{"id":35360,"date":"2025-12-10T13:15:42","date_gmt":"2025-12-10T12:15:42","guid":{"rendered":"https:\/\/www.reclamador.es\/blog\/?p=35360"},"modified":"2025-12-16T09:25:52","modified_gmt":"2025-12-16T08:25:52","slug":"que-considerar-antes-pedir-prestamo-rapido-o-pequeno-credito","status":"publish","type":"post","link":"https:\/\/www.reclamador.es\/blog\/que-considerar-antes-pedir-prestamo-rapido-o-pequeno-credito\/","title":{"rendered":"\u00bfQu\u00e9 debes considerar antes de pedir un pr\u00e9stamo r\u00e1pido o peque\u00f1o cr\u00e9dito?"},"content":{"rendered":"<div class=\"ttr_start\"><\/div>\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;35360&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;1&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Valora este art\u00edculo&quot;,&quot;legend&quot;:&quot;5\\\/5 - (1 voto)&quot;,&quot;size&quot;:&quot;20&quot;,&quot;title&quot;:&quot;\u00bfQu\u00e9 debes considerar antes de pedir un pr\u00e9stamo r\u00e1pido o peque\u00f1o cr\u00e9dito?&quot;,&quot;width&quot;:&quot;113.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 113.5px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 16px;\">\n            5\/5 - (1 voto)    <\/div>\n    <\/div>\n\n<figure id=\"attachment_35366\" aria-describedby=\"caption-attachment-35366\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-35366\" src=\"https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2025\/12\/que-considerar-antes-de-pedir-un-prestamo.jpg?resize=1200%2C630&#038;ssl=1\" alt=\"prestamo rapido considerar\" width=\"1200\" height=\"630\" srcset=\"https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2025\/12\/que-considerar-antes-de-pedir-un-prestamo.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2025\/12\/que-considerar-antes-de-pedir-un-prestamo.jpg?resize=800%2C420&amp;ssl=1 800w, https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2025\/12\/que-considerar-antes-de-pedir-un-prestamo.jpg?resize=150%2C79&amp;ssl=1 150w, https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2025\/12\/que-considerar-antes-de-pedir-un-prestamo.jpg?resize=768%2C403&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption id=\"caption-attachment-35366\" class=\"wp-caption-text\"><em>Qu\u00e9 tener en cuenta antes de pedir un pr\u00e9stamo r\u00e1pido<\/em><\/figcaption><\/figure>\n<p>\u00bfEst\u00e1s buscando informaci\u00f3n sobre <a href=\"https:\/\/www.reclamador.es\/usura\/prestamos-rapidos\/\">pr\u00e9stamos r\u00e1pidos<\/a> o <a href=\"https:\/\/www.reclamador.es\/usura\/microcreditos\/\">microcr\u00e9ditos<\/a>? Antes de avanzar y decirte qu\u00e9 debes considerar antes de pedir un pr\u00e9stamo o cr\u00e9dito online de los considerados como \"de f\u00e1cil aprobaci\u00f3n\", queremos explicarte que <strong>esta opci\u00f3n no suele ser la mejor, principalmente por sus elevados intereses y su corto plazo de devoluci\u00f3n.<\/strong> Pero, si a\u00fan as\u00ed, ya tienes completamente decidido que vas a pedir un pr\u00e9stamo o cr\u00e9dito r\u00e1pido, te contamos en qu\u00e9 debes fijarte a la hora de contratar uno de estos productos financieros.\u00a0<\/p>\n<h2>\u00bfQu\u00e9 considerar antes de pedir un pr\u00e9stamo o cr\u00e9dito instant\u00e1neo?\u00a0<\/h2>\n<ul>\n<li><strong>Los intereses que vas a pagar por el microcr\u00e9dito o micropr\u00e9stamo.<\/strong> No te fijes solo en el <a href=\"https:\/\/www.reclamador.es\/blog\/diferencias-tin-tae\/\">TIN, f\u00edjate principalmente en la TAE<\/a>. La Tasa Anual Equivalente te va a decir realmente cu\u00e1nto terminar\u00e1s pagando por el cr\u00e9dito o pr\u00e9stamo que pides. Entidades como Cashper, por ejemplo, te ofrecen la posibilidad de solicitar desde 50 \u20ac hasta 1.000 \u20ac y devolverlos en un plazo m\u00e1ximo de 30 d\u00edas. La TAE que pagas en un pr\u00e9stamo de Cashper puede superar el 59.000 % TAE.\u00a0<\/li>\n<li><strong>Las comisiones o intereses que se aplican en caso de impago.