Ibancar Prestamos review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.

Key facts

Best for
Spanish residents with a car to pledge who want 12.74% to 13.01% fixed borrowing funded Same day, up to 24 hours.
APR
12.74% to 13.01% (Source, checked September 26, 2026)
Loan amount
€600 to €8,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Funding time
Same day, up to 24 hours (Source, checked September 26, 2026)
Representative example
1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted (Source, checked September 26, 2026)
Loan types
Personal, Car, Secured (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Ibancar World SL (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
ibancar.com

Apps and profiles

Elsewhere
LinkedInblogibancar.com

Pros and cons

Pros

  • A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
  • 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
  • Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
  • Secured against a pledged car, and ASNEF-listed applicants are accepted on the eligibility criteria
  • Money can arrive Same day, up to 24 hours on a car loan

Cons

  • Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
  • Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
  • Terms are capped at 12 to 60, so a large balance has to clear quickly
  • Only applicants resident in Spain who own the pledged car qualify, which excludes borrowers elsewhere in Europe
Ibancar Prestamos

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
  • Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
  • People who need money moving Same day, up to 24 hours rather than waiting on a longer application route

Who should look elsewhere

  • Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
  • People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
  • Residents outside Spain, who fall outside the eligibility criteria and would need a local lender instead

What borrowing costs

The headline cost is 12.74% to 13.01% across the personal, car and secured loans in personal, car and secured. Pricing is fixed and fixed rate, so the monthly figure holds for 12 to 60 instead of resetting with the market. The representative example takes a small balance over a mid length term, adds interest on top of the amount borrowed and states the total repayable up front, so the whole cost sits on a single line. €600 to €8,000 sets the ceiling, which suits a repair bill, an invoice or a deposit rather than a house move. Against the wider set, the 12% median and the 6.13% lower quartile place 12.74% to 13.01% towards the cheaper part of personal lending, and well inside the 52.97% top of the bad credit field. Eligibility is stated as poor, and the ASNEF acceptance on the eligibility criteria widens who can qualify.

How your money is protected

Ibancar Prestamos is a direct lender, so Ibancar World SL holds the credit on its own balance sheet rather than passing your application to a panel of outside lenders. The representative example sets out the interest and the total repayable in advance, which means the cost is fixed on paper before anything is signed. The security is the car you pledge, and missed payments put that car at risk, a sharper lever than a lender has over an unsecured borrower. Eligibility covers applicants resident in Spain, including the mainland, the Balearic Islands and the Canary Islands, who own the pledged car, and ASNEF-listed applicants are accepted, which is a wider door than most secured lenders open.

The company behind it

The lender is Ibancar World SL, based in Spain, and the products in personal, car and secured run through that one entity. Because it lends its own money, the terms come from a single decision maker rather than an intermediary passing your details around. Support runs on phone, email and help centre only, so an existing borrower reaches a person by phone, by email or through the help centre, with no counter service. Payout on a car loan runs Same day, up to 24 hours, and the same-day funding listed in same day funding points the same way. Applications turn on the car you own and on your residency rather than on a savings balance.

How Ibancar Prestamos compares

Where Ibancar Prestamos is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the cheapest way to borrow from Ibancar Prestamos?+

The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.

Who can apply for a loan here?+

Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.

Is Ibancar Prestamos a lender or a broker?+

It is a direct lender, which means Ibancar World SL carries the loan on its own books and sets the terms itself. That matters because the rate 12.74% to 13.01% and the term 12 to 60 come from one decision rather than from a panel of outside lenders competing for your details.

How long does it take to get the money?+

Payout on a car loan runs Same day, up to 24 hours, and the same-day funding listed in same day funding points the same way. The clock starts once your residency and car ownership meet the eligibility criteria. Speed is the strongest reason to pick a secured route over a slower intermediary.

Is a car really required to borrow?+

Yes, because the car is the security. The pledged vehicle is what makes the 12.74% to 13.01% rate available, and the eligibility criteria ask applicants to own it. ASNEF-listed applicants are still accepted, so a credit file does not block you, but the car does.

How much can I borrow, and for how long?+

Loans run €600 to €8,000 over 12 to 60 at fixed pricing. That range covers a repair bill, an invoice or a deposit, not a house purchase. Secured lenders elsewhere reach €16,443.04, so a bigger balance means looking at a different provider.

How do I get help once the loan is running?+

Support runs on phone, email and help centre only, so phone, email and the help centre are your routes after approval. There is no counter service in that list. Borrowers who want a wider mix of channels have to weigh that against 12.74% to 13.01% before they apply.

Sources

  • ibancar.com checked September 26, 2026

    Backs: Loan amount, APR, Features, Headquarters, Legal entity, Lender type, Pricing model, Rate type, Representative example, Support channels, Term

    “TIN 12.1% (mín.) y 12.1% (máx.)”

  • ibancar.com/credito-coche checked September 26, 2026

    Backs: Credit needed, Eligibility, Funding time, Loan types

    “Aceptamos personas en Asnef”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

Ibancar Prestamos

Ibancar Prestamos

Spanish residents with a car to pledge who want 12.74% to 13.01% fixed borrowing funded Same day, up to 24 hours.

9.0/10Visit

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