{"id":344,"date":"2018-10-25T17:41:03","date_gmt":"2018-10-25T17:41:03","guid":{"rendered":"https:\/\/cashtime.com\/how-to-borrow-responsibly\/"},"modified":"2025-09-04T16:53:30","modified_gmt":"2025-09-04T16:53:30","slug":"como-pedir-un-prestamo-responsable","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-borrow-responsibly\/","title":{"rendered":"C\u00f3mo pedir prestado de forma responsable"},"content":{"rendered":"<p>Muchos de nosotros tenemos ocasiones en la vida en las que necesitamos pedir dinero prestado; para emergencias, gastos inesperados, situaciones m\u00e9dicas, gastos universitarios, y la lista contin\u00faa. Es posible que ya conozcas los pr\u00e9stamos con pagos globales o las penalizaciones por pagarlos antes de tiempo, pero para saber c\u00f3mo pedir dinero prestado de forma responsable no basta con evitar estas trampas ocultas. He aqu\u00ed algunos aspectos que debes tener en cuenta cuando te enfrentes a la necesidad de pedir dinero prestado:<\/p>\n<p>1. Pida prestado s\u00f3lo para una necesidad real. Nunca pidas un pr\u00e9stamo a menos que no tengas otra opci\u00f3n y la necesidad sea inmediata. Unas vacaciones en el tr\u00f3pico probablemente no sean una emergencia (\u00a1aunque puede ser una necesidad!), mientras que sustituir la transmisi\u00f3n de tu veh\u00edculo probablemente s\u00ed sea una necesidad real y acuciante. Recuerda que tendr\u00e1s que devolver todo lo que te presten y algo m\u00e1s, debido a los intereses del pr\u00e9stamo. <\/p>\n<p>2. Conoce tus n\u00fameros. Antes de firmar en la l\u00ednea de puntos, averigua tu puntuaci\u00f3n crediticia e investiga a qu\u00e9 tipo de tipos de pr\u00e9stamo puedes optar para evitar pagar m\u00e1s de lo que deber\u00edas. Cuanto mejor sea tu puntuaci\u00f3n crediticia, mejores ser\u00e1n las condiciones del pr\u00e9stamo. Comprueba las diferentes ofertas de pr\u00e9stamo.  Los plazos de amortizaci\u00f3n, el tipo de inter\u00e9s, el importe del pr\u00e9stamo y las comisiones pueden variar enormemente.<\/p>\n<p>3. Pida prestado s\u00f3lo lo que pueda devolver. Adem\u00e1s del capital y los intereses, puede haber comisiones asociadas al dinero que pides prestado. Si no pagas las cuotas a tiempo, tambi\u00e9n puede haber penalizaciones sobre el saldo del pr\u00e9stamo. Haz un presupuesto por adelantado para este gasto y programa tus pagos mensuales como giros bancarios autom\u00e1ticos unos d\u00edas antes de su vencimiento para asegurarte de que evitas los cargos por demora y las penalizaciones. Si sigue un plan de reembolso que presupueste el importe del pr\u00e9stamo m\u00e1s un poco de \"margen de maniobra\", deber\u00eda poder realizar sus pagos a tiempo y seguir haciendo frente a sus otros gastos mensuales sin sufrir tensiones financieras.<\/p>\n<p>4. Lee el contrato. Esto puede parecer obvio, pero sepa lo que est\u00e1 firmando antes de comprometerse. Pregunte por las comisiones y penalizaciones, los gastos de apertura, los tipos fijos frente a los variables, las opciones de refinanciaci\u00f3n y cualquier otra duda que tenga. Su prestamista no deber\u00eda tener ning\u00fan problema en responder a sus preguntas y tranquilizarle. Si no est\u00e1 seguro de alg\u00fan detalle, pida que se lo aclaren y no firme el contrato hasta que est\u00e9 seguro de haber entendido las condiciones.<\/p>\n<p>Si hace todo lo posible por pedir prestado s\u00f3lo lo que puede devolver, utilizar el dinero para una emergencia imprevista o una verdadera necesidad, buscar el modelo de pr\u00e9stamo y las condiciones de reembolso, entender todas las condiciones del pr\u00e9stamo, tener un presupuesto o plan de reembolso del pr\u00e9stamo al que pueda comprometerse de forma realista, estar\u00e1 pidiendo prestado de forma responsable.