Do you need instant and legit loan apps in Spain that can help you cover your financial obligations and cash emergencies until payday? You can get payday loans from €50 to €1000 and more by simply choosing the best options from any of the top 11 best instant legit loan apps in Spain for your payday advances.
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.
Legit Loan Apps In Spain For Your Payday Instant Loans 2025
The best loans and lending applications in Spain that offers quick loans with seamless application process which are basically online are Credit Star, Prestamer, OK Money, Luna Credit, Twinero, Quebueno, Cashper and Credy. You can apply for and get payday advance or instant personal loan Spain from any of these applications. Just apply with your smartphone and provide required profile information.
1. Credit Star
2. Prestamer
With Prestamer, you can get your legit fast cash loan 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 to your account after approval! Loan Amount ranges from €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. Prestamer approves up to 90% of the requests, that is loan applications of 9 out of 10 cases.
3. OKMoney
OKMoney is another legit and well trusted financial product designed to offer personal loans between €50 to €1000 that are returned between 7 and 30 days, with a minimum APR of 3112.60% and a maximum of 5431.20%. The is a product of the company Rapido Finance, SLU, of Spanish nationality, with its registered office in Madrid, Pz. Carlos Trias Bertrán, 4, OKMoney.es is owned by Rapido Finance SLU.
OK Money Instant Payday Loans are provided by Rapido Finance SLU. Your loans always at hand A whim, an unforeseen, or for what you need Fast concession process You get your loan quickly without paperwork and online Know what you pay No hidden costs, no unpleasant surprises.
4. LunaCredit
LunaCredit is one of the best trusted and reliable financial product in Spain 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.
LunaCredit.es (formerly NetCredit.es) 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 is one of the fastest in the quick loan sector and ensures your privacy and your personal information/data are always safe with them.
5. Twinero
With Twinero loan app, you get a legit and reputable cash advance application where you can apply for your loan online Up to € 300 if you are a new customer. Repeat customers can get up to € 600 and attractive discounts. Your cash transfer to your bank acount is ready within 15 minutes or less. Twinero cash advance loans are fast, comfortable and instant. Loan Amount from Twinero payday cash advance app ranges from €50 to €300.
6. Quebueno
QuéBueno Quick Credits are an easy, legit 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 their fast loans, simply go to their website. In the credit simulator, you will select the amount of urgent money and the loan tenure you need. After you complete the application form, your identity will be verified. Finally, you will be sent an email that your loan has been approved. Then you will receive the money in your account in just 10 minutes.
7. Cashper
8. Credy
Credy platform offers anyone living in Spain to apply for legit 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.
9. Solcredito
Solcredito helps you get the best offers of personal loans online which are reliable and trusted. Their goal is to provide responsible solutions to liquidity problems. The company is not based on just borrowing money, but also advising those who need it.
The loan platform search service is free, fast and super simple. Solcredito is your best option when it comes to flexibility: as you simply select the value of the Payday advance 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. The platform uses thousands of data points to choose the best loan offer for you.
10. CreditoZen
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.
11. Vivus
To request for an interest-free online loan with Vivus is simple and 100% secure. The first Payday Loan is free up to € 300: no interest, commissions, small bills or hidden costs. The only requirement is to return it within 30 days.
There are 3 major processes involved. Request your fast and instant credit and to do so is very easy, you only need three requirements: Be Spanish or have a residence card; Be of age; Be the holder of a bank account in Spain. Verify your identity, after which you easily have your mini-credit inside your bank account.
Manage your credit online in your customer area easily and simply:
Vivus aims to solve your urgent financial need for liquidity with the utmost care, efficiency and proper treatment. Loan Amount ranges from €50 to €300.
What is a personal loan Spain?
A personal loan Spain 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 was my loan application for personal loans denied?
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.
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 should I Apply for a Personal Loan in Spain?
You can request for a personal loan Spain in the following instances:
- 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 Spain?
Fast loans Spain 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 can I use my personal loans for?
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 do I 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.
Requirement for applying for a personal loan Spain?
You will require most of all or all of the documents below:
- 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.
Conclusion
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,
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.
