{"id":3531,"date":"2026-02-24T17:50:49","date_gmt":"2026-02-24T15:50:49","guid":{"rendered":"https:\/\/avafines.wpenginepowered.com\/?page_id=3531"},"modified":"2026-07-02T15:16:34","modified_gmt":"2026-07-02T13:16:34","slug":"sense-papers","status":"publish","type":"page","link":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles","title":{"rendered":"Pr\u00e9stecs sense papers en l\u00ednia: r\u00e0pids i 100% digitals"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Hi ha tr\u00e0mits que fa dies: imprimir formularis, buscar l&#039;esc\u00e0ner, anar a l&#039;oficina amb el DNI i esperar. Un <strong>Pr\u00e9stec sense paper<\/strong> funciona duna altra manera. A AvaFin no et demanem que preparis res: ni carpetes, ni fotoc\u00f2pies, ni firmes en paper. <strong>Tot passa online<\/strong>, des de qualsevol dispositiu i en qualsevol moment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Completes el formulari i verifiques la teva identitat de manera segura. Si la teva sol\u00b7licitud \u00e9s aprovada, el contracte arriba al teu correu electr\u00f2nic. <strong>L&#039;import total a tornar<\/strong>, els interessos, TAE i comissions incloses, ho veus abans de confirmar res. Sense lletra petita que desxifrar despr\u00e9s.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>69.000 clients nous el 2025<\/strong><\/th><th><strong>AvaFin forma part de Capitec Bank<\/strong> <\/th><th><strong>Finan\u00e7ament clar i responsable<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Cada dia m\u00e9s persones confien en nosaltres<\/td><td>Solidesa i seguretat a 5 pa\u00efsos<\/td><td>Transpar\u00e8ncia total, sense lletra petita<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container av-image-left\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_son_los_prestamos_sin_papeles\"><\/span><strong><strong><strong>Qu\u00e8 s\u00f3n els pr\u00e9stecs sense paper?<\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">Els pr\u00e9stecs sense papers s\u00f3n <strong>pr\u00e9stecs personals de curta durada.<\/strong> Tot el proc\u00e9s \u00e9s completament digital: sense documentaci\u00f3 f\u00edsica i sense signar contractes en persona.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A AvaFin pots completar tot el proc\u00e9s des del teu ordinador o m\u00f2bil. El temps estimat \u00e9s duns 15 minuts, subjecte a verificaci\u00f3 didentitat i avaluaci\u00f3 individual.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/sin-papeles.jpg\" alt=\"Pr\u00e9stecs sense papers\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n<section id=\"cards-group-block_29ee762801b4735f8d143e4bbae24a37\" class=\"av-cards-group   av-cards-group-3 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>Sense documentaci\u00f3 f\u00edsica \u2014 proc\u00e9s 100% online<\/h3>\n<\/h3>\n                                                <p><p>Sense necessitat d&#039;imprimir documents. Tota la informaci\u00f3 \u00e9s aportada mitjan\u00e7ant formularis digitals i sistemes de verificaci\u00f3 en l\u00ednia. Aix\u00f2 redueix les esperes i garanteix el compliment de la normativa vigent.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-1\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>Identificaci\u00f3 m\u00ednima obligat\u00f2ria<\/h3>\n<\/h3>\n                                                <p><p>Per tramitar la vostra sol\u00b7licitud necessitem verificar la vostra identitat. Els documents v\u00e0lids s\u00f3n:<\/p>\n<ul>\n<li>DNI o NIE.<\/li>\n<li>Compte bancari espanyol al teu nom.<\/li>\n<li>Ingressos regulars.<\/li>\n<li>Targeta de d\u00e8bit o cr\u00e8dit associada.<\/li>\n<\/ul>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>Qui pot sol\u00b7licitar un pr\u00e9stec sense papers?<\/h3>\n<\/h3>\n                                                <p><p>Estan disponibles per a diferents perfils, sempre que superin l&#039;avaluaci\u00f3 individual:<\/p>\n<ul>\n<li>Treballadors amb n\u00f2mina o ingressos regulars demostrables.<\/li>\n<li>Aut\u00f2noms amb activitat acreditable.<\/li>\n<li>Persones amb ingressos per pensi\u00f3 o prestaci\u00f3 social.<\/li>\n<li>Clients recurrents de AvaFin amb bon historial de pagament.<\/li>\n<\/ul>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Condiciones_del_prestamo_sin_papeles\"><\/span><strong><strong>Condicions del pr\u00e9stec sense papers<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tot el que necessites saber<\/strong>, abans que ho preguntis<strong>.<\/strong> El simulador calcula el cost exacte abans que confirmis. El que veus \u00e9s el que pagues.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Condici\u00f3<\/strong><\/th><th><strong>Detall<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Import nous clients<\/td><td>50\u20ac \u2013 300\u20ac.<\/td><\/tr><tr><td>Import clients recurrents<\/td><td>Fins a 2.000 \u20ac (segons historial i scoring).<\/td><\/tr><tr><td>Termini de devoluci\u00f3<\/td><td>7 a 30 dies (a escollir).<\/td><\/tr><tr><td>TIN<\/td><td>231,80 % anual.<\/td><\/tr><tr><td>TAE<\/td><td>734,97 %.