Online credits are granted completely online, without worrying about security, they are types of loans that your request is made only online.

We are in the XXI century, where it is increasingly common to perform all our operations through a computer or from a device with Internet access, either from the purchase of products to service payments. By finding a way to make these transactions through a much faster and easier process and that this is done without having to go to a specific point, we are sure that we have found a better way to do these procedures, without having to compromise the carrying out other activities during the day. For this reason and not to be left behind while technology and new ways of communicating change we offer online credits that guarantee you get your money quickly and safely without the need to make long lines.


With the aim that as our client you have a better experience with our loan service, making an application online, allows you to save a lot of time not only in journeys and ranks, but also in the search for documents and requirements, since everything can be done From the comfort of your home or office. All you need is to have a computer with internet access, you must fill out a form and send your application; There is no loan process as quick and easy as ours.


Now, most of us know the “normal” process of a credit application and all the requirements it needs, from long lines to innumerable paperwork. For this reason and thinking about the effectiveness, comfort, safety and speed, Zinobe has created a product that has been designed and thinking of you, in your need to access online credit services and to be connected with this new style of life that you carry today, where there is no “time to lose”. For this reason when making your credit application you should not go to any office, nor send any kind of document, simply enter our platform and comply with the essential requirements that are:


Have an address in Colombia.

Be of age.

Have an email account to which we can send you all the required information.

Provide a cell phone number that you use frequently and for personal use.

Provide an active bank account number either savings or current that is in your name.

Once in our platform select the value to request and the date of payment, diligence the form verifies the values ‚Äč‚Äčthat you must cancel and wait a few minutes, if your request is approved after one business day you will be disbursed personal account which you supplied in the form. When you obtain your credit you must bear in mind that you must cancel the whole of this in a period not exceeding 30 days fr


oN the date of application, since this is the commitment you acquire with us since you decide to use our services.


So that you can continue counting on our services, it is important that you demonstrate that you have a good payment activity, since it depends on your good behavior reflected in future loans.


By having a good payment behavior with online credits , Lineru gives you discount codes of up to 50% for the cancellation of your next loan online and likewise for the same good payment behavior, you can request increases in the quota that you was initially approved, which are carried out by the system gradually.




The financial history is not necessary to apply for a credit on the internet.  The lineru system allows you to create a credit history.

Not having a financial history should no longer be a concern, with Lineru acquiring that money you need without needing a bureau

The loans bureau are financial services that do not need to have a credit or financial history when making your request. Various entities grant these products in order to give their clients an opportunity in the financial world. It is a benefit that is increasingly seen thanks to digital credit platforms.


What is a credit bureau?


What is a credit bureau?

It is all the information that appears when you make a credit application; from your financial history, the information of your credit purchases or other requests, to the personal data related to your financial requests. That is, no matter what type of financial product you have taken, you already have a credit bureau.




Who takes care of the information of my financial history?


Who takes care of the information of my financial history?

This information is quite delicate and can make you wonder. Can anyone know my information in the bureau? but do not worry, the answer is: No . All the information recorded in your credit history is completely confidential and can only be accessed by companies that are affiliated with the credit database, and it is a process that is done with your consent to do the study.


Your financial information is kept in our country by the Habeas Data law or privacy and data processing policies, which prevents anyone from accessing your personal or financial information without your prior authorization.


For the case of your financial information, the Superintendence of Industry and Commerce (SIC) is in charge of protecting the fundamental right of each citizen with the “Habeas Data”, which allows you to have knowledge of your information, as well as rectify or update your data. In addition, it allows you to change your status in the credit bureaus once you have met the deadline set with your report.


Where can I apply for loans without a burea?

In most cases, the financing companies request to have a history in the credit bureau . But in Lineru it is not necessary to have this information, for this reason the credits that we offer in our platform are credits without a bureau . If you wish to access the service or make your credit application, you must only meet these requirements.


Requirements to apply for a loan without a burea

To start your application you just have to take into account the following requirements:


Be of legal age and Colombian resident.

Have active email where you can receive information.

Have a cell phone number where we can communicate with you.

Owning a bank account registered in your name, can be savings or current.

In addition to these it is important to keep in mind that the process of applying for your credit is completely online, 24 hours a day, 7 days a week, from the comfort of your home or office .



How to apply for a loan without a bureau?


