Personal loans
Funding for renovations, a vehicle or debt consolidation, with a payment you can actually afford.
What is included
Affordability review
Debt consolidation
No small print surprises
Who it is for: For funding a specific project (renovation, vehicle, studies) or tidying up debts, knowing what monthly payment you can afford.
What is worth knowing
01
Nominal rate and APR
The nominal rate is the pure interest. The APR also includes fees and other mandatory costs, and is the figure to use when comparing offers.
Products Agustín can arrange for you
Personal loan
For a renovation, a project or an emergency, with a fixed instalment.
Pre-approved online loan
For existing clients with an approved limit, funds arrive instantly.
Car loan
New, used or electric.
Salary or pension advance
One or two months in advance for an unexpected expense.
Tax payment loan
Spread your income tax or other tax payments into instalments.
Personal renting
A car or tech with one instalment that includes maintenance.
Card financing
Split purchases or bills into instalments. Convenient, but always compare the APR.
Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.
How we work
Listen
An unhurried conversation about your situation, goals and timing. Most things are decided here.
Analyse
I review what you already have, what it costs and what is missing, and compare it with the market.
Propose
I present the options with pros and cons, in writing and without unnecessary jargon.
Support
I support you through the process and review progress with you when your circumstances change.
What to bring to the meeting
- ID/NIE
- Recent payslips or tax return
- Property details (if you have one)
Watch out for
A low payment over a very long term can cost you more in total interest.
Before borrowing, make sure all your monthly payments leave room to breathe. A common reference is not to exceed around 35% of net income.
Be wary of offers asking for money upfront to process the loan.
Frequently asked questions
A loan gives you a fixed amount repaid in instalments. A credit line gives you an available limit and you pay interest only on what you use. A loan usually suits projects with a set amount.
General, indicative information on regulations and products in Spain. Terms and rules change and every case is different: they are confirmed at the meeting. It is not personalised advice or an offer.
Related services
Mortgages and housing
Feasibility study, offer comparison and support through to signing, for residents and non-residents.
Talk about thisAccounts and cards
Everyday banking done right: clear fees, cards that fit how you spend, and direct support.
Talk about thisSaving and investing
Deposits, funds and savings plans matched to your horizon and risk tolerance.
Talk about thisShall we look at your own case?
A 30-minute meeting, no commitment. You arrive with a summary and leave with clear next steps.
General information only. It is not personalised advice or a contractual offer.