<\/td><\/tr><tr><td>Comissi\u00f3 d&#039;obertura<\/td><td>0 \u20ac per avafin.es<\/td><\/tr><tr><td>Ammortitzaci\u00f3 anticipada<\/td><td>Nom\u00e9s pagues els dies utilitzats. Sense penalitzaci\u00f3.<\/td><\/tr><tr><td>Aval<\/td><td>No requerit.<\/td><\/tr><tr><td>N\u00f2mina<\/td><td>No obligat\u00f2ria si acredites altres ingressos regulars.<\/td><\/tr><tr><td>Temps daprovaci\u00f3<\/td><td>Aproximadament 15 minuts.<\/td><\/tr><tr><td>Modalitat<\/td><td>100% en l\u00ednia, sense despla\u00e7aments.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<section id=\"cards-group-block_fe48bfd955b5cb51b1af8386fee5d71f\" class=\"av-cards-group   av-cards-group-1 av-card-group-standard\" style='Ejemplo representativo para primeros clientes'>\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>Exemple representatiu per a primers clients<\/h3>\n<\/h3>\n                                                <p><p><strong>Pr\u00e9stec de 300 \u20ac a 30 dies:<\/strong> interessos 57\u20ac | comissi\u00f3 d&#039;obertura 0\u20ac | TAE 734,97 % | TIN 231,80 %<\/p>\n<p><strong>Total a tornar: 357 \u20ac <\/strong>Fes servir el simulador a avafin.es per calcular el teu cas concret.<\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Calcula_tu_prestamo_sin_papeles_ahora_sin_compromiso\"><\/span><strong>Calcula el teu pr\u00e9stec sense papers ara, sense cap comprom\u00eds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n        <div class=\"av-slider-container av-slider-behaviour-es av-slider-type-type_seo loan-slider payday\">\n            \n            <section id=\"loan-slider-block_ff00f63391a80ce40eccc95ef2c988d1\" class=\"av-slider av-slider-type-type_seo\">\n                <div class='av-slider-inner' data-slide-product-type='1' data-is-delayed='false' >\n                                        <div class=\"av-main av-last-box-not-empty\">\n                                                <!-- SCROLLER AMOUNT -->\n                                <div class=\"av-box av-first-box amount-slider\">\n            <div class=\"av-box-info\">\n                <p>Quant necessites?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"dash-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M2 8C2 7.72386 2.22386 7.5 2.5 7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H2.5C2.22386 8.5 2 8.27614 2 8Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"amount-display\"><\/span>&nbsp;<span>\u20ac<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"plus-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8 2C8.27614 2 8.5 2.22386 8.5 2.5V7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H8.5V13.5C8.5 13.7761 8.27614 14 8 14C7.72386 14 7.5 13.7761 7.5 13.5V8.5H2.5C2.22386 8.5 2 8.27614 2 8C2 7.72386 2.22386 7.5 2.5 7.5H7.5V2.5C7.5 2.22386 7.72386 2 8 2Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n                <span>\n                                        <span class=\"max-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n                                <!-- SCROLLER TERM -->\n                                <div class=\"av-box term-slider\">\n            <div class=\"av-box-info\">\n                <p>Quants dies vols tornar-ho?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"dash-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M2 8C2 7.72386 2.22386 7.5 2.5 7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H2.5C2.22386 8.5 2 8.27614 2 8Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"term-display\"><\/span>&nbsp;<span>&nbsp;dies<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"plus-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8 2C8.27614 2 8.5 2.22386 8.5 2.5V7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H8.5V13.5C8.5 13.7761 8.27614 14 8 14C7.72386 14 7.5 13.7761 7.5 13.5V8.5H2.5C2.22386 8.5 2 8.27614 2 8C2 7.72386 2.22386 7.5 2.5 7.5H7.5V2.5C7.5 2.22386 7.72386 2 8 2Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-term\"><\/span>\n                    &nbsp;dies                <\/span>\n                <span>\n                                        <span class=\"max-term\"><\/span>\n                    &nbsp;dies                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n        \n                        <!-- LAST BOX CTA -->\n                                <div class=\"av-box av-last-box\">\n                                    <div class=\"av-cta-container-outer\">\n                                                <div class=\"av-cta-container\">\n                                                                                <a href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" \n                        data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\"    \n                        class=\"av-loan-cta\">\n                        Sol\u00b7licitar pr\u00e9stec.                    <\/a><!-- a.av-loan-cta -->\n\n                                                                <a href=\"https:\/\/portal.avafin.es\/wp-login\" \n                            data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" class=\"av-loan-login-cta\">\n                            \u00c0rea de Clients                        <\/a><!