Understand the service that can resolve your situation

How much do you need?

Do you have any luck or are you in ASNEF? Don't worry, there are solutions.

Even with a complicated financial history, you can access loans adapted to your needs, with quick and flexible options that amount to much more than your credit score.

Options that accept people on lists of late arrivals

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Personal Loans

Personal loans in Spain are one of the most used options due to their accessibility and flexibility.

They are ideal for needs such as financing home renovations, paying off debts, covering medical expenses or taking a trip. It is not possible to require approval, and the money can be used if the applicant needs it.

Main advantages:

Quick and easy process.
Freedom to choose the use of money.
Available both in traditional banks and on digital platforms.

Common conditions:

Imports: Between €3,000 and €60,000.
Terms: From 12 to 96 months.
Fees of interest: From 5% TIN, depending on the client's profile.

Mortgage Loans (Mortgages)

Mortgages are the main form of financing to buy a house in Spain.

They are characterized by their wide spaces and adjusted conditions, with options for fixed, variable or mixed interest rates. It is a solution designed for people who want to purchase their first home, move house or even refinance existing mortgages.

Most common types of mortgages in Spain:

fixed rate: Constant payments throughout the period.
Variable rate: Linked to Euribor, with periodic adjustments.
Mixed meal: Combines an initial fixed period with a variable period for the rest of the period.

Features:

Imports: Up to 80% of the property tax value.
Deadlines: Up to 30 years.
Benefits: Long-term financial stability.

We provide loans

In Spain, our loans are options designed for workers with stable income.

Some entities offer special conditions for clients with their domiciled name, such as lower interests and fewer requirements. They are ideal for anyone who needs to finance one-off expenses without compromising their cash flow.

Main advantages:

Preferential rates for clients with a domiciled household.
Agile processes, with less documentation required.
Flexibility in payment terms.

Loans for Companies and Self-Employed

The Spanish market also offers specific solutions for entrepreneurs and small companies.

We provide business loans to help finance working capital, expansion projects or the acquisition of equipment. Furthermore, there are credit lines backed by the government, such as those from the Official Credit Institute (ICO).

Featured Modalities:

Microcredits: Ideal for small companies and entrepreneurs.
ICO Lines: Favorable conditions for strategic projects.
Commercial loans: Direct financing for established businesses.

We lend online

Digitalization has transformed the financial market in Spain, making online loans increasingly popular.

Fintech platforms and digital banks offer simple and fast processes, with simulations in real time and approval in just a few hours.

Advantages of online lending:

Instant comparison of multiple options.
Flexibility in lots and spaces.
Reception of money directly into your bank account.

What should you have in account when requesting a loan in Spain?

Review the fees of interest (TIN and TAE): Compares the real cost of the loan between entities.
Analyze deadlines: Choose terms that suit your payment capacity.
Choose reliable institutions: Make sure you work with banks or regulated platforms.

General