Moneya INT review

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

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Our verdict

Moneya INT suits Spanish adults who want a fee free personal or consolidation loan priced at 3% to 36% and funded in Minutes. It is a broker, so the lender and the final rate are settled after you apply, and the credit check is hard.

Key facts

Best for
Borrowers in Spain who want a fee free personal or consolidation loan priced at 3% to 36% and funded in Minutes.
APR
3% to 36% (Source, checked September 26, 2026)
Loan amount
€100 to €500,000 (Source, checked September 26, 2026)
Term
2 to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (free for the applicant) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Minutes (Source, checked September 26, 2026)
Representative example
Loan of 300€ over 67 days: costs 0€, total amount repayable 300€, TAE 0% (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Users over 18 years old; site aimed at Spanish residents (ES version) (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Legal entity
WITME ADVERTISING S.L. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
moneya.es

Apps and profiles

Elsewhere
LinkedInwitme.es

Pros and cons

Pros

  • The APR range of 3% to 36% sits well below PHP 12 to PHP 36 and under the 10% to 23% Monzo Flex charges.
  • The origination fee is 0 EUR (free for the applicant) and the percentage fee is 0%, so the broker charges the applicant nothing to arrange a loan.
  • Funding takes Minutes and same day funding is listed as same day funding, which suits a shortfall that cannot wait for a long transfer.
  • Borrowing runs €100 to €500,000 and terms run 2 to 240, so a large consolidation loan can be spread over a long repayment period.
  • Support runs on phone and email, so help is available by phone and by email for both personal and consolidation loans.

Cons

  • The credit check is hard, which means an application can leave a full search on the file and offers from other lenders may be declined in the meantime.
  • The lender kind is broker, so the contract, the lender and the final rate depend on which partner is matched after you apply.
  • The 3% to 36% range is wide, so the rate you are finally offered can land anywhere between the two ends of it.
  • The representative example quotes a cost free loan, which sits below the 3% to 36% advertised range and says little about what an ordinary application costs.

Ready to try Moneya INT?

Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults living in Spain who need a personal loan or a debt consolidation loan arranged quickly and at low cost
  • Borrowers with a good credit history who can handle a hard credit check and want a broker to search partner lenders
  • People who want to borrow a large sum over a long term and prefer a fee free arrangement

Who should look elsewhere

  • Anyone living outside Spain, since the site is aimed at Spanish residents on the Spanish version
  • Borrowers who want a soft or no credit check, because the check here is hard
  • People who want a lower ceiling than 3% to 36% or a shorter window than 2 to 240

What borrowing costs

Moneya INT quotes an APR of 3% to 36% on its personal loans and its debt consolidation loans, which is the price of borrowing rather than the interest rate alone. Against the alternatives, PHP 12 to PHP 36 at Cashspace sits higher at the top end, and 10% to 23% at Monzo Flex sits higher throughout, so the quoted ceiling here is the lowest of the brands compared. The floor of 3% to 36% is below 12.25%, the median APR across personal loans on the site, which makes the cheapest offers here more competitive than a typical listing. On fees, the origination fee is 0 EUR (free for the applicant) and the percentage fee is 0%, so the broker does not charge the applicant for arranging the loan. The representative example shows a loan where the costs add up to nil and the total amount repayable matches the amount borrowed, which is a promotional illustration rather than standard pricing. Anyone reading it should treat 3% to 36% as the figure that matters for an ordinary application.

How your money is protected

Moneya INT is a broker, with lender kind broker, so your contract is with whichever partner firm the application is matched to rather than with the brand you applied through. That structure means the lender identity and the final terms are confirmed after you apply, so read the offer document before you accept. The representative example is the clearest statement of what a quoted product looks like on paper: the costs add up to nil and the total amount repayable matches the amount borrowed. Because a partner firm rather than the broker sets those figures, the example shows the shape of a deal rather than any protection sitting behind the money, so check the partner's own terms after you are matched.

Application and funding speed

Funding takes Minutes, and same day funding is listed among the features at same day funding. For a borrower covering an urgent bill or consolidating debt that is already accruing interest, that speed is the main argument for using this broker rather than waiting on a slower direct lender. The size of the loan does not narrow that range, because borrowing runs €100 to €500,000, and neither does the repayment period, since terms run 2 to 240. A large consolidation loan can be spread across a long term so that each monthly payment stays manageable, while a small personal loan can be cleared in a short term. The speed applies from approval rather than from the moment you apply.

How Moneya INT compares

Where Moneya INT is available

Available
Colombia, Italy, Mexico, Poland, Portugal, Romania, Spain

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

Frequently asked questions

How much does a Moneya INT loan cost to arrange?+

The origination fee is 0 EUR (free for the applicant) and the percentage fee is 0%, so nothing is charged to the applicant for arranging the loan. Borrowing itself is not free, and the quoted price of the money is an APR of 3% to 36%. Check the costs and the total repayable in the offer document after a partner lender is matched.

Is Moneya INT a lender or a broker?+

Moneya INT is a broker, so it introduces applicants to partner lenders rather than lending from its own balance sheet. Your contract is with the partner firm, which sets the final rate and the terms. That is why the 3% to 36% quoted here is a range rather than a single guaranteed figure.

How fast can I get the money once a loan is approved?+

Funding takes Minutes, and same day funding appears in the feature list as same day funding. The size of the loan should not change that, since borrowing runs €100 to €500,000. The speed applies from approval, not from the moment you submit, because the credit check is hard.

What credit check will Moneya INT run?+

The credit check is hard, which means a full search that other lenders can see. A hard check is the most common type among personal loans on the site, at 76.5%, so it is normal for this product type. A soft search would suit a borrower who is less sure about their file.

Can I borrow enough to consolidate my debts?+

Debt consolidation is one of the loan types offered, alongside personal loans, so a consolidation loan can be arranged through the same application. Terms run 2 to 240, which lets a large balance be spread over a long repayment period. Borrowing runs €100 to €500,000, so check that the total you owe sits inside that range.

Do I have to be in Spain to apply?+

The site is aimed at Spanish residents and is served through the Spanish version, so eligibility is set at a minimum age for adults resident in Spain. Applicants who are not Spanish residents are not the intended market for this service. If you live elsewhere, a broker in your own market is the better route.

Is the headline cost free example what a standard application costs?+

The representative example shows costs of nil, a total repayable equal to the amount borrowed and no interest at all. That is an illustration of a promoted product rather than ordinary pricing, which runs at an APR of 3% to 36%. Judge a standard application on that range rather than on the example.

Can I choose my own repayment period?+

Terms run 2 to 240, so you can pick a short repayment period or spread a larger balance across many months. The long end of that range suits a consolidation loan where monthly payments need to stay small, while the short end suits a quick fix. Ask the matched partner lender about any early repayment charge before you borrow.

Sources

  • moneya.es checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Term

  • moneya.es/aviso-legal checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity, Support channels

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

Moneya INT

Borrowers in Spain who want a fee free personal or consolidation loan priced at 3% to 36% and funded in Minutes.

8.8/10See alternatives

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