-- a.av-loan-login-cta -->\n                                    <\/div><!-- div.av-cta-container -->\n            <\/div><!-- div.av-cta-container-outer -->\n        <\/div>\n\n                                                        \n                    <\/div><!-- div.av-main  -->\n\n                                    <div class=\"av-term-container\">\n                    <div class=\"slider-terms\">\n            <ul>\n                                    <li class=\"total-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Total a pagar<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-total\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"total\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"amount-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Import<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-amount\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"amount\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"duedate-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Data de venciment<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-duedate\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"duedate\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"loan-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Inter\u00e8s<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-loan-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"loan-fee\" data-prices-id='loan-fees' data-prices-original-id='loan-original-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"no-display-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\"><\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-no-display\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"no-display\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"preparation-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Comissi\u00f3 d&#039;obertura<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-preparation-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"preparation-fee\" data-prices-id='loan-preparation-fees' data-prices-original-id='loan-original-preparation-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                            <\/ul>\n        <\/div><!-- div.slider-terms -->\n                            <div class=\"av-disclaimer\">\n                        <form method=\"post\" id=\"promocode-form\" action=\"\">\n                <div class=\"promocode-container\">\n                    <label for=\"promocode\" class=\"promocode-title\">Codi Promocional<\/label>\n                    <div class=\"promocode-wrapper\">\n                        <input type=\"text\" id=\"promocode\" name=\"promocode\" value=\"\" maxlength=\"20\" title=\"Codi Promocional\">\n                        <button type=\"submit\" id=\"apply_promotion\" name=\"apply_promotion\" value=\"apply_promotion\">\n                        Confirma                        <\/button>\n                    <\/div>\n                <\/div>\n            <input type=\"hidden\" name=\"trp-form-language\" value=\"ca\"\/><\/form>\n                                    <div class=\"av-disclaimer-content\">\n                                    <\/div>\n                        <div class=\"av-modal-container\">\n                                            <button type=\"button\" class='av-modal-links have-dynamic-template' data-template-url='https:\/\/portal.avafin.es\/cf-document\/content?documentType=backend_template&#038;id=eu-form&#038;format=js' data-is-contract='1' data-modal-id='eu-info' >\n                                                                <span>Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                            <\/button>\n                                        <\/div><!-- div.av-modal-container -->\n                    <\/div><!-- div.av-disclaimer -->\n\n                <\/div><!-- div.av-term-container -->\n        \n                                                <div class=\"slider-modal-wrap eu-info_wrap\"  data-modal-id=\"eu-info\">\n                        <div class=\"slider-modal modal-content eu-info\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                                            <\/div><!-- .slider-modal-content -->\n                                                            <div class=\"av-modal-download-container\">\n                                    <a href=\"https:\/\/portal.avafin.es\/api\/template\/dynamicPdf?id=39754&#038;templateVariables=x \" class='btn btn-basic btn-md' download=\"\">Descarregar<\/a>\n                                <\/div>\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                <div class=\"slider-modal-wrap login-reminder_wrap\"  data-modal-id=\"login-reminder\">\n                        <div class=\"slider-modal modal-content login-reminder\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">\u00c9s el nostre client?