Updated September 30, 2026 · BorrowCue Editorial Team

Top secured loans compared in Spain

45 lenders available in Spain, ranked for Spain.

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Top secured loans compared in Spain
#	Lender	Score	Features	Key facts	Actions
1	SofkreditTop pick	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
2	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
3	Wannacash ES First quick loan free of interest and fees: 0% interest and no fees on the first loan	8.3/10	Same day funding	Loan amount: €50 to €900 Term: 1 month Arrangement fee: 0 EUR - WannaCash charges the applicant nothing	Review Compare Visit
4	Youmoney ES First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE	8.9/10	Same day funding	APR: 0% to 349% Loan amount: €50 to €1,000 Term: 0.23 to 36 months	Review Compare Visit
5	Creduma ES Free financial case study (estudio gratuito): 0 EUR, no upfront payment	8.7/10		Loan amount: from €12,000 Arrangement fee: 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained Credit check: Soft prequal	Review Compare Visit
6	Finmercado	8.5/10	Same day funding	APR: from 677.47% Loan amount: MX$500 to MX$200,000 Term: 2 to 12 months	Review Compare Visit
7	Creditilia	8.7/10	Same day funding	APR: 0% to 36% Loan amount: MX$1,000 to MX$150,000 Term: 2 to 3 months	Review Compare Visit
8	Prestalo	8.8/10	Fixed rate Same day funding	APR: 4.1% to 30% Loan amount: €500 to €100,000 Term: 1 to 120 months	Review Compare Visit
9	Credy CO	Not rated		Loan types: Personal, Debt-consolidation, Car, and 3 more Use cases: Home-improvement	Review Compare Visit
10	Kreditiweb ES	8.7/10	Same day funding	APR: 3% to 30% Loan amount: €2,000 to €500,000 Term: 12 to 240 months	Review Compare Visit

Licensed in Spain

Sofkredit: Banco de Espana
Prestalo: Registro Estatal de Intermediarios Financieros
Nebeus: CNMV (Comision Nacional del Mercado de Valores) - MiCA authorisation
Nebeus: Banco de Espana (registration shown on site)
YouHodler: Banco de Espana
Acierto.com: Direccion General de Seguros y Fondos de Pensiones (DGSFP)

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Sofkredit

Top pick for Spain

8.6/10Visit