Updated September 29, 2026 · BorrowCue Editorial Team

Top debt consolidation loans compared in Spain

47 lenders available in Spain, ranked for Spain.

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Top debt consolidation loans 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	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
6	Pezetita First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days	8.8/10	Fixed rate Same day funding	APR: 0% to 36% Loan amount: €100 to €5,000 Term: 3 to 4 months	Review Compare Visit
7	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
8	Finipay First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days	8.9/10	Same day funding	APR: 0% to 212% Loan amount: €300 to €5,000 Term: 3 to 60 months	Review Compare Visit
9	Finteres Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days	8.8/10	Same day funding	APR: 0% to 36% Loan amount: €100 to €5,000 Term: 3 to 4 months	Review Compare Visit
10	Repagalia ES	Not rated		Arrangement fee: Service fee charged, mostly calculated as a percentage of the savings achieved and already included in the liquidation plan Credit check: None Lender type: Broker	Review Compare Visit

Licensed in Spain

Sofkredit: Banco de Espana
Repagalia ES: Ministerio de Justicia - Registro de mediador concursal (administracion concursal services)
Prestalo: Registro Estatal de Intermediarios Financieros
Avant Money: Banco de España
Rastreator: Direccion General de Seguros y Fondos de Pensiones (DGSFP)
Rastreator: Banco de Espana
Acierto.com: Direccion General de Seguros y Fondos de Pensiones (DGSFP)

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Deudafix

Top pick for Spain