Solcredito review

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

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Our verdict

Solcredito suits Spanish borrowers with a poor credit file needing a small amount quickly, and the arrangement fee on the personal loan offer is 0 EUR. It is a broker rather than a lender, so the rate depends on which lender answers, with rates running as high as 0% to 3,752%.

Key facts

Best for
Borrowers in Spain with a thin credit file who need a small amount quickly.
APR
0% to 3,752% (Source, checked September 26, 2026)
Loan amount
€50 to €5,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Funding time
Decision in 15 minutes, money in your bank account within a few hours (Source, checked September 26, 2026)
Representative example
1,500.00 EUR credit line drawn in full at first draw, repaid in 12 instalments, 20.04% annual rate (1.67% monthly), resulting TAE 21.99%, no fees (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Credit-line (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Fiizy OU (registration code 12694462) (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Founded
2011 (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
solcredito.mx

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Arrangement fee of 0 EUR on the personal loan offer, and the representative example records no fees on the credit line
  • A decision in minutes and money in the account within a few hours
  • Accepts a poor credit profile, which covers a large share of the loans on the site
  • Covers personal, payday and debt consolidation, so consolidation and short bridging both sit under one application
  • Built around same day funding and credit line, letting you draw and repay a revolving line as needed

Cons

  • The cost range runs up to 0% to 3,752%, well above the 25.03% upper quartile for personal loans on the site
  • Solcredito is a broker, so the lender setting the rate is not named in the offer
  • Support runs on email and help centre only, with no phone line listed
  • The lending ceiling of €50 to €5,000 sits well below the €2,500 mark for personal loans
Solcredito

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults in Spain with a poor credit profile who need money in the account the same day
  • Borrowers covering home improvement who can repay inside 3 to 60
  • People who prefer written support through a help centre and email rather than by phone

Who should look elsewhere

  • Borrowers with a strong credit file, who will find rates well under the 0% to 3,752% ceiling on a direct lender
  • Anyone needing to borrow more than €50 to €5,000 or to repay over a longer period than 3 to 60
  • Readers who want a named lender and a regulated protection scheme, neither of which appears for this broker

Application and funding speed

Solcredito is a broker rather than a lender, so the speed comes from the partner lenders it works with. A decision arrives in about a quarter of an hour, and the money lands in your bank account within a few hours, which is the same-day funding profile most of the offers on the site share. Sizes run €50 to €5,000, so this suits bridging a bill or a small home project rather than funding something large. Repayment terms run 3 to 60, giving room to stretch a payday style balance over a longer period if a partner lender will agree. The stated use case is home improvement, and applications are open to adults within a stated age range who live in Spain, hold a current account at a national bank and have their own email address and mobile number. Some partner lenders ask for a higher minimum age. Fast approval does not guarantee approval: the partner lender sets the final rate and the amount, and the transfer still depends on your bank.

What borrowing costs

The headline cost is interest, and Solcredito's published annual rates run 0% to 3,752%. That top figure is well above the 25.03% mark at which three quarters of personal loans on the site sit, so treat the top of the range as a warning rather than a price you are likely to pay. Against that, the arrangement fee is 0 EUR on the personal loan offer, and the representative example records no fees on the credit line it illustrates. The example works through a credit line drawn in full at first draw, repaid over a set number of instalments, giving a stated annual rate, a monthly rate, the resulting TAE and no fees. Read the TAE in any offer rather than the monthly figure, because the monthly rate is the easiest number to misread. Solcredito is a broker, which matters for cost: the rate you are offered is set by whichever partner lender responds, and any cost it embeds appears in the rate rather than in a separate line on the site.

How your money is protected

Protection here depends on what the representative example shows and on the fact that Solcredito is a broker. The worked example is the clearest statement of cost: a credit line drawn in full, repaid in instalments, with a stated annual rate, the resulting TAE and no fees. Nothing beyond that is protected by a scheme named here, and no regulator or deposit protection is listed for the service. Because the company is a broker, the contract you sign sits with the partner lender that approves you, not with Solcredito, so the terms, the fee profile and any redress route are set at that level. Practical takeaway: the representative example tells you how cost is built, but the safety of the money depends on reading the offer from the named lender before you draw on a line, and on knowing which lender the terms came from.

The company behind it

The service is run by Fiizy OU (registration code 12694462), a registered entity based in Estonia, and it has been trading since 2011. Its terms describe it as a broker, so the site matches borrowers with partner lenders rather than carrying the lending risk itself. The registered name and its registration details sit in the terms, which is the first place to look when you want to know who stands behind an application. Applications are built for a single market: residents of Spain, with a current account at a national bank, an own email address and an own mobile number required. Cover runs on email and help centre, so questions are answered in writing and you keep a record of each reply. That suits straightforward queries, though anything urgent about a live loan or a payment date takes longer without a phone line. Read together, the entity details, the operating history and the written support model describe a matching service with a long presence in its home market.

How Solcredito compares

Where Solcredito is available

Available
Mexico, Spain

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

Frequently asked questions

What rate will I pay through Solcredito?+

Annual rates run 0% to 3,752%, a wide spread that reflects the partner lenders Solcredito works with rather than one set price. The site's median personal loan rate is 12%. The representative example shows a credit line drawn in full, repaid over a set number of instalments at a stated annual rate and monthly rate, with the resulting TAE and no fees.

Are there arrangement fees or hidden costs?+

The arrangement fee is 0 EUR on the personal loan offer, and the representative example states no fees on the credit line it illustrates. A broker can still pass on lender costs inside the rate itself, so the figure to weigh is the TAE in any offer you receive.

How fast can I get the money?+

A decision comes in about a quarter of an hour, and the money reaches your bank account within a few hours. The loan sizes on offer are €50 to €5,000, and terms run 3 to 60. Payout speed depends on your bank handling the transfer once a partner lender approves.

What do I need to qualify?+

Eligibility covers adults up to a stated maximum age who live in Spain, hold a current account at a national bank and have their own email address and mobile number. Some partner lenders set a higher minimum age, so the exact age floor depends on which lender responds.

Who am I dealing with, and is my money protected?+

Solcredito is a broker run by Fiizy OU (registration code 12694462), based in Estonia. You deal with a matching service that sends your details to partner lenders, and the contract you sign is with whichever of them approves. No licence or deposit protection is listed for the site itself.

What kinds of loan can I get?+

The catalogue covers personal, payday, debt consolidation and credit line lending, and home improvement is the stated use case. Both same day funding and credit line are offered, so you can draw a revolving line and repay only what you use, or take a fixed personal loan for a planned purchase.

How do I get help once I have applied?+

Support runs on email and help centre: email and a help centre. That suits questions you can put in writing and keeps a record of the answer, but it is slower than picking up the phone, which is not among the listed channels.

Who is Solcredito aimed at?+

The service has been running since 2011 and is built for a single market, with applications limited to residents of Spain. That focus explains the small €50 to €5,000 ceiling: it is a short-term bridging offer, not a long-term borrowing relationship.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Solcredito

Solcredito

Borrowers in Spain with a thin credit file who need a small amount quickly.

9.0/10Visit

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