{"id":7073,"date":"2018-03-23T13:12:56","date_gmt":"2018-03-23T12:12:56","guid":{"rendered":"http:\/\/ec2-52-31-25-226.eu-west-1.compute.amazonaws.com\/?p=7073"},"modified":"2018-03-23T13:12:56","modified_gmt":"2018-03-23T12:12:56","slug":"prestamos-personales-y-tarjetas-de-credito","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/prestamos-personales-y-tarjetas-de-credito\/","title":{"rendered":"Diferencias entre pr\u00e9stamos personales y tarjetas de cr\u00e9dito"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">En la actualidad, muchas de las personas que buscan financiaci\u00f3n no conocen exactamente\u00a0en qu\u00e9 caracter\u00edsticas deben fijarse en el proceso, c\u00f3mo qu\u00e9 opci\u00f3n le supondr\u00e1 un menor coste para sus bolsillos o cu\u00e1l ofrece una mayor comodidad.\u00a0<\/span><strong>Es aqu\u00ed donde entran en juego los pr\u00e9stamos y los\u00a0cr\u00e9ditos.\u00a0<\/strong><\/p>\n<p><!--more--><\/p>\n<p>No obstante, no todo el mundo sabe d\u00f3nde reside la diferencia entre un pr\u00e9stamo y un cr\u00e9dito. Es por ello que, desde <a href=\"https:\/\/go.onelink.me\/4dGw\/9c41141b\\\">Fintonic<\/a>, os ense\u00f1amos las caracter\u00edsticas y diferencias entre ambas opciones.<\/p>\n<h2>\u00bfC\u00f3mo funcionan las tarjetas de cr\u00e9dito?<\/h2>\n<p><span style=\"font-weight: 400;\">Las<\/span><b> tarjetas de cr\u00e9dito facilitan cantidades de dinero menores<\/b><span style=\"font-weight: 400;\">, es decir, se tiene disponible cierta cantidad de efectivo, hasta un l\u00edmite m\u00e1ximo. Este m\u00e1ximo no es necesario que se gaste, pero s\u00ed que se puede disponer de \u00e9l, si as\u00ed se decide. Durante un tiempo establecido -que suele durar aproximadamente un mes-, se puede disponer de ese dinero parcialmente o en su totalidad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El uso de las tarjetas de cr\u00e9dito suele estar asociado a <strong>la <\/strong><\/span><strong>acumulaci\u00f3n de operaciones<\/strong><span style=\"font-weight: 400;\"><strong>. <\/strong>Una vez que finaliza este ciclo de un mes, se cargar\u00e1 una cuota que refleje las transacciones hasta la fecha. Si estas cantidades no se abonan en el momento, el banco puede cobrar una serie de intereses como la tasa anual equivalente, popularmente conocida como TAE.<\/span><\/p>\n<p><a href=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2018\/03\/credit-card-1730085_1280.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-7074\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2018\/03\/credit-card-1730085_1280.jpg\" alt=\"\" width=\"1280\" height=\"853\" \/><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">\u00bfC\u00f3mo funcionan los pr\u00e9stamos personales?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Los <\/span>pr\u00e9stamos personales<span style=\"font-weight: 400;\"> cubren una necesidad concreta en el demandante, por ejemplo, se suelen solicitar para realizar <strong>compras determinadas (consumo), reformas en el hogar o, para <\/strong><\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/blog.fintonic.com\/como-reunificar-tus-deudas-con-un-solo-prestamo\"><strong>reunificar deudas<\/strong><\/a>.\u00a0<\/span><span style=\"font-weight: 400;\">Una vez que se ha establecido el importe, se acuerda un plazo m\u00e1ximo para su devoluci\u00f3n, siendo esta cuota totalmente flexible al demandante, lo que le reporta grandes comodidades a la hora de abonar el dinero prestado.<\/span><\/p>\n<p style=\"padding-left: 30px;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2017\/04\/rosquilla-bullet.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-5115\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2017\/04\/rosquilla-bullet.png\" alt=\"\" width=\"13\" height=\"12\" \/><\/a>\u00a0Los pr\u00e9stamos suelen ser <\/span>cantidades mayores<span style=\"font-weight: 400;\"> de dinero que se facilitan \u00edntegramente en el momento de la contrataci\u00f3n del servicio. Por ejemplo, <a href=\"https:\/\/go.onelink.me\/4dGw\/9c41141b\\\">Fintonic<\/a>\u00a0conseguimos\u00a0pr\u00e9stamos a\u00a0nuestros usuarios de hasta 30.000\u20ac, actualmente. A diferencia de las tarjetas de cr\u00e9dito que son cantidades menores de las que se puede disponer durante el mes, o tiempo establecido con la entidad.<\/span><\/p>\n<p style=\"padding-left: 30px;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2017\/04\/rosquilla-bullet.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-5115\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2017\/04\/rosquilla-bullet.png\" alt=\"\" width=\"13\" height=\"12\" \/><\/a>\u00a0En los pr\u00e9stamos el <\/span><b>plazo<\/b><span style=\"font-weight: 400;\"> siempre el mismo, mientras que en las tarjetas de cr\u00e9dito este importe variar\u00e1 en funci\u00f3n de las transacciones que se realicen durante el tiempo estimado. A modo de ejemplo, los pr\u00e9stamos que puedes\u00a0conseguir a trav\u00e9s de tu app de Fintonic tienen un plazo de hasta 72 meses.<\/span><\/p>\n<p style=\"padding-left: 30px;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2017\/04\/rosquilla-bullet.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-5115\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2017\/04\/rosquilla-bullet.png\" alt=\"\" width=\"13\" height=\"12\" \/><\/a>\u00a0Adem\u00e1s, en los pr\u00e9stamos los intereses totales quedan preestablecidos y por lo tanto son invariables desde el acto contractual.