit, it becomes your best friend when you invest. Mainly compound interest. The main investments that are based on interest are those of fixed income, which consists precisely in lending money. You can lend money to the government, investing in the Direct Treasury , or to banks, through CDBs .

There are also loan papers for agribusiness (LCA) and real estate market (LCI).

Pay attention to the investment rate you intend to make. And, if interest is compounded, it's worth making monthly contributions to multiply your money even faster. If you invest in variable income, pay attention to stocks that pay interest on equity. They deliver profitability based on interest calculation.

Savings income

Savings income is a good example of compound interest. Today, with the Selic at 10.75% per year, it yields 0.5% per month plus the TR. This calculation is always based on the amount in your account and not on the amount of your initial contribution.

Interest on equity

For those who invest in stocks on the Stock Exchange, interest on equity is a way of distributing the company's profit to shareholders. Thus, you must calculate the interest indicated by the company on top of its value and divide by the number of shares.

Future Interest

Future interest investment contracts, often referred to as DI, are purchase and sale contracts. They are made on the perspective of the interest rate in the period from the start of trading until a future date. They take into account an expiration date established in the contract. Thus, you can profit by speculating on the behavior of the interest rate.

Financing interest rate

Financing interest rates are perhaps the highest on the market. After all, it usually takes many years.
Therefore, before taking out a loan, you need to know the total effective cost and how the interest rate will be applied over the months. To do this, pay attention to some terms: 
  • Nominal rate. It is the interest that is informed in the contract;
  • Actual rate. They are the nominal interest corrected by the inflation of the period;
  • Effective rate. It's the one that actually pays. That is, if the effective rate is 1% per month, it will be readjusted by 1% per month.

Comparison at the Central Bank

To find out which is the best deal to make, use the interest rate comparison available for free on the Central Bank website .

Total Effective Cost (CET)

The total effective cost (CET) is very important when making a long-term purchase decision. It shows how much you will pay in total, between product value and interest. This prevents you from falling into illusions.
Mainly for goods with greater values, such as real estate and cars, it is necessary to take the CET into account.
After all, an apartment on the plan can seem cheap in terms of the cash price and the value of the installments. But maybe you'll be surprised when you know how much you'll pay in the end with the addition of interest.

Abusive interest

Before closing any contract, whether for a loan, financing or credit card, always compare the interest charged.
Compare with other financial institutions and also check the interest table recommended by BC. This way you avoid paying abusive interest.
Incidentally, companies that charge abusive interest may even be fined for it. If you experience a case like this, report it to Procon .


Like almost everything in life, interest rates have their good and bad sides, it all depends on the perspective.
If you buy on credit, need a loan or take out financing, interest is a villain. After all, it means that you are having to pay more than the value of the product in cash.
If you invest your money, mainly in fixed income, which works with this loan logic, you win.
As the saying goes, “time is money”, so use it to your advantage, making your money income.
Now that you know everything about the topic, I'm sure you're much more able to make good financial decisions.

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  1. Thank you for this update, this will come in hand when I am short of funds and I want to take a loan. Very helpful information.

  2. 2023swethap@gmail.comApril 9, 2024 at 10:28 PM

    Nice post and good info

  3. This list is really helpful for anyone looking for trustworthy platforms to borrow from Thanks for sharing this valuable information

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  7. Very informative article to read

  8. Nice piece of information for all out there looking for places to borrow from for effective daily activities.

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  10. Helpful information,thanks for sharing

  11. These are helpful information. Thank you for sharing them.

  12. Thank you for sharing this information. This list is really helpful for anyone looking for trustworthy platforms to borrow.

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