Loans without a card are made effective through a direct transfer to our checking account, without intermediaries

If you are looking for information about credits and loans without a card: you have come to the right place . In this text we will collect the main entities that offer you credit services that will be paid directly into your checking account, through bank transfer.

Where can I apply for loans without a credit card?

Below we collect a list of the main entities that today offer you loans without a credit card . Keep reading and find the one that best suits your needs.



Click here to go to the Creditea tab

Creditea offers you loans without a credit card between € 500 and € 5,000 with repayment in personalized monthly installments of up to 36 months . Accepts ASNEF and RAI .

⇨ When our credit application is accepted by Creditea, the amount requested in our bank account will be paid.



Click to go to the Wonga tab

We continue with Wonga a platform that offers financing between 50 and 600 euros (with a limit of € 300 in our 1st application) . Wonga has refund terms of up to 60 days and does not accept ASNEF .

⇨ After accepting our loan application without a card , Wonga will take approximately 15 minutes to make a transfer to our bank.

Ferratum Money

Ferratum Money Logo

Click to go to the Ferratum Money tab

Finally we find Ferratum Money , a platform where through its Flexible Credit we can get up to 1,000 euros with the first withdrawal up to 500 € free (commissions 0%). The refund varies according to what we need: We can make the refund in a single payment or in installments. They do not accept applications with ASNEF and RAI.

⇨ Once our loan application at Ferratum is accepted, we can have the money in our bank account in an interval of 10 to 15 minutes.

This is a complete selection of entities in which we can access credit without credit card quickly and easily, receiving the amount requested in our credit in the form of direct income in our checking account.

Content index

  • 1 Loans without a card are made effective through a direct transfer to our checking account, without intermediaries
  • 2 Where can I apply for loans without a credit card?
  • 3 What are fast credits without a card?
    • 3.1 And if I’m in ASNEF or RAI
  • 4 Advantages of quick loans without credit cards
  • 5 How to request money without a credit card?
    • 5.1 How much money do they give me and how much time do I have?

What are fast credits without a card?

Qué son los créditos rápidos sin tarjeta

Now that we have been able to know which are the main entities in which we can apply for quick credits without a card, we will see exactly what this financing service consists of.

When we refer to loans that can be requested without requiring credit or debit cards , we are talking about financing that is made effective through our personal checking account in the form of income.

For example, if we request a loan without a 300 euro card in any of the entities mentioned above, we will find that, once our data is contrasted according to the requirements of the entity and our request is accepted, the income of the Money requested will be made directly through the current account that we have provided in the application form, in the form of a bank transfer.

It is for this reason that we call this service under the name of fast credit without a card , given that we receive the entire amount requested through bank transfer, without intermediaries or credit cards.

And if I’m in ASNEF or RAI

If you are included in any delinquency file, we invite you to visit the selection we have prepared for you of microcredits that accept ASNEF

You can choose between the entities that fit your current situation, in this case they are without looking at ASNEF

In case you do not know if you are in ASNEF, we have you know for free in the post Know if I am in ASNEF

Advantages of quick loans without credit cards

One of the main advantages offered by fast loans without a credit card is the immediacy with which we can receive the transfer in our bank account.

As a general rule, entities specializing in on-line loans through the Internet have coverage for the vast majority of banks that operate in national territory and, therefore, if the transfers are made within the accounts housed in the same bank, these are reflected in a matter of minutes.

However, it is possible that the financial institution that we have chosen to request our loan does not work with our bank and has to perform this operation from an account hosted in another bank.

In this case the transfer of the amount of our quick loan without a credit card could take a variable interval of 48 to 72 hours . It is for this reason that if we urgently need money, we recommend first contacting the entity to see the immediacy with which the transfer will be effective.

Imagine an example in which we want to request a loan of 300 euros to fix an emergency breakdown at home. In this case the possibility of getting the money from our credit directly into our bank account in just a few minutes becomes an important advantage, since we will have it at our disposal at the moment to invest in what we need.

Another advantage that we find in the quick loans without credit cards is the convenience of receiving a direct transfer in our current account , without visiting any office and without leaving home: everything is managed through the Internet.

The convenience when managing the whole process is one of the star characteristics offered by the entities specialized in online loans. However, in the case of credits that are obtained without a card, it becomes a property that becomes even more important since we do not have to resort to any other intermediary (such as an ATM to obtain the loan through a card). ) to dispose of the money quickly.


How to request money without a credit card?

Finally, we will see how we can request money without a credit card , so that those of our users who are going to hire this service for the first time, can know step by step everything they will find.

To start with our funding request we have to access the web platform of the entity we have chosen.

This selection will be made according to the characteristics offered by the financial institution, in order to process our application in the one that best suits our requirements as an applicant.

Once we have clear which is the entity that best suits our needs to get money without a credit card , we will have to access your website.

How much money do they give me and how much time do I have?

In the websites of the entities we will find a credit simulation tool, in which we will have to introduce two different variables : one corresponding to the amount of money we want to request , for example 400 euros or a loan of 1000 euros , and another corresponding to the total number of days (or longer periods), for example, 12 months , if the entity allows payment in several installments , which we need to repay the loan. In general, especially if it is the first loan that we ask a particular financier, the maximum that they usually grant is 300 euros, although not all.

When we have entered these two data, we will see how a simulation of the total cost of our loan will automatically be calculated, allowing us to see the total interest of the operation . Thus, we can quickly see an approximation to the cost of our credit and the total amount of money that we have to return, once the period of days or months requested has elapsed.

The next step to continue with our credit application without a card will be to fill out an online form in which we will have to provide a series of basic personal data. These are necessary so that the financial institution to which we are going to send our loan application can verify our identity and that we fulfill all the necessary requirements.

The data that we have to provide are:

  1. Full name
  2. DNI or NIE
  3. Contact phone number
  4. Email address
  5. Bank account number
  6. Employment situation. Included if you are self-employed
  7. Proof of monthly income

As we can see, these are very basic and simple data that we can fill out quickly. Although, on the other hand, you can see that it is not true that they can only get with the DNI, that some advertisements on the internet show, as we told you in our post about credits only DNI

When we have finished with this form we will simply have to wait for the finance company to check all the data sent. The wait will not take more than a few minutes, so we will soon receive a response from the entity informing us about whether our request has been accepted.

Finally, in the event that our loan without a credit card has been accepted , we will receive the money directly into our checking account.