NO. Just between us, we feel microcredits are dangerous since quite often they do nothing to help your financial health, infact they usually make it worse. We don't work with an opaque amortization system, just a transparent advance, clear as crystal.
Our system: An advance up to 100€ completely free of charge that we recover a month later. From a legal standpoint, we are not held to the regulations of a microcredit as we are not a credit establishment nor a financial institution.