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Una vez que ya conoces todo esta informaci\u00f3n, si despu\u00e9s de esto sigues buscando financiaci\u00f3n, no te preocupes, porque desde <a href=\"https:\/\/go.onelink.me\/4dGw\/9c41141b\\\">Fintonic<\/a> puedes conseguir asesoramiento y tu\u00a0<a href=\"https:\/\/www.fintonic.com\/es-ES\/prestamos\/\">pr\u00e9stamo personal\u00a0<\/a>a trav\u00e9s de la app o directamente a trav\u00e9s de nuestra <a href=\"https:\/\/www.fintonic.com\/prestamos\/\">nueva p\u00e1gina web.<\/a><\/span><\/p>\n<p><a href=\"https:\/\/go.onelink.me\/4dGw\/9c41141b\"><img decoding=\"async\" class=\"alignnone wp-image-9496 size-full\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2019\/02\/Descargate-la-app-.png\" alt=\"\" width=\"1278\" height=\"500\" \/><\/a><a href=\"https:\/\/www.fintonic.com\/prestamos\/&amp;utm_source=MC&amp;utm_medium=email&amp;utm_campaign=prestamosweb1\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-9500\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2019\/02\/Fintonic-Prestamos-1.png\" alt=\"\" width=\"1278\" height=\"500\" \/><\/a><\/p>\n<p class=\"p1\">\u00bfTienes cualquier consejo, curiosidad o pregunta que no hayamos comentado? \u00a1A qu\u00e9 esperas! Puedes ayudar a muchos usuarios que lean tu comentario en nuestro blog <span class=\"s1\">\ud83d\ude42<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En la actualidad, muchas de las personas que buscan financiaci\u00f3n no conocen exactamente\u00a0en qu\u00e9 caracter\u00edsticas deben fijarse en el proceso, c\u00f3mo qu\u00e9 opci\u00f3n le supondr\u00e1 un menor coste para sus bolsillos o cu\u00e1l ofrece una mayor comodidad.\u00a0Es aqu\u00ed donde entran en juego los pr\u00e9stamos y los\u00a0cr\u00e9ditos.\u00a0<\/p>\n","protected":false},"author":3,"featured_media":7075,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,33],"tags":[24,169,749],"class_list":["post-7073","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-personales","category-seccion-prestamos","tag-financiacion","tag-prestamos","tag-tarjeta-de-credito"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Diferencias entre pr\u00e9stamos personales y tarjetas de cr\u00e9dito - Fintonic News<\/title>\n<meta name=\"description\" content=\"\u00bfEst\u00e1s buscando financiaci\u00f3n y no sabes que te conviene m\u00e1s? Desde Fintonic te explicamos las diferencias entre los pr\u00e9stamos y las tarjetas de cr\u00e9dito.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fintonic.com\/blog\/prestamos-personales-y-tarjetas-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Diferencias entre pr\u00e9stamos personales y tarjetas de cr\u00e9dito\" \/>\n<meta property=\"og:description\" content=\"\u00bfEst\u00e1s buscando financiaci\u00f3n y no sabes que te conviene m\u00e1s? Desde Fintonic te explicamos las diferencias entre los pr\u00e9stamos y las tarjetas de cr\u00e9dito.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fintonic.com\/blog\/prestamos-personales-y-tarjetas-de-credito\/\" \/>\n<meta property=\"og:site_name\" content=\"Fintonic News\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Fintonic\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-03-23T12:12:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2024\/03\/cropped-Fintonic_Logo-1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jorge Jimenez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@JorgeJimenez1\" \/>\n<meta name=\"twitter:site\" content=\"@FINTONIC\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jorge Jimenez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/prestamos-personales-y-tarjetas-de-credito\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/prestamos-personales-y-tarjetas-de-credito\\\/\"},\"author\":{\"name\":\"Jorge Jimenez\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#\\\/schema\\\/person\\\/ddf97a6c293f2dbeed890d3f3d817499\"},\"headline\":\"Diferencias entre pr\u00e9stamos personales y tarjetas de cr\u00e9dito\",\"datePublished\":\"2018-03-23T12:12:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/prestamos-personales-y-tarjetas-de-credito\\\/\"},\"wordCount\":529,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/prestamos-personales-y-tarjetas-de-credito\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"Financiaci\u00f3n\",\"Prestamos\",\"tarjeta de cr\u00e9dito\"],\"articleSection\":[\"Finanzas\",\"Pr\u00e9stamos\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/prestamos-personales-y-tarjetas-de-credito\\\/\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/prestamos-personales-y-tarjetas-de-credito\\\/\",\"name\":\"Diferencias entre pr\u00e9stamos personales y tarjetas de cr\u00e9dito - Fintonic News\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/prestamos-personales-y-tarjetas-de-credito\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/prestamos-personales-y-tarjetas-de-credito\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2018-03-23T12:12:56+00:00\",\"description\":\"\u00bfEst\u00e1s buscando financiaci\u00f3n y no sabes que te conviene m\u00e1s? 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