<\/p>","protected":false},"excerpt":{"rendered":"<p>Many of us have occasions in life when we need to borrow money; for emergencies, unexpected expenses, medical situations, college [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-344","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Borrow Responsibly - Cash Time Loan Centers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cashtime.com\/es\/como-pedir-un-prestamo-responsable\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Borrow Responsibly - Cash Time Loan Centers\" \/>\n<meta property=\"og:description\" content=\"Many of us have occasions in life when we need to borrow money; for emergencies, unexpected expenses, medical situations, college [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cashtime.com\/es\/como-pedir-un-prestamo-responsable\/\" \/>\n<meta property=\"og:site_name\" content=\"Cash Time Loan Centers\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CashTimeExpressMainSt\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-10-25T17:41:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-04T16:53:30+00:00\" \/>\n<meta name=\"author\" content=\"Cash Time Loan Centers\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Cash Time Loan Centers\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-borrow-responsibly\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-borrow-responsibly\\\/\"},\"author\":{\"name\":\"Cash Time Loan Centers\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/#\\\/schema\\\/person\\\/ad6b1c98c208c64b48bec08a231ff16f\"},\"headline\":\"How to Borrow Responsibly\",\"datePublished\":\"2018-10-25T17:41:03+00:00\",\"dateModified\":\"2025-09-04T16:53:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-borrow-responsibly\\\/\"},\"wordCount\":462,\"publisher\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/#organization\"},\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-borrow-responsibly\\\/\",\"url\":\"https:\\\/\\\/cashtime.com\\\/how-to-borrow-responsibly\\\/\",\"name\":\"How to Borrow Responsibly - Cash Time Loan Centers\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/#website\"},\"datePublished\":\"2018-10-25T17:41:03+00:00\",\"dateModified\":\"2025-09-04T16:53:30+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-borrow-responsibly\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/cashtime.com\\\/how-to-borrow-responsibly\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-borrow-responsibly\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/cashtime.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Borrow Responsibly\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/#website\",\"url\":\"https:\\\/\\\/cashtime.com\\\/\",\"name\":\"Cash Time Loan Centers\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/cashtime.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/#organization\",\"name\":\"Cash Time Loan Centers\",\"url\":\"https:\\\/\\\/cashtime.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/cashtime.com\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Flat_Cash_Time_Logo_-_Websafe_-_Optimized-1.svg\",\"contentUrl\":\"https:\\\/\\\/cashtime.com\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Flat_Cash_Time_Logo_-_Websafe_-_Optimized-1.svg\",\"width\":3570,\"height\":1003,\"caption\":\"Cash Time Loan Centers\"},\"image\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CashTimeExpressMainSt\\\/\",\"https:\\\/\\\/www.instagram.com\\\/cashtimeloans\\\/?hl=en\",\"https:\\\/\\\/www.tiktok.com\\\/@cashtimetitleloans\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/#\\\/schema\\\/person\\\/ad6b1c98c208c64b48bec08a231ff16f\",\"name\":\"Cash Time Loan Centers\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2c1eb479e84598936d6986b4ea1c7dc1b9d0c3a0f15b9c2b88df2ee68b702200?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2c1eb479e84598936d6986b4ea1c7dc1b9d0c3a0f15b9c2b88df2ee68b702200?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2c1eb479e84598936d6986b4ea1c7dc1b9d0c3a0f15b9c2b88df2ee68b702200?s=96&d=mm&r=g\",\"caption\":\"Cash Time Loan Centers\"},\"sameAs\":[\"https:\\\/\\\/cashtime.