Updated October 9, 2026 · BorrowCue Editorial Team

Top buy now, pay later compared in Spain

9 lenders available in Spain, ranked for Spain.

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Top buy now, pay later compared in Spain
#	Lender	Score	Features	Key facts	Actions
1	Oney Préstamos ESTop pick 5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent	8.8/10		Loan amount: €1,000 to €45,000 Arrangement fee: 3% of financed capital (apertura) Credit check: Hard	Review Compare Visit
2	Kviku	8.9/10		Loan amount: up to €2,000 Term: 2 to 12 months Funding time: instant	Review Compare Visit
3	Klarna 30% off Klarna Premium or Max for 3 months: 30% off for 3 months	9.2/10		APR: 0% to 35.99% Term: 3 to 24 months Credit check: Soft prequal	Review Compare See alternatives
4	Credissimo First loan with 0% interest: 0% interest on a first loan of up to EUR 3,000	9.1/10	Fixed rate Same day funding	APR: up to 50.75% Loan amount: €100 to €5,000 Term: 3 to 24 months	Review Compare See alternatives
5	Alma	9.0/10	Same day funding	Loan amount: €50 to €2,000 Term: 2 to 4 months Arrangement fee: 0 EUR	Review Compare See alternatives
6	Instant Credit	8.8/10	Fixed rate Same day funding	Term: 3 to 24 months Arrangement fee: Loan opening commission Funding time: Instant decision at checkout, contract signed in minutes, 100% online	Review Compare See alternatives
7	Giraffy	8.8/10	Fixed rate	APR: 7% to 35% Loan amount: $2,000 to $50,000 Term: 24 to 84 months	Review Compare See alternatives
8	Colendi	8.1/10	Same day funding	Term: 1 month Arrangement fee: 0 - no application fee Credit check: None	Review Compare See alternatives
9	Katapult US lease-to-own service with no credit check, usable at over 200 retailers through the Katapult app.	Not rated			Review Compare See alternatives