<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                <p style=\"font-size: 16px;\"> Si ja ets client, inicia sessi\u00f3 amb el teu usuari i contrasenya:<\/p><div class=\"text-center av-modal-btn-container btn-container\">\n                <a class=\"btn btn-cta btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" href=\"https:\/\/portal.avafin.es\/wp-login\">Inicia Sessi\u00f3<\/a><a class=\"btn btn-basic btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\">Registra&#039;t<\/a><\/div><!-- .av-modal-btn-container.btn-container -->                            <\/div><!-- .slider-modal-content -->\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                \n\n\n                <\/div><!-- div.loan-slider -->\n            <\/section> <!-- section.av-slider -->\n\n        <\/div><!-- .av-slider-container -->\n        \n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_pedir_tu_prestamo_sin_papeles_3_pasos\"><\/span><strong>Com demanar el teu pr\u00e9stec sense papers: 3 passes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El proc\u00e9s est\u00e0 dissenyat per ser el m\u00e9s senzill i r\u00e0pid possible. A continuaci\u00f3, t&#039;expliquem cada pas:<\/p>\n\n\n\n<figure class=\"wp-block-image alignfull size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/prestamo-sin-papeles-avafin-1.webp\" alt=\"\" class=\"wp-image-10599\" srcset=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/prestamo-sin-papeles-avafin-1.webp 800w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/prestamo-sin-papeles-avafin-1-300x169.webp 300w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/prestamo-sin-papeles-avafin-1-768x432.webp 768w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/prestamo-sin-papeles-avafin-1-18x10.webp 18w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/prestamo-sin-papeles-avafin-1-500x281.webp 500w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Paso_1_%E2%80%94_Elige_importe_y_plazo_sin_registrarte_todavia\"><\/span>Pas 1 \u2014 Tria import i termini, sense registrar-te encara<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fes servir la calculadora del simulador i veu el <strong>cost total abans de comprometre&#039;t amb res<\/strong>. No cal crear un compte per veure quant pagaries. Nom\u00e9s quan decideixis continuar comences el proc\u00e9s. No us demanem que prepareu cap document per a aquest pas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Paso_2_%E2%80%94_Rellena_el_formulario_y_verifica_tu_identidad_online\"><\/span>Pas 2 \u2014 Omple el formulari i verifica la teva identitat online<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Introdueix les teves dades personals, de feina i d&#039;habitatge, accepta les condicions digitalment, <strong>sense signatura en paper,<\/strong> i connecta el teu compte bancari a trav\u00e9s del nostre sistema de verificaci\u00f3 segur. <strong>No envies cap fitxer<\/strong>, no escanejes res, no envies res per email ni per correu postal. La verificaci\u00f3 d&#039;identitat es fa mitjan\u00e7ant la banca en l\u00ednia i \u00e9s autom\u00e0tica. Tingues a m\u00e0 el n\u00famero de compte on vols rebre els diners. I recorda: <strong>mai demanem diners per avan\u00e7at<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Paso_3_%E2%80%94_Respuesta_en_minutos_y_contrato_en_tu_email\"><\/span>Pas 3 \u2014 Resposta en minuts i contracte al teu email<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Et confirmem la decisi\u00f3 per SMS i email. Els contractes arriben a la safata d&#039;entrada. La transfer\u00e8ncia surt de forma immediata des de AvaFin; la disponibilitat real dels diners dep\u00e8n del teu banc i pot trigar entre 24 i 48 hores h\u00e0bils.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consell: sol\u00b7licita nom\u00e9s el que necessites i tingues clara la data de devoluci\u00f3 abans de confirmar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si en algun moment del proc\u00e9s tens dubtes, truca&#039;ns: 900 533 518 (L\u2013V, 9:00\u201319:00).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Solicita_tu_prestamo_sin_papeles\"><\/span><strong>Demana el teu pr\u00e9stec sense papers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Comprova que senzill \u00e9s tenir un pr\u00e9stec<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_de_pedir_un_prestamo_sin_papeles_con_AvaFin\"><\/span><strong>Avantatges de demanar un pr\u00e9stec sense papers amb AvaFin<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image alignfull size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/avafin_prestamo_sin_papeles.webp\" alt=\"\" class=\"wp-image-10585\" srcset=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/avafin_prestamo_sin_papeles.webp 800w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/avafin_prestamo_sin_papeles-300x169.webp 300w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/avafin_prestamo_sin_papeles-768x432.webp 768w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/avafin_prestamo_sin_papeles-18x10.webp 18w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/avafin_prestamo_sin_papeles-500x281.webp 500w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n<section id=\"cards-group-block_3b591a4d6e51844ec4fba42d18ccf45c\" class=\"av-cards-group   av-cards-group-5 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>Zero burocr\u00e0cia \u2014 ni imprimir, ni escanejar, ni enviar<\/h3>\n<\/h3>\n                                                <p><p>Oblideu-vos de cercar l&#039;esc\u00e0ner o de trobar una impressora. Tot el proc\u00e9s es gestiona amb les dades que introdueixes al formulari i amb la verificaci\u00f3 banc\u00e0ria online. \u00c9s l&#039;avantatge que d\u00f3na nom al producte: <strong>sense papers<\/strong> de deb\u00f2.