Top 10 Best Online Personal Loan Apps In Spain (2022)

Top 11 Best Online Personal Loan Apps In Spain (2022)
Top 11 Best Online Personal Loan Apps In Spain (2022)

Do you need instant online personal loan apps in Spain that can help you cover your financial obligations and cash emergencies until payday?

You can get quick online payday loans from €50 to €1000 and more by simply choosing the best options from any of our top 10 best instant loan apps in Spain for your payday advances.

Top 11 Best Instant Loan Apps In Spain For Payday Loans
Top 10 Best Instant Loan Apps In Spain For Payday Loans

All you need to do is to fill-out a little form and finally get instant payday loans according to your need. Here are multiple right options for getting payday loans, Easy and simple method, more opportunity and reliable for anyone. Use this service according to your needs.

List of Top 10 Best Personal Loan Apps In Spain For Payday Cash Advances

  1. Credit Star
  2. Prestamer
  3. OK Money
  4. Luna Credit
  5. Twinero
  6. Quebueno
  7. Cashper
  8. Credy
  9. Solcredito
  10. CreditoZen
  11. Vivus

1. Credit Star

Top 11 Best Online Personal Loan Apps In Spain (2022)
Top 10 Best Online Personal Loan In Spain (2022)
Creditstar offers affordable financial services to individuals, with friendly and efficient customer service. We have been operating as an international group since 2006 and have introduced comfortable, flexible and easy-to-understand financial products that meet the expectations and needs of our customers.
Loan Amount: €50 to €1000. Creditstar says it wants its service to make their customers’ daily lives a little easier. So their customers can trust them if they need simple and transparent financial Instant Payday Loans assistance in the short term.
The platform says it treat relationships with customers with a positive tone, kind and respectful, and their goal is to be a service provider that customers trust, and even more than that: to truly appreciate.

2. Prestamer

Top 11 Best Online Personal Loan Apps In Spain (2022)
Best Online Personal Loan Apps In Spain (2022)

With Prestamer, you can get your money online as all operations are performed remotely. You can complete the application form via your computer or mobile phone and receive the money regardless of where you are. Money is sent immediately! Loan Amount: €50 to €1000.

The form contains the minimum number of points, so it does not take long to complete it. The request is processed in one minute. If approved, the money is immediately transferred to your card.You can verify it yourself.

The service works every day. There are no holidays. The service is automatic, so you can receive your Instant Payday Loans at any time. We do not request any guarantees or guarantees.

To get your money, you only need your ID. We approve up to 90% of the requests We approve loan applications in 9 out of 10 cases. You can check this by applying for your loan.

Click Here To Apply

3. LunaCredit

Best Online Personal Loan Apps In Spain (2022)
Best Online Personal Loan Apps In Spain (2022)

LunaCredit is a financial product designed to offer personal Payday Loans for returns between 7 and 30 days, with a minimum APR of 3112.60% and a maximum of 5431.20%. Loan Amount: €50 to €1000. (formerly is a product of Rapido Finance, SLU, a Spanish company, with its registered office in Madrid, Pz. Carlos Trias Bertrán, 4. For your special occasions LunaCredit is your solution Fast concession process.

The platform says it tries to be the fastest in the sector. “We ensure your privacy, Your personal information is now and always safe with us in Instant Payday Loans.”

Click Here To Apply

4. Twinero

 Online Personal Loan Apps In Spain (2022)
Online Personal Loan Apps In Spain (2022)

Apply for your loan online Up to € 300 if you are new to Twinero. Repeat with us to get up to € 600 and attractive discounts. Your transfer is ready within 15 minutes. Fast, comfortable Instant Payday Loans without small print. Your extra money without paperwork and without approval.

Loan Amount: €50 to €300

Apply Here

5. Quebueno

 Online Personal Loan Apps In Spain (2022)
Online Personal Loan Apps In Spain (2022)

QuéBueno Quick Credits are an easy and fast way to get money for both emergency and sporadic use in recreational activities. When applying for a mini credit you will receive a sum of money, you can get a maximum of 900 euros to use it the way you want. In QuéBueno you do not have to justify what you are applying for.

The loan received can be repaid up to 30 days after the Payday Loans was granted. So you have enough time to easily collect the money. To apply for one of our fast loans, simply go to our website. In our credit simulator you must select the amount of urgent money and the time you need.

Then complete the application form so that we can verify your identity. Finally, we will send you an email as your loan has been provided. Then you will receive the money in your account in just 10 minutes. your fast credits are transparent and easy to use. You will see the details of your application at all times in our loan calculator.

Moreover, you can be silent because the total amount to return never changes: it is the one that we indicate from the first moment. As long as you pay the loan on the agreed date with Instant Payday Loans.