<\/strong> Los pr\u00e9stamos r\u00e1pidos de f\u00e1cil aprobaci\u00f3n llevan aparejados plazos muy cortos de devoluci\u00f3n de las cantidades (+ intereses) prestadas. En caso de llegar el d\u00eda de vencimiento y no poder hacer frente a la devoluci\u00f3n de lo prestado m\u00e1s intereses, estos productos suelen aplicar elevadas comisiones e intereses de demora. Por ello, a la pregunta qu\u00e9 considerar antes de pedir un pr\u00e9stamo o cr\u00e9dito, f\u00edjate bien no solo en la TAE del propio pr\u00e9stamo, tambi\u00e9n en las condiciones que pone la entidad en caso de<a href=\"https:\/\/www.reclamador.es\/blog\/que-pasa-si-no-pagas-microcredito-prestamo\/\"> impago del cr\u00e9dito o pr\u00e9stamo r\u00e1pido<\/a>.\u00a0<\/li>\n<li>Y m\u00e1s all\u00e1 de las propias condiciones del cr\u00e9dito, <strong>ten en cuenta por qu\u00e9 o para qu\u00e9 pides el dinero y si vas a ser realmente capaz de devolver esa cantidad m\u00e1s los intereses en un plazo de un mes, dos meses o seis meses.<\/strong> Si sabes bien que se trata de un pr\u00e9stamo puntual, para una situaci\u00f3n puntual y que vas a poder hacer frente perfectamente a vencimiento al pago, puedes considerar esta opci\u00f3n. Si ya est\u00e1s en una situaci\u00f3n econ\u00f3mica complicada, no es recomendable este tipo de producto financiero, dados sus elevados intereses, sus comisiones de impago y su corto periodo de devoluci\u00f3n.\u00a0<\/li>\n<li>Del punto anterior se deduce otra consideraci\u00f3n a la hora de tomar la decisi\u00f3n de qu\u00e9 pr\u00e9stamo pedir. Se trata del <strong>plazo de devoluci\u00f3n.<\/strong> Muchos de los cr\u00e9ditos r\u00e1pidos online que se ofertan en una simple b\u00fasqueda en Internet conceden pr\u00e9stamos a devolver en un plazo m\u00e1ximo de 30 d\u00edas. Puede ser que algunas entidades permitan devolver el dinero en 3 o 6 meses. Aseg\u00farate del plazo en el que t\u00fa tendr\u00e1s capacidad de devolver ese dinero. Tambi\u00e9n de la TAE que se aplicar\u00e1 a tu pr\u00e9stamo r\u00e1pido o microcr\u00e9dito seg\u00fan el tiempo que te marques en devolver lo prestado.\u00a0<\/li>\n<\/ul>\n<h2>Reclamar microcr\u00e9ditos y pr\u00e9stamos r\u00e1pidos por usura<\/h2>\n<p>Los intereses usurarios de microcr\u00e9ditos y pr\u00e9stamos r\u00e1pidos de f\u00e1cil aprobaci\u00f3n se pueden reclamar por usura, siempre que el tipo pactado y el tipo medio del mercado en ese momento superen los 6 puntos porcentuales.\u00a0<\/p>\n<p>Y en reclamador.es podemos ayudarte a reclamar tu microcr\u00e9dito o pr\u00e9stamo al instante. Solo tienes que completar el formulario que te dejamos en el bot\u00f3n m\u00e1s abajo. Si consideramos que tu cr\u00e9dito o pr\u00e9stamo se puede reclamar por usura, nosotros nos encargados de todo hasta conseguir que la entidad te devuelva el dinero que has pagado de m\u00e1s.\u00a0<\/p>\n<p>Llevamos desde 2012 defendiendo los derechos de las personas frente a los abusos de las grandes empresas. No lo dudes, reclamar un microcr\u00e9dito nunca fue tan f\u00e1cil, gracias a reclamador.es.<\/p>\n<h2 style=\"text-align: center;\"><a class=\"button-lead\" href=\"https:\/\/www.reclamador.es\/banco\/revolving\/formulario\/\" rel=\"noopener\"><strong>Conoce aqu\u00ed si tu pr\u00e9stamo o cr\u00e9dito se puede reclamar<\/strong><\/a><\/h2>\n<p>\u00a0<\/p>\n\n\n<div class=\"ttr_end\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u00bfEst\u00e1s buscando informaci\u00f3n sobre pr\u00e9stamos r\u00e1pidos o microcr\u00e9ditos? Antes de avanzar y decirte qu\u00e9 debes considerar antes de pedir un pr\u00e9stamo o cr\u00e9dito online de los considerados como \"de f\u00e1cil aprobaci\u00f3n\", queremos explicarte que esta opci\u00f3n no suele ser la mejor, principalmente por sus elevados intereses y su corto plazo de devoluci\u00f3n. Pero, si a\u00fan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[393],"tags":[772],"class_list":{"0":"post-35360","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-consejos","8":"tag-usura","9":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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