To start your application, you can go to, by clicking on the button “REQUEST YOUR CREDIT” you can start your process in which in less than 15 minutes the system will give you an answer . If your application is approved, the disbursement is made in maximum one business day directly in the account you provided at the signing of the contract. The payment must be made in the time you chose (maximum 30 days) and you can make it effective through Online Payments (PSE), via Baloto, Exito, Carulla or Surtimax.


Additionally, we would like to notify you that the request for personal data on our platform is made in accordance with the ‘Habeas Data’ personal information management laws of the Superintendence of Industry and Commerce (SIC). For this reason you can count on all the security at the moment of requesting your credit without bureaucracy .

How to pay the money withdrawn from investment funds?

If you want to obtain profitability with your money, it is important that you know how to choose your investment. There are many options, and one of the most profitable alternatives are investment funds.

In these funds we can deposit our savings to give them profitability, although we will also have to be willing to assume the risks.

If you are looking for other lower risk products, or even risk-free, and you do not care what the profitability is not so high you can try the deposits, for example.

Anyway, today we will talk about mutual funds, what types of funds are there, who manages them, what are the assets in which we can invest in a fund and what kind of investor we are according to our profile. In addition, we will talk about the taxation of funds.

What is an investment fund?

money deposit

An investment fund is a financial instrument that is used to invest in other products such as stocks, bonds or obligations, with the capital of all fund participants.

For what is understood, a fund works as a basket of investments, and we can contract it through a bank or using an investment agency.

Mutual funds are characterized by their flexibility, and there are different types for which we can choose a greater or lesser risk. In the funds can invest any, and usually is a product in which you can rescue the savings at any time, so in principle you should not have liquidity problems.

However, the funds are subject to market fluctuations and this may be beneficial or not. Sometimes you can win thanks to the quotes but others you will lose.

On the other hand, we have the guaranteed funds, which are those in which we can always recover the nominal amount at the moment in which the maturity term reaches.

What types of funds are there?

There are many funds in which you can invest, and this would be a summary of the main ones:

  • Fixed income funds: They invest only in fixed income assets, such as bonds and bonds, bills, promissory notes, deposits … In general, safer investments are combined with other higher risk investments.
  • Equity fund: In more than 75% they invest in equities, that is, in equities and other similar products. Subcategories are established depending on the market in which the fund is invested or the sectors of the fund’s activity.
  • Mixed funds: Invest in both types of securities, fixed income and variable income. The higher the percentage in equities, the more profitability we will obtain in the fund, although the risk to which we will be exposed will also be greater.
  • Guaranteed funds: The initial capital invested is guaranteed plus a return that can be fixed or variable in a certain period of time.
  • Monetary funds: They usually operate in the short term and are invested in credit market assets. They offer low volatility so they are low risk.
  • Funds of funds: Invest more than 50% of the assets in other investment funds.
  • Global funds: They have no obligation to set any percentage or credit rating to the assets. They have not established a certain investment. They usually involve high risks, because we can not know in advance the percentages that will be allocated to variable and fixed income.
  • Passive funds : These funds replicate to a specific index, such as the IBEX 35. The management fees in these funds are quite low.
  • Real estate funds: They invest in real estate assets, obviously, and get the returns on their rent and the evolution in their prices.
  • Absolute return funds: The “hedge fund”, for example. They are characterized by trying to achieve unguaranteed profitability objectives and be risky.

What tax advantages do investment funds offer us?

What tax advantages do investment funds offer us?

If you are wondering if investment funds have any advantage fiscally speaking, we will say yes.

For now the most remarkable thing about the funds is that all the profitability that we get in the investment will not be taxed until we withdraw the money deposited.

The moment we want to “rescue” that money from the fund and withdraw it to a current account then it will be the moment when we have to worry about taxation.

The advantage is that the investment funds allow us to maintain a capital invested, and generating benefits during the time we decide and without having to declare anything to the Treasury. Remember, you will only have to pay when you decide to take the money.

On the other hand, saying that in case of transferring a fund to another is not considered as a “rescue” of capital, that is, what can we do this procedure if we want to keep the capital generating profits and maximize the investment.

How should we pay the money withdrawn from the funds?


At the moment we withdraw the money from the funds we will have to declare it as capital gains in the income statement.

Regardless of whether we rescue the total investment fund or only a part of the capital invested, we will have to start paying for that money.

So at the moment we take this action to withdraw the capital of the investment fund to our bank account, the bank will give the Treasury 19% of the return.

This directly, and then later in the declaration, the profitability will be taxed in the following installments, along with the other capital gains and real estate capital yields.