Apply Here

6. Cashper

 Online Personal Loan Apps In Spain (2022)
Online Personal Loan Apps In Spain (2022)
Cashper has simplified the online credit application process to the minimum possible expression. Applying for a Payday Loans with Cashper is very simple and you complete the 2 step form in 5 minutes. Loan Amount: €01 to €300
Use the online credit calculator that is available on the internet to choose the exact amount of quick money you want and the days on which you want to pay it, the total that you have to return, appear immediately. No commission has been added to Cashper’s fast mini credit: the results that the calculator offers are that the final amount must be returned within the estimated time.
It is precisely because of the transparency of our processing and circumstances that thousands of Spaniards use our products and make us what we are: Cashper, your financial friend. If you are sure how much you want to ask us online, click on “request”. We then ask you to complete a simple application form in two steps so that we can process your quick money request online.

7. Credy

 Online Personal Loan Apps In Spain (2022)
Online Personal Loan Apps In Spain (2022)

Credy platform offers anyone living in Spain to apply for loans offered by various lenders who provide loans across the country.

The website is intended for adults living in Spain only. The information available on the website is not intended as specific financial advice. Traffic Control does not act as a financial advisor to a party via its website.

The data and information provided and presented on the website (the “information”) is based on the data that Traffic Control has received from third parties (in particular from the credit / Instant Payday Loans providers with which Traffic Control cooperates).

Loan Amount: €50 to €750

Apply Here

8. Solcredito

 Online Personal Loan Apps In Spain (2022)
Online Personal Loans In Spain

Solcredito helps you get the best offers of personal loans online. Our goal is to provide responsible solutions to liquidity problems. Our company is not based on borrowing money, but on advising those who need it.

Our loan search service is free, fast and super simple. Solcredito is your best option Flexibility: you select the value of the Payday Loans and how long you need it. Saving money: we examine the most reliable and recognized credit institutions and present the best credit option.

Save time: the process is 100% online. No queues, no approval, no payroll, no paperwork. Technology: the search for fast loans is processed with absolute speed, discretion and security. We use thousands of data points to choose the best offer for you.

There are no hidden or additional expenses or small bills: with our transparent service you can view the total costs of your mini loan before you validate the request. Answer in just 15 minutes after the best option is confirmed about Instant Payday Loans.

Apply Here

9. CreditoZen

 Online Personal Loans In Spain
Online Personal Loans In Spain

If you urgently need money to resolve an unexpected situation, the best solution is a mini credit from credit boxes. Request an online microcredit on our website and you will receive the Payday Loans within a few minutes. When dealing with economic issues, it is best to manage them with complete security that you deserve.

Loan Amount: €50 to €1000

The procedure is very simple. You send us a request, at any time and every day of the week. Our doors are always open, so you can immediately receive loans online. You choose the amount and duration of your loan and you can receive your money within a few minutes. All you have to do is have a bank account and a steady income alongside a telephone line and be a resident in Spain to receive your microcredit immediately.

Apply Here

10. Vivus

The main purpose of Vivus is to provide our customers with one They like to think that we are that self-confidence option that is always there, even when others fail. With this vision in mind, they work every day to give exceptional treatment to those who trust us, to maintain our position as microcredit leaders and to consider transparency as one of our pillars. The principles that govern our work are: Customer Satisfaction.

They want to solve an urgent need for liquidity with the utmost care, efficiency and proper treatment. Transparency. They do not hide our interests. Loan Amount: €50 to €300.

The first Payday Loans is free up to € 300: no interest, commissions, small bills or hidden costs. The only requirement is to return it within 30 days. Responsibility. They urge our clients to apply for a fast loan only if this is their best financing option.

Apply Here

Frequesntly Asked Questions About Online Personal Loans In Spain (2022)

What is a personal loan?

A personal loan is a financial instrument with which an entity lends us an amount of money in exchange for returning it after a period of time, normally by paying some interest. It is usually used to finance consumer needs such as buying a car, making a renovation, purchasing furniture, etc.

The adjective personnel comes from its guarantee, which in personal loans is “the whole of the holder’s present and future assets”, according to the Bank of Spain. This means that, if we do not return the money, our assets can be seized to pay off the debt: accounts, income, goods, etc.

Why don’t you give me personal loans?

The vast majority of applications that are denied occur because of insufficient income to pay the fees (or when they are unstable). It is also very common that we are not granted personal loans if we have debts registered in delinquency files such as ASNEF or RAI.

What is the INE form for a loan?

The Standard European Information (INE) form is a document that the lender is obliged to give us if he offers us a consumer credit. It contains all the conditions of the personal loan: the amount, the term, the interest, the APR, the commissions, the possible insurance, etc.

What is the binding offer of a personal credit?

If we ask the bank for a binding offer, it has to keep the conditions of the personal loan it offers us for a minimum of 14 calendar days. In this way, we can compare other offers without fear of losing the conditions they offer us.

Can personal loans be paid in advance?

Yes, by law, we have the right to pay back all or part of the principal of a personal loan whenever we want (although we may have to give a few days’ notice). In exchange, the lender may charge us a fee for early repayment, although the cost will be more than offset by interest savings.

What if I take out a loan online and then regret it?

Spanish regulations state that all personal loan contracts must include a 14 calendar day withdrawal period from the date of signature. During that time the personal loan can be unilaterally cancelled without the entity being able to charge penalties.

