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The time it takes to receive your money for a Kreditax loan can vary, but typically, you can expect to receive it within a few hours to one business day after approval.

The amount you can borrow with a Kreditax loan depends on various factors, such as your financial situation and the lender's terms. Typically, Kreditax loans range from 1 000 € to 500 000 €.

When you apply for a Toot loan, here's what generally happens:

1. **Application Submission**: You fill out an online application with your personal details, financial information, and the loan amount you're requesting.

2. **Review and Approval**: The lender will review your application, checking your eligibility based on factors like income, credit history, and any other criteria they have. Even with bad credit, some lenders may approve your application based on other factors, such as your income or employment status.

3. **Loan Offer**: If approved, you'll receive a loan offer outlining the loan amount, interest rate, fees, and repayment terms.

4. **Accepting the Loan**: If you agree to the terms, you'll sign the loan agreement, either electronically or on paper.

5. **Fund Disbursement**: Once you accept the offer, the lender will disburse the loan funds, usually within a few hours or by the next business day, depending on the lender's process.

6. **Repayment**: You’ll begin repaying the loan according to the agreed schedule.

Make sure to read the terms carefully to understand the full cost of the loan, including interest rates and fees.

To make a complaint about a Toot loan or any related service, follow these general steps:

1. **Review the Terms**: Before filing a complaint, make sure you’ve reviewed the loan agreement and understand the terms and conditions. Sometimes, the issue might be resolved by clarifying misunderstandings.

2. **Contact Customer Support**: Reach out to the lender’s customer service or support team. They usually have contact options such as:
- **Phone**: Call the customer support hotline for immediate assistance.
- **Email**: Send a detailed complaint via email, outlining your concerns.
- **Live Chat**: Some lenders offer live chat on their website for quick resolution.

3. **Provide Details**: When submitting your complaint, be clear and concise. Include:
- Your loan account number or application reference.
- A description of the issue you're facing.
- Any supporting documentation, if applicable (e.g., emails, statements, screenshots).

4. **Escalate the Issue**: If the issue isn’t resolved to your satisfaction, ask to escalate the complaint to a manager or supervisor. Many companies have a formal complaint escalation process.

5. **External Help**: If the issue remains unresolved after speaking with customer support, you may consider filing a complaint with:
- **Regulatory Authorities**: Depending on your country, there may be financial ombudsman services or regulators you can contact.
- **Consumer Protection Agencies**: If you feel your rights are being violated, a consumer protection agency might be able to help.

Be sure to keep a record of all your communications with the lender during the complaint process.