Acierto.com review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Acierto.com is a Spanish loan broker that suits borrowers who want a fee-free route to a fixed-rate personal loan in Spain. It charges the customer nothing at the arrangement stage, and its offers carry an APR of 4% to 9.99% against a site median of 12%.

Key facts

Best for
A fee-free Spanish broker for fixed-rate personal loans and debt consolidation.
APR
4% to 9.99% (Source, checked September 26, 2026)
Loan amount
€3,000 to €60,000 (Source, checked September 26, 2026)
Term
3 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR - free of charge to the customer, Acierto charges no fees or commission (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Lender gives a final answer within 48 hours at most (Younited Credit personal loan offered through Acierto's comparator) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Be of legal age with a valid DNI or NIE; residence in Spain may also be required (Source, checked September 26, 2026)
Origination fee (%)
1% to 3% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Student, Secured, Business, Payday (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
ASESOR CONSUMER SERVICES, S.L. (NIF B85289320) (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
acierto.com

Apps and profiles

Elsewhere
LinkedInXfacebook.cominstagram.com

Pros and cons

Pros

  • The arrangement fee is free of charge to the customer and Acierto takes no commission
  • Borrowings of €3,000 to €60,000 at an APR of 4% to 9.99% over terms of 3 to 120
  • Fixed-rate lending across personal, debt consolidation and car, from personal loans to car and business finance
  • Backed by ASESOR CONSUMER SERVICES, S.L. (NIF B85289320), trading since 2007

Cons

  • Free early repayment is no, so settling the loan early can cost what the lender charges
  • A hard credit check, hard, puts a full file search on every application
  • Support runs on email and phone only
Acierto.com

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Spain with a fair credit file who want a fixed-rate personal loan
  • People consolidating several debts into one loan, or funding home improvements
  • Applicants who would rather pay no broker fee and no commission on the arrangement

Who should look elsewhere

  • Monzo Flex, where offers sit at an APR of 10% to 23%, if a higher headline rate suits you
  • Cashspace, at an APR of PHP 12 to PHP 36, if you want a different rate band
  • Cashspace ES, whose APR is 0%, if a fee-free offer at that rate matters more

How your money is protected

Acierto is a broker, so the loan is offered by a partner lender rather than by Acierto itself, and the contract you sign is with that lender. Acierto.com carries a registration with the Direccion General de Seguros y Fondos de Pensiones, J-3208. Because you deal through a broker, read the lender's terms for the rate and any early repayment charge.

The company behind it

The company behind Acierto.com is ASESOR CONSUMER SERVICES, S.L., ASESOR CONSUMER SERVICES, S.L. (NIF B85289320), based in Spain and trading since 2007. It is registered with the Direccion General de Seguros y Fondos de Pensiones, J-3208, and that registration covers the intermediation it carries out. Support runs on email and phone.

How Acierto.com compares

Where Acierto.com is available

Available
Spain
Licence in Spain
Direccion General de Seguros y Fondos de Pensiones (DGSFP) (J-3208), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Acierto.com charge a fee for arranging a loan?+

No. Acierto states that the arrangement fee is free of charge to the customer and that it charges no fees or commission, so the cost of borrowing sits with the lender's own rate. That rate is fixed and quoted at an APR of 4% to 9.99%.

How much can I borrow, and for how long?+

Borrowings run to €3,000 to €60,000 over terms of 3 to 120, on a fixed-rate model, fixed rate, so the figure is set at the start. Acierto also covers personal, debt consolidation and car, with terms set by the partner lender rather than by the broker.

What credit check does Acierto use?+

Applications involve a hard credit check, hard, and the products are aimed at a fair credit band, fair. A hard check is a full search that leaves a trace on the file, so it pays to know the score before applying.

Am I dealing with the broker or the lender?+

Acierto.com is a broker, broker, so a partner lender offers the loan and you sign with that lender. Acierto runs the comparison and the application. Its registered name is ASESOR CONSUMER SERVICES, S.L., ASESOR CONSUMER SERVICES, S.L. (NIF B85289320), registered with the Direccion General de Seguros y Fondos de Pensiones, J-3208.

How quickly will I hear back?+

On the Younited Credit personal loan offered through the comparator, the lender returns a final decision within a short window at most, so a complete application does not leave you waiting long. Acierto is a broker, broker, so the timing sits with the lender rather than with the comparison site.

Can I repay the loan early without a charge?+

No. Acierto lists free early repayment as no, so settling the loan ahead of schedule can attract a charge from the partner lender. Budget for terms of 3 to 120 under a fixed rate loan as though you will hold it for the full length.

What do I need to apply, and who is it aimed at?+

Anyone applying has to be an adult and hold valid identity papers, either a DNI or an NIE, and a lender may also ask that you live in Spain. Alongside that, the products target a fair credit band and the stated use is home improvement.

How do I get help once I have applied?+

Support runs on email and phone. Questions on the rate, the timing of funds and the agreement itself sit with the partner lender, while Acierto handles the broker side of the comparison, broker. Having your application reference ready helps when you call or write.

Sources

  • acierto.com/aviso-legal checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels, Licences

    “domiciled at Calle Agustin de Foxa 29, 5th floor, 28036 Madrid”

  • acierto.com/prestamos checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Free early repayment, Loan types, Pricing model, Origination fee (%), Rate type, Term, Use cases

    “Most commonly, the amount that can be requested is between 3,000 and 60,000 euros”

  • acierto.com/prestamos/younited-credit checked September 26, 2026

    Backs: Funding time

    “in general the entity gives a final answer within 48 hours (at most) after receiving the application”

  • acierto.com/sobre-nosotros checked September 26, 2026

    Backs: Founded

    “Acierto.com was born in 2007 as the first insurance comparison site in Spain”

  • acierto.com/terminos-y-condiciones checked September 26, 2026

    Backs: Credit check, Lender type, Arrangement fee

    “After carrying out a feasibility study based on the profile and needs of our users, the different offers that best fit are presented”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Acierto.com

Acierto.com

A fee-free Spanish broker for fixed-rate personal loans and debt consolidation.

8.8/10See alternatives

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