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"C\u00f3mo pedir prestado de forma responsable - Cash Time Loan Centers","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:\/\/cashtime.com\/es\/como-pedir-un-prestamo-responsable\/","og_locale":"es_MX","og_type":"article","og_title":"How to Borrow Responsibly - Cash Time Loan Centers","og_description":"Many of us have occasions in life when we need to borrow money; for emergencies, unexpected expenses, medical situations, college [&hellip;]","og_url":"https:\/\/cashtime.com\/es\/como-pedir-un-prestamo-responsable\/","og_site_name":"Cash Time Loan Centers","article_publisher":"https:\/\/www.facebook.com\/CashTimeExpressMainSt\/","article_published_time":"2018-10-25T17:41:03+00:00","article_modified_time":"2025-09-04T16:53:30+00:00","author":"Cash Time Loan Centers","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Cash Time Loan Centers","Est. reading time":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/cashtime.com\/how-to-borrow-responsibly\/#article","isPartOf":{"@id":"https:\/\/cashtime.com\/how-to-borrow-responsibly\/"},"author":{"name":"Cash Time Loan Centers","@id":"https:\/\/cashtime.com\/#\/schema\/person\/ad6b1c98c208c64b48bec08a231ff16f"},"headline":"How to Borrow Responsibly","datePublished":"2018-10-25T17:41:03+00:00","dateModified":"2025-09-04T16:53:30+00:00","mainEntityOfPage":{"@id":"https:\/\/cashtime.com\/how-to-borrow-responsibly\/"},"wordCount":462,"publisher":{"@id":"https:\/\/cashtime.com\/#organization"},"articleSection":["Uncategorized"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/cashtime.com\/how-to-borrow-responsibly\/","url":"https:\/\/cashtime.com\/how-to-borrow-responsibly\/","name":"C\u00f3mo pedir prestado de forma responsable - Cash Time Loan Centers","isPartOf":{"@id":"https:\/\/cashtime.com\/#website"},"datePublished":"2018-10-25T17:41:03+00:00","dateModified":"2025-09-04T16:53:30+00:00","breadcrumb":{"@id":"https:\/\/cashtime.com\/how-to-borrow-responsibly\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cashtime.com\/how-to-borrow-responsibly\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/cashtime.com\/how-to-borrow-responsibly\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cashtime.com\/"},{"@type":"ListItem","position":2,"name":"How to Borrow Responsibly"}]},{"@type":"WebSite","@id":"https:\/\/cashtime.com\/#website","url":"https:\/\/cashtime.com\/","name":"Centros de Pr\u00e9stamo Cash Time","description":"","publisher":{"@id":"https:\/\/cashtime.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cashtime.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/cashtime.com\/#organization","name":"Centros de Pr\u00e9stamo Cash Time","url":"https:\/\/cashtime.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/cashtime.com\/#\/schema\/logo\/image\/","url":"https:\/\/cashtime.com\/wp-content\/uploads\/2025\/05\/Flat_Cash_Time_Logo_-_Websafe_-_Optimized-1.svg","contentUrl":"https:\/\/cashtime.com\/wp-content\/uploads\/2025\/05\/Flat_Cash_Time_Logo_-_Websafe_-_Optimized-1.svg","width":3570,"height":1003,"caption":"Cash Time Loan Centers"},"image":{"@id":"https:\/\/cashtime.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CashTimeExpressMainSt\/","https:\/\/www.instagram.com\/cashtimeloans\/?hl=en","https:\/\/www.tiktok.com\/@cashtimetitleloans"]},{"@type":"Person","@id":"https:\/\/cashtime.com\/#\/schema\/person\/ad6b1c98c208c64b48bec08a231ff16f","name":"Centros de Pr\u00e9stamo Cash Time","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/2c1eb479e84598936d6986b4ea1c7dc1b9d0c3a0f15b9c2b88df2ee68b702200?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2c1eb479e84598936d6986b4ea1c7dc1b9d0c3a0f15b9c2b88df2ee68b702200?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2c1eb479e84598936d6986b4ea1c7dc1b9d0c3a0f15b9c2b88df2ee68b702200?s=96&d=mm&r=g","caption":"Cash Time Loan Centers"},"sameAs":["https:\/\/cashtime.com"]}]}},"featured_image_src":null,"featured_image_src_square":null,"author_info":{"display_name":"Cash Time Loan Centers","author_link":"https:\/\/cashtime.com\/es\/author\/cashtime\/"},"_links":{"self":[{"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/posts\/344","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/comments?post=344"}],"version-history":[{"count":0,"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/posts\/344\/revisions"}],"wp:attachment":[{"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/media?parent=344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/categories?post=344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cashtime.com\/es\/wp-json\/wp\/v2\/tags?post=344"}],"curies":[{"name":"la hora de","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}