Repayment period (min–max): 61 days – 120 months.
Maximum APR: up to 365% (indicative depending on product).
Representative Examples
Short-term Loan
Amount: €300 for 61 days
NIR: 0%
Commission: €12
APR: 99.9%
Total to repay: €312
Installment Loan
Amount: €1,000 for 12 months
NIR: 21.9%
APR: 24.9%
Monthly payment: ~€94/month
Total to repay: ~€1,128
About Our Service
Important note: Our website is an online comparator that does not grant loans directly. We are dedicated to helping users find the best offers available in the Spanish financial market, comparing products from different registered and authorized financial entities in Spain.
Important Information
- All personal loans are subject to credit approval by the corresponding financial institution.
- The NIR (Nominal Interest Rate) and APR (Annual Percentage Rate) may vary depending on the applicant's credit profile, requested amount, and repayment period.
- The examples shown are merely indicative. The final conditions will depend on the specific offer from each entity.
- We recommend carefully reading all contractual conditions before accepting any loan offer.
- Requesting a loan implies a payment commitment. Make sure you can meet the obligations before formalizing.
What is APR?
The Annual Percentage Rate (APR) is an indicator that reflects the real cost of a loan, including:
- The nominal interest rate (NIR)
- Opening, study, or management fees
- Contracting expenses
- Payment frequency
The APR allows you to compare different offers homogeneously, as it encompasses all costs associated with the loan in a single annual percentage.
Applicant Requirements
To apply for a personal loan in Spain, the following is generally required:
- Be over 18 years old (some entities require up to 21 years)
- Be a legal resident of Spain
- Have a valid DNI or NIE
- Have demonstrable regular income
- Have a bank account in the applicant's name
- Not be included in delinquency files (ASNEF, RAI, etc.), although some entities do accept applicants with incidents
How to Apply for a Loan
- Complete the form: Indicate the amount you need and your basic personal information.
- Compare offers: Review the different proposals you will receive from our partner entities.
- Choose the best option: Select the offer that best suits your needs and payment capacity.
- Submit documentation: The financial entity will request the necessary documentation (payslips, DNI, bank statements, etc.).
- Receive the money: Once the application is approved, you will receive the amount in your bank account, generally within 24-48 hours.