  • Up to € 5,999 of earnings 19% tax
  • From € 6,000 to € 49,999, 21% tax
  • From € 50,000 of earnings, 23% of taxation

It should be noted that if for whatever reason instead of gaining profitability we will lose it and that was the reason to “rescue” the money from the fund, we will have the possibility to compensate it with the gains and losses of the real estate capital yields and capital gains.

In this way the interests that we have to pay will be more realistic.

In addition, when the time is right we may not have to pay anything to the Treasury because in the rescue they will have immediately removed a percentage of the performance of the investment fund, and how it is logical in this situation will not charge us again.

This will be in case of not exceeding the first tranche of € 5,999. If you exceed 6,000 € then you will have to pay, but you will only have to pay the difference of the percentage of the section that corresponds to you.


Payday Loan Consolidation: Loans Financing and Personal Loans Online, Simulation and Calculation

Cleopar loans are among the most requested in Italy for the implementation of medium-level projects, such as the purchase of a vehicle, appliances, furniture, home renovation, solar panels. This Italian financial company, belonging to the Medibank group, offers you the possibility to apply for a personal loan of up to 30,000 euros at advantageous and personalized terms. As a customer, you have the opportunity to always choose the best combination between the amount of the installment and the duration of the loan.

How to apply for a loan?

You can make an appointment at one of over 170 points of sale in Italy or go online. Take a look at the commercial offer (we will shortly report the best proposals) and simulates the amount of the installment and the duration of the amortization plan. If you feel satisfied with the conditions, you can fill in the appropriate form, entering your personal data and attaching the required documents. In particular:

  • an identity document with validity
  • the tax code card or alternatively the regional service card
  • the last payroll if you are a salaried employee, the only model if you are a self-employed person or a pension coupon if you are a retired person. In the latter case, the receipts of INPS payments are also fine.

The Cleopar staff will check your loan application and decide whether to accept it. Response times are reduced to the lowest end. If successful, the amount requested will be debited by check or bank transfer directly to your current account, at best, already in the day.


You can apply for a personal loan if you are an Italian or foreign citizen and resident in Italy and if you are between the ages of 18 and 70 living in Italy. If you are a foreigner, you must be resident in Italy for at least 1 year and your residence permit must be valid.

Loan Guide 

In terms of personal loans, finalized loans and loans at favorable conditions, the Cleopar offer is truly varied. It’s up to you to choose which commercial proposal is the one most in line with your actual needs. Here are some.

  • Easy : you can build your loan installment in the first person based on your needs. This is the basic commercial proposal of Cleopar, since you can not change the amount of the installment in progress. The advantage? The installment is always constant for the entire duration of the repayment schedule.
  • Easy Jum p: the option known as an installment jump. You can skip up to 5 times the payment of the installment, completely free and when you consider it appropriate. The repayment of the installments will be queued at the end of the payment.
  • Easy Change : the option known as change of installment is all about the possibility of reducing a maximum of 5 times the amount of the installment at no additional cost and when you want. The duration of the loan, as you can guess, will be extended.
  • Easy Flex : the non plus ultra in terms of flexibility and customization. This commercial proposal combines the features of the “Easy Jump” and “Easy Flex” offers. You have the option to skip or reduce the amount of the installment up to 5 times during the payment.
  • Mini Credit : if you want to have available liquidity reserves, maximum autonomy and full freedom in expenses, this type of loan is just what you need. The money reserve of 1,500 euros allows you to realize a small desire.



How is the liquidity reserve rebuilt? Taking into account the fact that this remains always available, the reconstruction takes place via automatic repayment via installments. These are fixed and small and range from 50 to 100 euros a month. This formula, in fact, allows you to better monitor all your expenses. For example, if you request a mini credit of 500 euros, you can repay it with 12 comfortable monthly installments of 50 euros. The amount due to the customer will be equal to 577.14 euros.

Loans- cards and mortgages

A financial portal that you can use if you need information about credits, microcredits, personal loans, and cards.

In Credit web they will adapt to your Dorian Gray and will provide you with the service you need, with complete professionalism.

Why choose Credit web?

Why choose Credit web?

If you need a personal loan or microcredit in Credit web they can provide everything you need, and with all the facilities.

This financial portal was created with the aim of providing information and advice to all those who are thinking about requesting a personal loan, and they also do it completely free of charge.


