Haycredito review
Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Haycredito is a Spanish direct lender for adults with a Spanish bank account who need money quickly, and cost is the trade-off to weigh: the headline APR is 82,901.36%. Same-day payout and no guarantor soften that, but the rate is the reason to compare first.
Key facts
- Best for
- Money the same day for a Spanish bank account holder who can carry a rate of 82,901.36%.
- APR
- 82,901.36% (Source, checked September 26, 2026)
- Loan amount
- €100 to €1,500 (Source, checked September 26, 2026)
- Term
- 5 to 30 months (Source, checked September 26, 2026)
- Credit check
- Hard (Source, checked September 26, 2026)
- Funding time
- Money sent immediately after approval, usually same day or next business day morning (Source, checked September 26, 2026)
- Representative example
- Primer loan 100 EUR over 30 days, repay 173.75 EUR, TAE 82,901.36%, TIN 521.43% (Source, checked September 26, 2026)
- Rate type
- Fixed (Source, checked September 26, 2026)
- Lender type
- Direct lender (Source, checked September 26, 2026)
- Free early repayment
- Yes (Source, checked September 26, 2026)
- Eligibility
- Must be of legal age, hold DNI/NIE and own a Spanish bank account with a debit card; no guarantor or payslip required, ASNEF listing does not block an application (Source, checked September 26, 2026)
- Loan types
- Payday, Personal (Source, checked September 26, 2026)
- Legal entity
- HAY CREDITO SOCIEDAD LIMITADA UNIPERSONAL (NIF B75702647) (Source, checked September 26, 2026)
- Headquarters
- Spain (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Fixed rate
- Features
- Same-day funding
- Official website
- haycredito.es
Apps and profiles
- Elsewhere
- facebook.cominstagram.com
Pros and cons
Pros
- No guarantor or payslip is needed, and an ASNEF listing does not block an application.
- Money goes out as soon as approval lands, usually the same day or the next business day morning.
- Free early repayment is on, so clearing the balance ahead of schedule adds no charge.
- Support runs on phone, email and chat, so a phone line sits alongside email, chat and a help centre.
Cons
- The headline APR of 82,901.36% sits well above the payday loan median of 36.5% on a first loan.
- Amounts run €100 to €1,500 and terms run 5 to 30, so this covers a shortfall, not a large purchase.
- Every application carries a hard credit check (hard), with no soft search to preview an offer.
Who it suits
- Adults in Spain with a Spanish bank account facing a bill before the next payday.
- Borrowers whose ASNEF listing would put most lenders off, since it does not block an application here.
- People who plan to clear the balance early, because free early repayment is on.
Who should look elsewhere
- Anyone shopping on rate alone: Monzo Flex runs at 10% to 23%, far below 82,901.36%.
- Borrowers wanting a longer term, since terms run 5 to 30; Cashspace ES at 0% is worth a look.
- Applicants without a DNI/NIE and a Spanish account rule out this lender; Cashspace at PHP 12 to PHP 36 is the alternative to weigh.
How Haycredito compares
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Where Haycredito is available
- Available
- Spain
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much can I borrow from Haycredito?+
Amounts run €100 to €1,500, so this is sized for a shortfall before payday rather than a large purchase. Terms run 5 to 30, which keeps the calendar short. Pricing is fixed (fixed), so the rate does not move once the loan is agreed.
What rate do I pay for the loan?+
The headline APR is 82,901.36%. The published example is a first loan at the smallest amount repaid over a short term, with the total paid back well above the sum borrowed. For context, the median APR across payday loans listed here is 36.5%.
How quickly is the money sent?+
Money is sent as soon as approval lands, usually the same day or the next business day morning, and the listing records same-day funding (same day funding). The hard credit check (hard) runs first, so the wait covers the decision on the file as well as the transfer.
Who is eligible to apply?+
Applicants need to be an adult, hold a DNI or NIE, and keep a bank account in Spain with a debit card. A guarantor and a payslip are not needed, and an ASNEF listing does not stop a file from going through. The lender decides for itself, being a direct lender (direct lender) based in Spain (ES).
Does a hard credit check rule me out?+
Every application runs a hard credit check (hard) rather than a soft search. An ASNEF listing does not stop the file from going through, which widens who reaches the decision. The balance then runs on 5 to 30 terms, so the borrowing period is short.
Can I repay the loan early?+
Free early repayment is on, so clearing the balance ahead of schedule carries no extra charge. That offsets part of the 82,901.36% headline rate rather than all of it, and terms of 5 to 30 mean the balance is designed to be short lived.
Which company am I dealing with?+
The contracting company is HAY CREDITO SOCIEDAD LIMITADA UNIPERSONAL, a direct lender (direct lender) based in Spain (ES). It covers payday and personal loans (payday and personal) under one name, with a fixed rate (fixed). Applications and support run through the same company.
How do I get help with my loan?+
Support runs on phone, email and chat, so a phone line sits alongside email, chat and a help centre. Queries raised before approval get an answer while there is still a choice to make. The help centre also sets out the same-day funding and early repayment terms.
Sources
- haycredito.es checked September 26, 2026
Backs: Loan amount, APR, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type, Representative example, Term
“Dirección: Calle Profesor Beltrán Baguena, 4 – Edificio Trade Center I, Oficina 401, 46009 Valencia, España”
- haycredito.es/como-funcional checked September 26, 2026
Backs: Eligibility, Features
- haycredito.es/preguntas-frecuentes checked September 26, 2026
Backs: Credit check, Free early repayment, Funding time, Support channels
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Arrangement fee.
Related by the facts
Reviews
Haycredito
Money the same day for a Spanish bank account holder who can carry a rate of 82,901.36%.