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-1\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>Cost visible abans de confirmar<\/h3>\n<\/h3>\n                                                <p><p>El simulador mostra l&#039;import total a tornar, els interessos i les comissions abans que no acceptis res. El que apareix a la pantalla \u00e9s exactament el que pagar\u00e0s. Sense revisions posteriors de la lletra petita.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>Sense n\u00f2mina ni aval<\/h3>\n<\/h3>\n                                                <p><p>No cal contracte indefinit ni avalador. Valorem ingressos regulars de qualsevol mena: n\u00f2mina, pensi\u00f3, prestaci\u00f3 o activitat aut\u00f2noma. L?\u00fanic requisit \u00e9s que siguin demostrables.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-3\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>\/Imports creixents per a clients habituals<\/h3>\n<\/h3>\n                                                <p><p>A partir del segon pr\u00e9stec, l&#039;import disponible pot augmentar progressivament fins <strong>2.000 \u20ac<\/strong>, en funci\u00f3 del teu historial de pagaments amb AvaFin, sempre subjecte a avaluaci\u00f3 individual.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-4\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><h3>Disponible 24\/7 des de qualsevol dispositiu<\/h3>\n<\/h3>\n                                                <p><p>No hi ha horari d\u00b4oficina ni cua d\u00b4espera. Podeu iniciar la sol\u00b7licitud a les 11 de la nit des del m\u00f2bil o un dissabte des de l&#039;ordinador. El proc\u00e9s funciona en qualsevol moment.<\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requisitos_para_pedir_tu_prestamo_sin_papeles\"><\/span><strong>Requisits per demanar el teu pr\u00e9stec sense papers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aquests s\u00f3n els requisits per sol\u00b7licitar el pr\u00e9stec sense papers. No necessites sortir de cap fitxer ni presentar garanties addicionals:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Requisits personals<\/strong><\/th><th><strong>Requisits econ\u00f2mics<\/strong><\/th><\/tr><\/thead><tbody><tr><td>\u2713 Major d&#039;edat (18+).<br>\u2713 DNI o NIE en vigor.<br>\u2713 Resident legalment a Espanya.<\/td><td>\u2713 Compte bancari espanyol al teu nom.<br>\u2713 Targeta de d\u00e8bit associada.<br>\u2713 Ingressos regulars demostrables (n\u00f2mina, pensi\u00f3, aut\u00f2nom\u2026).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"%C2%BFEs_seguro_gestionar_todo_online\"><\/span><strong><strong><strong><strong>\u00c9s segur gestionar tot en l\u00ednia?<\/strong><\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">S\u00ed. El fet que no hi hagi paper no vol dir que hi hagi menys garanties; vol dir que les garanties s\u00f3n digitals. AvaFin opera sota la normativa espanyola de cr\u00e8dit al consum, \u00e9s membre de la <strong>Associaci\u00f3 Espanyola de Micropr\u00e9stecs (AEMIP)<\/strong> i s&#039;adhereix al seu <a href=\"https:\/\/aemip.es\/aemip\/codigo-de-buenas-practicas\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Codi de Bones Pr\u00e0ctiques<\/strong><\/a>.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/prestamo-sin-papeles.jpg\" alt=\"Pr\u00e9stecs sense papers\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">El proc\u00e9s inclou:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verificaci\u00f3 didentitat mitjan\u00e7ant sistemes xifrats i assegurances.<\/li>\n\n\n\n<li>Contracte digital amb la mateixa validesa legal que un en paper, enviat al teu correu electr\u00f2nic.<\/li>\n\n\n\n<li>Informaci\u00f3 precontractual completa abans d&#039;acceptar qualsevol condici\u00f3.<\/li>\n\n\n\n<li>\u00c0rea de client per consultar l&#039;estat del pr\u00e9stec en tot moment.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.avafin.es\/ca\/politica-de-privadesa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Protecci\u00f3 de dades conforme al RGPD.<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Por_que_AvaFin_para_un_prestamo_sin_papeles\"><\/span><strong>Per qu\u00e8 AvaFin per a un pr\u00e9stec sense papers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha molts llocs on demanar un <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/rapids\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs r\u00e0pids en l\u00ednia<\/a>, per\u00f2 no tots estan dissenyats perqu\u00e8 el proc\u00e9s sigui realment sense documentaci\u00f3. Aix\u00f2 \u00e9s el que ens diferencia:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Proc\u00e9s genu\u00efnament sense paper: <\/strong>No demanem que adjuntis arxius, que escanejis documents ni que signis res a m\u00e0. Tot passa dins de la plataforma. Dissenyem el proc\u00e9s perqu\u00e8 sigui el m\u00e9s simple possible, no perqu\u00e8 sembli simple.