Dineo Credito

Last Updated: 21.12.2018. Date when the basic information was updated
Dineo Credito
Loans Originated Total volume of loans issued by this company to borrowers since its founding.
€ 291.8 M
Loan portfolio Loans issued by the lending company to borrowers at the time of the most recent financial statement that are current or less than 60 days late.
€ 6.4 M
Buyback obligation A credit enhancement given by the lending company or other entity to the Issuer for a particular Set of Notes. If an underlying loan is more than 60 days late, the lending company is obligated to buy back the investment at nominal value plus accrued, outstanding or late interest. Usually, this means investors will be able to recover their investment in case of a borrower default.
With a buyback obligation
Skin in the Game To ensure the interests of a lending company and investors are aligned, the company is required to keep a stake of each investment opportunity it offers through Mintos. This is called the company's skin in the game.
Average Interest % The weighted average interest rate of investment opportunities from this lending company.
Joined Mintos:
Dec 2018
Loan Types: The type of loan the company has issued to borrowers.
Short-term loan Pledge type group payday
Countries: Countries in which the loans were issued by the lending company.
Currencies: Currencies in which investment opportunities from the company are offered.
Effective APR charged to borrowers: APR is not always the most representative measure of the cost of borrowing, therefore, Mintos shows effective APR. This is a unified measure among all loan originators on the platform. To calculate the effective APR, the methodology called XIRR (extended internal rate of return) is used, which is further adjusted to exclude compounding effects. Effective APR is calculated based on the cash flows charged to the borrower which includes principal, interest and any fees charged on a single loan basis, whether they are compulsory or not or are charged by a third party.
Outstanding investments: Total volume of outstanding and available investments from this company on Mintos. Updated daily.
3 073 550
Schedule extension: During the first 30 days after the due date of a loan payment, the borrower can opt for extending the loan payment schedule. The maximum number of extensions depends on the loan agreement and can't be more than 6. If the lending company agrees, the loan will be automatically updated, with the new schedule, and the due dates for all outstanding payments will be extended by up to 31 days. Investors will continue to earn the same interest throughout the remaining loan term.
Up to 6


Dineo is a business that issues loans exclusively with Spanish capital. Since its inception, Dineo has achieved a permanent increase in the number of new customers and stable portfolio growth. Dineo is operating online via www.dineo.es and through its physical points throughout Spain, where loans can be granted and paid instantly if the clients meet all the necessary requirements.

Dineo makes strict controls to guarantee its solvency. The company is doing check-ups every time a client performs a new operation to ensure that the situation remains optimal.

Dineo believes their physical presence is one of their strengths, as the process is client-friendly, brings transparency to the transactions and adds to the customer’s satisfaction.

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Last Updated: 21.12.2018