Cashper ES review

Cashper charges a fixed rate, so the percentage you sign for is the one that applies through the term. The stated APR runs 2,450% to 59,141%, and that headline figure is what makes a short loan look expensive: a small balance carried briefly turns into a large annual number. Weigh 2,450% to 59,141%, not the cash you hand back.

There is a handling charge, and it is not spread evenly. It applies to the shortest terms, and on smaller loans in the lower part of €50 to €1,000 it also applies across the longer terms. Because the charge follows term length and size, the smallest sum over the shortest 15 to 45 you can clear keeps it down.

Loans run €50 to €1,000, with terms of 15 to 45. That range suits a bridging bill rather than a car, a deposit or a consolidation plan. Cashper covers personal and payday style lending (personal and payday), so the same ceiling and the same term window apply on either route. Larger sums need a different lender.

Disbursement is a bank transfer rather than a balance top up, with Transfer effective in 24 to 48 hours. That timeline suits a bill landing before your next payday, and it is far quicker than a mortgage or a personal loan process. Have your account details ready, because the transfer is what sets the repayment date.

The application uses a hard credit check, which means a full search that lenders can see afterwards. A softer pre-qualification would leave a lighter trace. If your file is thin, expect the top of 2,450% to 59,141% or a refusal, so check your report first rather than after applying.

You need to be an adult with permanent residence in Spain. The lender is Bank DiMare Limited, based in Malta, and it appears in the Spanish register held by Banco de Espana as well as with the Malta Financial Services Authority. Check the Spanish register entry before passing on bank details.

Yes, and there is no extra charge for doing it, which is unusual at this price level. Interest and the handling fee are set for the term you take, so settling early stops the cost accruing rather than triggering a penalty. Choose a 15 to 45 window you can clear sooner if your income moves around.

The example is deliberately small: a short loan, a handling fee, the total repayable and the TAE shown alongside. Read the total you repay, not the headline annual figure, since the fee does much of the work on a loan this short. 2,450% to 59,141% is the number to weigh against cheaper lenders.

Support runs on email, phone and help centre, so you can email, call or work through the help centre. That matters here, because the amounts look small until the fee is added. Keep the agreement and the repayment dates together, and use the phone or email route to query anything you did not expect.