<\/li>\n\n\n\n<li><strong>Resposta en minuts, no en dies: <\/strong>El nostre sistema d&#039;avaluaci\u00f3 analitza la vostra sol\u00b7licitud en temps real. No hi ha una persona que revisi manualment cada cas l&#039;endem\u00e0. Saps si la teva sol\u00b7licitud ha estat aprovada abans d&#039;aixecar-te del sof\u00e0.<\/li>\n\n\n\n<li><strong>Contracte digital amb validesa legal plena: <\/strong>El document que reps per correu electr\u00f2nic t\u00e9 exactament la mateixa validesa jur\u00eddica que un signat en paper. El podeu desar, imprimir si voleu, o consultar-lo des de la vostra \u00e0rea de client quan necessiteu.<\/li>\n\n\n\n<li><strong>Solidesa del grup Capitec Bank: <\/strong>AvaFin no \u00e9s una plataforma sense respatller. Formem part de <a href=\"https:\/\/www.avafin.es\/ca\/som-part-de-capitec-bank\/\" target=\"_blank\" rel=\"noreferrer noopener\">Capitec Bank<\/a>, amb operacions a 5 pa\u00efsos i auditories al m\u00e9s alt nivell. Els teus diners i dades estan en mans d&#039;una entitat amb historial provat.<\/li>\n\n\n\n<li><strong>Avaluaci\u00f3 individual, no rebuig autom\u00e0tic: <\/strong>No hi ha un algorisme que digui s\u00ed o no segons un \u00fanic criteri. Analitzem la teva situaci\u00f3 concreta per assegurar-nos que el pr\u00e9stec \u00e9s adequat per a tu. Si no ho \u00e9s, t&#039;ho diem clarament.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_prestamos_sin_papeles\"><\/span><strong>Preguntes freq\u00fcents<\/strong> sobre pr\u00e9stecs sense papers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1779359673427\"><strong class=\"schema-faq-question\"><strong>S\u00f3n legals els pr\u00e9stecs sense papers?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed. AvaFin opera sota la normativa espanyola de cr\u00e8dit al consum i forma part de Capitec Bank. Realitzem verificaci\u00f3 d&#039;identitat i avaluaci\u00f3 responsable a cada sol\u00b7licitud. Si vols m\u00e9s informaci\u00f3, consulta la nostra secci\u00f3 de <a href=\"https:\/\/www.avafin.es\/ca\/transparencia-prestem-responsables\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>transpar\u00e8ncia<\/strong><\/a>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359684774\"><strong class=\"schema-faq-question\"><strong>Puc sol\u00b7licitar-ho sense un full de salari?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed. No exigim n\u00f2mina tradicional. Valorem qualsevol ingr\u00e9s regular demostrable: pensi\u00f3, prestaci\u00f3 per desocupaci\u00f3, activitat com a aut\u00f2nom o qualsevol altre ingr\u00e9s recurrent acreditable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359696895\"><strong class=\"schema-faq-question\"><strong>En quant de temps rebo els diners?<\/strong><\/strong> <p class=\"schema-faq-answer\">El proc\u00e9s complet dura aproximadament 15 minuts. La transfer\u00e8ncia es fa de manera \u00e0gil despr\u00e9s de l&#039;aprovaci\u00f3. A la majoria de les entitats els diners arriben en minuts; en algunes pot trigar entre 24 a 48 hores h\u00e0bils.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359709944\"><strong class=\"schema-faq-question\"><strong>Quant puc sol\u00b7licitar a la meva primera sol\u00b7licitud?<\/strong><\/strong> <p class=\"schema-faq-answer\">Per a nous clients l&#039;import habitual \u00e9s de fins a 300\u20ac. Amb bon historial de pagament pots anar accedint progressivament a imports m\u00e9s grans, fins a un m\u00e0xim comunicable de 2.000 \u20ac, sempre subjecte a avaluaci\u00f3 individual.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359722271\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si no puc tornar a temps?<\/strong><\/strong> <p class=\"schema-faq-answer\">El m\u00e9s important \u00e9s que ens contactis abans del venciment. Tenim opcions d\u201fextensi\u00f3 del termini (fins a 30 dies addicionals, amb un cost associat). No avisar-nos comporta interessos de demora i inclusi\u00f3 en fitxers de morositat. Estem disponibles de L-V de 9:00 a 19:00 al 900 533 518.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359734523\"><strong class=\"schema-faq-question\"><strong>Puc tornar abans del termini?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed, i nom\u00e9s pagar\u00e0s els interessos generats fins a la data de devoluci\u00f3. No apliquem penalitzacions per amortitzaci\u00f3 anticipada.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359745339\"><strong class=\"schema-faq-question\"><strong>\u00c9s segur compartir les meves dades banc\u00e0ries?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed. La connexi\u00f3 banc\u00e0ria es fa a trav\u00e9s de sistemes de verificaci\u00f3 en l\u00ednia xifrats, conformes al RGPD. Les vostres dades no es comparteixen amb tercers sense el vostre consentiment.