  • Personal loans up to € 50,000 to be repaid in a maximum of 84 months
  • Mortgage simulator with free advice and no obligation
  • ASNEF Loans


  • They do not offer a first free loan
  • There is no way to find out what loans or credits did not show us
  • Sometimes they offer us loans that after the entity rejects us


How does Credit web work?

Kreditweb is a financial portal through which you can process a personal loan application. You just have to indicate what you need and they will do everything to help you find the loan that suits your Dorian Gray and offers the best conditions.

On the Credit web portal, you can get information about personal loans and cards. In addition, you can use the mortgage simulator to make any query and get advice completely free and without obligation.

If you are considering asking for a personal loan and you do not know where to start, do not worry because from Credit web they will help you as much as possible so you can find the best solution for you.

In this financial portal, they will analyze your case personally and offer you the options that best suit you, in terms of Dorian Gray banks and entities that could help you with the financing you need.

From Credit web, they will be in charge of asking for a study to the banks that you choose and to look for the best alternative for you. Afterward, they will send all this information to your email address or they will offer you advice via telephone.

At Credit web, they value your time and that is why they will help you in everything possible to make the loan application process much easier and faster. You will only have to provide all the information requested, and you will not have to waste more time.

What type of financing do you need?

What type of financing do you need?

At Credit web, you will find all kinds of financing solutions, and they will work to offer you the best according to your Dorian Gray. If you use Credit web to request a personal loan, you will not have to waste time searching for the best financial institution.

At Credit web, you will find the best loan for you and with the best market conditions. From microloans, personal loans, credit cards to mortgages.

To use the services of this financial portal you simply need to follow these three simple steps, and in less than what you imagine you can get different financing options so you can choose the one that interests you the most.

  • Provide all the necessary information: Complete all the required fields of the form so that Credit web can analyze your profile and so that they can study the different options about your loan application.
  • Credit web will analyze all the options that can adapt to your Dorian Gray and offer you all the loan possibilities that may be of interest to you.
  • You can choose the entities that best suit what you are looking for.

How you could have verified Credit web makes it very easy when looking for financing, saving you the task of analyzing between the different options of the market and offering you comfortably in your email inbox or by phone the options that best suit you.

At Credit web, they will advise you free of charge and without commitment to obtain the best financing solution. From microloans between € 50 and € 600, personal loans between € 600 and € 50,000, credit cards with open credits up to € 10,000 and also with the mortgage.



From Credit web, you will have access to quick microloans, a very useful solution that adapts to any situation. Requesting them is very easy and getting them even more.

You will simply have to complete the required fields and the Credit web team will analyze your case to offer you the best proposals according to your conditions.

Request your microcredit is a couple of steps, choosing quantity and term to return them. You can request from € 50 up to € 600 and you will have the flexibility to return it, from 7 days up to a maximum of 30 days.

Personal loans

Personal loans

Personal loans are one of the most requested financing solutions, and they allow us to obtain higher amounts. In this case, we have different options regarding personal loans, and that is precisely why Credit web will be so useful to us.

Request your loan conveniently through the Internet, safely and easily. As with the microloans, you will have to provide the financial portal with all the information required so that they can analyze your case and offer you the best proposals regarding loans.

For this you will have to choose the amount of money you want to request, the deadline to return it and, in this case, you will also have to indicate the reason why you need the loan.

At Credit web they will allow you to make a personal loan request from a minimum of € 1,000 to a maximum of € 50,000, to be repaid in at least 24 months and up to a maximum of 84 months.

As for the reasons, you can choose between reforms, car, buy house, studies, the reunification of debts, health, travel, motorcycle, celebrations and weddings, instruments and other projects.

They will study your case and offer personal loans to suit you.

Credit cards up to € 10,000

In the market, there are many types of credit cards, and Credit web will help you get those cards that best suit what you need. So for this, you will have to choose the amount and the reason for your request.

As with personal loans, you will have different reasons to select on your credit card application.

In Credit web, you will have the possibility of obtaining cards with a maximum limit of up to € 10,000, although you can get them with a more moderate credit from € 800.

Mortgage simulator

As for mortgages, then at Kreditiweb, you will also find a solution for you. Thanks to the mortgage simulator of this financial portal you can get the advice you need, and without any commitment.

To use the mortgage simulator you will need to provide the following details:

  • Housing prices
  • Input
  • Payment deadline
  • Interest rate (annual)

You can use the simulator to compare the different options for your mortgage and consult all the doubts you have as well as ask for more information.

In short, Credit web is a financial portal that will help you with the mortgage, credit cards, personal loans, and micro-loans. All with the best conditions.