Updated September 29, 2026 · BorrowCue Editorial Team

Top loans for bad credit compared in Spain

49 lenders available in Spain, ranked for Spain.

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Top loans for bad credit compared in Spain
#	Lender	Score	Features	Key facts	Actions
1	DeudafixTop pick	Not rated		Loan amount: €5,000 to €5,000,000 Eligibility: Citizens and residents of Spain, individuals and sole traders, with unsecured debts of 5,000 to 5,000,000 EUR owed to two or more creditors and under 1,000 EUR left after paying bills; assessment is free Loan types: Debt-consolidation	Review Compare Visit
2	Sofkredit	8.6/10	Same day funding	APR: 10.74% to 18.06% Loan amount: €12,000 to €300,000 Term: 6 to 240 months	Review Compare Visit
3	Prestamiau ES	8.9/10	Same day funding	APR: 0% to 36% Loan amount: €100 to €5,000 Term: 3 to 6 months	Review Compare Visit
4	Prestamiau Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)	8.7/10	Same day funding	APR: MX$0 to MX$36 Loan amount: MX$100 to MX$20,000 Term: 3 to 4 months	Review Compare Visit
5	Prestapuffin	8.8/10	Fixed rate Same day funding	APR: 0% to 36% Loan amount: €100 to €5,000 Term: 2 to 60 months	Review Compare Visit
6	Credigenio 0% for new customers: 0% CAT on the first loan with selected lenders	8.7/10	Same day funding	APR: 0% to 36% Loan amount: MX$1,000 Term: 3 to 4 months	Review Compare Visit
7	Credigenio ES Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive	8.7/10	Same day funding	APR: 0% to 317% Loan amount: €50 to €5,000 Term: 3 to 4 months	Review Compare Visit
8	Andacredito Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan	8.7/10	Same day funding	APR: 0% to 36% Loan amount: €100 to €5,000 Term: 2 to 3 months	Review Compare Visit
9	Ibancar Prestamos	9.0/10	Fixed rate Same day funding	APR: 12.74% to 13.01% Loan amount: €600 to €8,000 Term: 12 to 60 months	Review Compare Visit
10	Fidea	8.9/10	Same day funding	APR: 0% to 212% Loan amount: €500 to €60,000 Term: 3 to 60 months	Review Compare Visit

Licensed in Spain

Sofkredit: Banco de Espana
Repagalia ES: Ministerio de Justicia - Registro de mediador concursal (administracion concursal services)
Nebeus: CNMV (Comision Nacional del Mercado de Valores) - MiCA authorisation
Nebeus: Banco de Espana (registration shown on site)
Acierto.com: Direccion General de Seguros y Fondos de Pensiones (DGSFP)

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Deudafix

Top pick for Spain