Compare personal loans in Spain.
24 live personal finance offers tracked across 14 Spanish providers, with APRs from 5.95%. Data current as of 23 October 2026 and updated daily from the Giraffy database.
24 live offers compared from 14 providers, from 5.95% APR. Updated daily.
5.95% APR
Openbank Préstamo is a personal finance offer from Openbank in Spain. Key details — Interest Rate: 5.95%; Loan Amount: €3k–€40k; Loan Term: 12–84 mo; Key Feature: Online-only rate.
5.95% APR
Pibank Préstamo is a Personal Finance offer from Pibank in Spain. Key details — Interest Rate: 5.95%; Loan Amount: €3k–€25k; Loan Term: 12–60 mo; Key Feature: 100% online.
5.99% APR
6.49% APR
6.49% APR
ING Préstamo Personal is a personal finance offer from ING España in Spain. Key details — Interest Rate: 6.49%; Loan Amount: €3k–€40k; Loan Term: 12–84 mo; Key Feature: No opening fee.
6.50% APR
Sabadell Préstamo Personal is a personal finance offer from Banco Sabadell in Spain. Key details — Interest Rate: 6.50% TIN; Loan Amount: €3,000-€60,000; Loan Term: 12-84 months; Key Feature: Sabadell — strong Catalan bank with national network.
6.99% APR
6.99% APR
6.99% APR
6.99% APR
7.25% APR
7.49% APR
7.49% APR
7.49% APR
7.49% APR
7.49% APR
7.49% APR
9.49% APR
€30 /month
€50 /month
€200 /month
€200 /month
€200 /month
€200 /month
Personal finance covers the everyday products that help you manage, borrow and grow money - current accounts, personal loans, cards, savings and budgeting tools. In Spain this often centres on the cuenta nómina (payroll account) and its bundled perks, alongside personal loans (préstamos personales) for cars, home improvements or consolidating debt. Getting the mix right can cut fees, lower borrowing costs and improve returns on savings, which adds up to a real difference over the year.
Traditional banks reward loyalty and payroll domiciliation with fee waivers, cashback and preferential loan rates, while digital banks and neobanks compete on simple, low-cost products. Personal loans are offered by banks and specialist consumer-credit lenders, priced by amount, term and your credit profile, with files like ASNEF used to assess risk. Many Spaniards hold a main bank relationship plus a fee-free digital account for flexibility, mixing the strengths of each.
Lower fees — choosing the right account and meeting its conditions can eliminate maintenance and card charges.
Cheaper borrowing — comparing personal-loan TAEs can save meaningfully on interest over the term.
Better returns — moving idle cash into a remunerated account or deposit puts your money to work.
Clearer budgeting — app tools and spending analytics help you track and control outgoings.
Bundle or unbundle — a payroll account with perks suits those with a steady salary; a fee-free digital account suits everyone else.
Compare loan TAEs — for borrowing, the annual rate including fees is the true cost, not the headline monthly figure.
Watch linked products — preferential rates sometimes require insurance or cards you may not need.
Keep an emergency buffer — an accessible savings account cushions surprises without resorting to costly credit.
BBVA, CaixaBank, Banco Santander España, Banco Sabadell and Kutxabank offer full personal-finance ranges with branches and payroll perks. Openbank and ING España lead the digital side with low fees and competitive loans and savings. The best combination often pairs a traditional bank for payroll and borrowing with a digital account for low-cost everyday use. Reviewing your setup once a year - checking account fees, loan rates and savings returns against the current market - is usually where the biggest and easiest savings are found.
Costs on our panel span from around 5.49 euros a month for certain accounts or services up to about 200 euros a year for premium bundles. Personal-loan interest varies widely by profile and term. The biggest savings usually come from avoiding account fees, choosing the lowest-TAE loan, and not carrying revolving-card balances that quietly accrue high interest. Small habits - automating a monthly transfer to savings and paying cards in full - compound into meaningful gains over a year.
Banks and consumer lenders are supervised by Banco de España, and consumer-credit law requires clear disclosure of the TAE, a right to withdraw within 14 days of signing a loan, and information on early-repayment terms. Deposits are protected up to 100,000 euros per person per bank by the FGD, and Strong Customer Authentication secures online payments.
What is a cuenta nómina? — A current account that waives fees and adds perks in exchange for domiciling your salary.
Can I repay a personal loan early? — Yes; the law limits early-repayment fees on consumer loans.
What is ASNEF? — A shared file of unpaid debts that lenders check; appearing on it can hinder approval.
Should I consolidate debts? — Combining several debts into one lower-rate loan can cut interest, but check the total cost over the new term.
Giraffy tracks 24 personal loan products across 14 lenders in Spain. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
Many lenders in Spain offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.