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359756522\"><strong class=\"schema-faq-question\"><strong>Necessito aval o garanties?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. No sol\u00b7licitem avals ni garanties addicionals. Nom\u00e9s necessites DNI\/NIE, compte bancari espanyol i demostrar ingressos regulars.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359768330\"><strong class=\"schema-faq-question\"><strong>Puc demanar-ho si s\u00f3c a ASNEF?<\/strong><\/strong> <p class=\"schema-faq-answer\">A AvaFin estudiem cada cas de forma individual. Apar\u00e8ixer a ASNEF no suposa un rebuig autom\u00e0tic: valorem el tipus de deute, el seu import i la teva situaci\u00f3 econ\u00f2mica actual. Consulta la nostra p\u00e0gina de pr\u00e9stecs amb ASNEF per a m\u00e9s informaci\u00f3.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779359778363\"><strong class=\"schema-faq-question\"><strong>Apareix en el meu historial si em denegueu?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Les consultes que realitzem durant l&#039;estudi de la sol\u00b7licitud no afecten la teva puntuaci\u00f3 credit\u00edcia ni queden registrades com a impagament si no es formalitza el pr\u00e9stec.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tria l&#039;import, revisa el que pagar\u00e0s al simulador i confirma la sol\u00b7licitud en pocs minuts. El contracte arriba al teu email. <strong>Sense paper. Sense oficina. Sense esperes.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center header-full-dots\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_un_Prestamos_sin_Papeles\"><\/span><span>Necessites un Pr\u00e9stecs sense Papers?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Pr\u00e9stecs en l\u00ednia sense paper amb avaluaci\u00f3 individual i proc\u00e9s 100% digital. Consulteu els requisits i les condicions abans de sol\u00b7licitar-los.<\/p>","protected":false},"author":19,"featured_media":0,"parent":3527,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3531","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00e9stamos sin papeles: sin tr\u00e1mites complicados 2026 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Prestamos sin papeles online con evaluaci\u00f3n individual y proceso 100% digital. 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AvaFin opera bajo la normativa espa\u00f1ola de cr\u00e9dito al consumo y forma parte de Capitec Bank. Realizamos verificaci\u00f3n de identidad y evaluaci\u00f3n responsable en cada solicitud. Si quieres m\u00e1s informaci\u00f3n, consulta nuestra secci\u00f3n de <a href=\\\"https:\\\/\\\/www.avafin.es\\\/transparencia-prestamos-responsables\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\"><strong>transparencia<\\\/strong><\\\/a>.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/sin-papeles#faq-question-1779359684774\",\"position\":2,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/sin-papeles#faq-question-1779359684774\",\"name\":\"\u00bfPuedo pedirlo sin n\u00f3mina?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00ed. No exigimos n\u00f3mina tradicional. Valoramos cualquier ingreso regular demostrable: pensi\u00f3n, prestaci\u00f3n por desempleo, actividad como aut\u00f3nomo o cualquier otro ingreso recurrente acreditable.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/sin-papeles#faq-question-1779359696895\",\"position\":3,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/sin-papeles#faq-question-1779359696895\",\"name\":\"\u00bfEn cu\u00e1nto tiempo recibo el dinero?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"El proceso completo dura aproximadamente 15 minutos. La transferencia se realiza de forma \u00e1gil tras la aprobaci\u00f3n. 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Con buen historial de pago puedes ir accediendo progresivamente a importes mayores, hasta un m\u00e1ximo comunicable de 2.000 \u20ac, siempre sujeto a evaluaci\u00f3n individual.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/sin-papeles#faq-question-1779359722271\",\"position\":5,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/sin-papeles#faq-question-1779359722271\",\"name\":\"\u00bfQu\u00e9 pasa si no puedo devolver a tiempo?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Lo m\u00e1s importante es que nos contactes antes del vencimiento. Tenemos opciones de extensi\u00f3n del plazo (hasta 30 d\u00edas adicionales, con un coste asociado). No avisarnos conlleva intereses de demora e inclusi\u00f3n en ficheros de morosidad. 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Consulteu els requisits i les condicions abans de sol\u00b7licitar-los.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.avafin.es\/ca\/prestem\/sense-papers","og_locale":"ca_ES","og_type":"article","og_title":"Pr\u00e9stamos sin papeles: sin tr\u00e1mites complicados 2026 | AvaFin Espa\u00f1a","og_description":"Prestamos sin papeles online con evaluaci\u00f3n individual y proceso 100% digital. 