Best personal loans
Comparison of Spanish personal loans. APR, fees, terms, and requirements with no affiliation.
Data verified in: 2026-07
| Product | APY | Conditions |
|---|---|---|
| Banco Caminos Préstamo Online | from 4.5% APR | Loan up to €60,000 with no direct-deposit requirement. Response within 24 hours. |
| BBVA Préstamo Personal | from 5% APR | For customers with a direct-deposited salary. Customized payments up to 8 years. |
| Santander Préstamo Abierto | from 5.2% APR | Available for customers with a direct-deposited salary. Early cancellation option with no penalty. |
| ING Préstamo Online | from 5.5% APR | 100% online management. No cancellation fee. Available up to €50,000. |
APR data verified in July 2026. Conditions vary depending on credit profile and guarantor. Run a simulation before applying.
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Frequently asked questions
What's the difference between TIN and APR?
TIN is the nominal rate. APR includes fees and taxes. Always compare by APR to see the real cost.
What requirements do they ask for?
Generally: being a Spanish resident, over 18, with stable income, and no outstanding disputes. Some require a direct-deposited salary.
Can I cancel early?
Yes, although some charge a penalty. Before applying, check whether early cancellation is allowed without a fee.
What term can I choose?
Typically 2 to 8 years. Longer term = lower monthly payment but more total interest. Calculate what suits you best.