What happens if I don’t pay back a personal loan?

First, the entity will charge us interest and late fees that will increase the cost of the loan and will probably register us in defaulters files such as ASNEF. If we still don’t pay the fees, the lender will report us to claim the seizure of our present and future assets until the debt is settled.

When to Apply for a Personal Loan

You are looking to finance a project at the best possible price and you do not mind changing banks and that the lending process takes a little longer.

The effort will pay off with a stable, low interest loan that is highly tailored to your needs. The Banks we’ve recommended all have excellent offers as well as a very smooth process. Not to mention a very good level of customer service in various languages.

These loans are also most accomodating for expats, as long as you are able to show some form of income or financial assets accepted in Spain.

Foreign income is always more complicated, but the banks we’ve recommended always are quite open to issuing loans to expats, as long as they are able to understand your financial picture and you are able to produce accepted paperwork for your income and assets.

When to Apply for a Fast Loan

Fast loans are for when you looking for financing within minutes, they are for very fast injections of liquidity in case of emergency. For almost any other situation, we would recommend looking for a more complete loan.

Be careful: Abusing fast loans can cause serious debt issues. Always have a plan to keep up with your payments as defaulting can inflate your debt very quickly.

Why do you look for personal loans?

There are personal loans for all tastes: to finance the purchase of a vehicle, to renovate your home, to pay for your studies, to cover unforeseen expenses… Here you can look for the credit you need and find specific offers for each purpose.

Financing a car
Financing a reform
Financing studies
Financing a trip
Financing ecological projects
Financing store purchases
For various purchases
Financing a smartphone
Consolidate debts

Depending on the purpose for which we want a loan, the conditions may vary. For example, to finance ecological projects or pay for higher studies, loans offered by entities have more advantageous conditions such as interest rates well below the average. Therefore, choosing the purpose will allow us to know the most suitable loans for us.

How to apply for a personal loan?

New technologies allow us to ask for personal loans both in person in an office and through the Internet. Although with nuances, the process to follow is practically the same. Let’s see what steps need to be taken to get financing for a particular project:

Consult loans from various entities, either online, in the office or by phone. This way we can compare offers and negotiate better conditions. We recommend consulting at least three personal loan offers.

Fill out the application form with our data and the conditions of the personal loan (purpose, amount and term) and give it to the lender (in person or online).

Wait for pre-approval. In the online mode it is almost instantaneous. In the face to face mode, the process can take a few days.
Send the documentation requested. Depending on the entity, we can do this by email or by going to the entity.

Read the pre-contractual information that will be given to us if our request is approved. There, all the conditions of our future loan will appear: amount, term, interest, commissions, etc.
Sign the contract if we like the offer (in the office or by digital signature).
Receive the money. Depending on the lender, it will be paid to us immediately or in a maximum of 48 hours

Documentation for applying for a personal loan

To prove that we meet the requirements mentioned in the previous section, a series of documents must be delivered to the lender:

A copy of our identity card.

A bank statement in which the income and expenses of the last months can be consulted.
The last income tax return (especially if we ask for large amounts).
A proof of income: the last three payslips, the receipts of the last pensions or the payment of the self-employed receipt, the social security settlement and the VAT and income tax summary.

A proof of purpose, which can be the budget or the proforma invoice of the project. Normally, if we ask for a small credit, it will not be necessary to present it.

However, if we ask for the personal loan to the bank where we have our income and receipts domiciled, it is possible that we will not have to do so much paperwork. In these cases, the entity will already have many of the data it needs, so it won’t ask for them again. If we have applied for a loan with our partner, we will both have to submit the same documentation


Traditionally, banks have monopolized the consumer credit sector. However, they were forced to turn off the tap when the crisis broke out, which many companies and alternative platforms took advantage of to break into the market and make a niche for themselves.

We already know how to ask for financing and how to find the best offer, but will the lender approve our application? Of course, in order to borrow money from us, we have to be solvent enough to pay it back on time. Therefore, they will ask us to meet some minimum requirements:

Be over 18 years old. In some cases, we may be required to be at least 21 or 25 years old.
To reside in Spain. In case of foreigners, we will have to provide a permanent residence card.

Collect a regular and sufficient income. It is essential that we receive a salary that allows us to pay the personal credit installments as agreed (a salary, a pension, etc.). For example, we charge less than 1,000 euros, it is very unlikely that we will borrow large amounts.

Have a healthy level of debt. Owing a lot of money for other credits will reduce our chances of getting financing again. Our level of debt should be in line with our income (devoting 35% or less of our salary to the payment of all loans)

Do not appear in defaulters’ files. Only a few private equity companies provide personal loans to customers with unpaid debts.

It is essential that we are responsible and that we do not take out personal loans if we are not able to assume their repayment. In that sense, it is advisable to dedicate a maximum of 35-40% of the income to the payment of our loan instalments. We can use a personal loan simulator to find out the total cost of the credit and assess whether we could repay it or not.