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AvaFin opera bajo la normativa espa\u00f1ola de cr\u00e9dito al consumo y forma parte de Capitec Bank. Realizamos verificaci\u00f3n de identidad y evaluaci\u00f3n responsable en cada solicitud. Si quieres m\u00e1s informaci\u00f3n, consulta nuestra secci\u00f3n de <a href=\"https:\/\/www.avafin.es\/transparencia-prestamos-responsables\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>transparencia<\/strong><\/a>.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359684774","position":2,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359684774","name":"Puc sol\u00b7licitar-ho sense un full de salari?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ed. No exigimos n\u00f3mina tradicional. Valoramos cualquier ingreso regular demostrable: pensi\u00f3n, prestaci\u00f3n por desempleo, actividad como aut\u00f3nomo o cualquier otro ingreso recurrente acreditable.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359696895","position":3,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359696895","name":"En quant de temps rebo els diners?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"El proceso completo dura aproximadamente 15 minutos. La transferencia se realiza de forma \u00e1gil tras la aprobaci\u00f3n. En la mayor\u00eda de las entidades el dinero llega en minutos; en algunas puede tardar entre 24 a 48 horas h\u00e1biles.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359709944","position":4,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359709944","name":"Quant puc sol\u00b7licitar a la meva primera sol\u00b7licitud?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Para nuevos clientes el importe habitual es de hasta 300 \u20ac. Con buen historial de pago puedes ir accediendo progresivamente a importes mayores, hasta un m\u00e1ximo comunicable de 2.000 \u20ac, siempre sujeto a evaluaci\u00f3n individual.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359722271","position":5,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359722271","name":"Qu\u00e8 passa si no puc tornar a temps?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Lo m\u00e1s importante es que nos contactes antes del vencimiento. Tenemos opciones de extensi\u00f3n del plazo (hasta 30 d\u00edas adicionales, con un coste asociado). No avisarnos conlleva intereses de demora e inclusi\u00f3n en ficheros de morosidad. Estamos disponibles de L\u2013V de 9:00 a 19:00 en el 900 533 518.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359734523","position":6,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359734523","name":"Puc tornar abans del termini?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ed, y solo pagar\u00e1s los intereses generados hasta la fecha de devoluci\u00f3n. No aplicamos penalizaciones por amortizaci\u00f3n anticipada.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359745339","position":7,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359745339","name":"\u00c9s segur compartir les meves dades banc\u00e0ries?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ed. La conexi\u00f3n bancaria se realiza a trav\u00e9s de sistemas de verificaci\u00f3n en l\u00ednea cifrados, conformes al RGPD. Tus datos no se comparten con terceros sin tu consentimiento.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359756522","position":8,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359756522","name":"Necessito aval o garanties?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. No solicitamos avales ni garant\u00edas adicionales. Solo necesitas DNI\/NIE, cuenta bancaria espa\u00f1ola y demostrar ingresos regulares.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359768330","position":9,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359768330","name":"Puc demanar-ho si s\u00f3c a ASNEF?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"En AvaFin estudiamos cada caso de forma individual. Aparecer en ASNEF no supone un rechazo autom\u00e1tico: valoramos el tipo de deuda, su importe y tu situaci\u00f3n econ\u00f3mica actual. Consulta nuestra p\u00e1gina de pr\u00e9stamos con ASNEF para m\u00e1s informaci\u00f3n.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359778363","position":10,"url":"https:\/\/www.avafin.es\/ca\/prestamos\/sin-papeles#faq-question-1779359778363","name":"Apareix en el meu historial si em denegueu?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Las consultas que realizamos durante el estudio de la solicitud no afectan a tu puntuaci\u00f3n crediticia ni quedan registradas como impago si no se formaliza el pr\u00e9stamo.","inLanguage":"ca"},"inLanguage":"ca"}]}},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/pages\/3531","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=3531"}],"version-history":[{"count":0,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/pages\/3531\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/pages\/3527"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=3531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}