Updated September 30, 2026 · BorrowCue Editorial Team
Top home improvement loans compared in Spain
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| # | 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 |
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| 2 |  Sofkredit | 8.6/10 |
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| 3 |  Prestamiau ES | 8.9/10 |
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| 4 |  Prestamiau Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN) | 8.7/10 |
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| 5 |  Credityes First loan with APR starting from 0%: APR starting from 0% on the first loan | 8.9/10 |
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| 6 |  Credityes ES First loan at 0% TAE (0% interest): TAE 0% on the first loan | 8.8/10 |
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| 7 | Fidea | 8.9/10 |
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| 8 |  Finipay First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days | 8.9/10 |
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| 9 |  Plazo ES Cashback on purchases with the Plazo card: Up to 15% cashback at favourite brands | 8.9/10 |
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| 10 |  Vivus Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived) | 9.0/10 |
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Licensed in Spain
- Oney Préstamos ES
- Banco de España
- Sofkredit
- Banco de Espana
- Plazo ES
- Banco de España
- Prestalo
- Registro Estatal de Intermediarios Financieros
- BBVA
- Comision Nacional del Mercado de Valores (CNMV)
- Avant Money
- Banco de España
- Santander Consumer CarCredit
- Banco de Espana
- Santander Consumer CarCredit
- European Central Bank
- 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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- Personal loans in Spain
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- Home equity loans and HELOCs in Spain
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