Personal Loan
Annual nominal interest rate (NIR) from 6.95% and APR 7.18%(1)
Use the loan however you want and save on application and arrangement fees. Early repayment (full and/or partial) fees apply(2)
At your own pace, from 12 months to 5 years to pay it back.
One of our specialists will give you all the details with no strings attached.
The money you need and with up to 5 years to pay it back
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Apply for between €300 and €24,000 for your studies, a car, holidays or anything you want.
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Repay the loan over a flexible period of between 12 months and 5 years.(3)
A competitive interest rate
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Interest rates from (7.18% APR(1)) to 14.25% (15.22% APR), depending on your circumstances.
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You save on application and arrangement fees. Early repayment (full and/or partial)(1) fees apply. You will receive the full amount of the loan in your account.
Simple and convenient
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With a personal advisor to explain all the details and process. No strings attached!
(1) Annual NIR of 6.95% (7.18% APR). Representative example for your loan of €10,000 over 60 months with 59 monthly repayments of €197.78 and a final instalment of €197.53. No application fee. Total amount to pay (principal + interest) of €11,866.80. Total cost of loan (interests) €1,866.80. French amortisation schedule. The applicable interest rate may increase to 14.25% NIR (15.22% APR), depending on the risk approval by Openbank. Representative example for your loan of €10,000 over 60 months with 59 monthly repayments of €233.98 and a final instalment of €234.01. Total amount to pay (principal + interest) of €14,038.83. Total cost of loan (interests) of €4,038.83. French amortisation schedule.
(2) Fee for full and/or partial prepayment: 0.50% (if there is less than one year left before the loan matures) or 1% (if there is more than one year) of the loan amount that is repaid early.
(3) Minimum repayment term is 12 months and maximum 5 years, provided that the sum of the holder's age and the term of the loan does not exceed 70 years.
Open an account in just three steps, no matter where you are
Fill out your details
To open an account, we need to know a few things about you. Fill out the online form and choose your passcode. Have your DNI or NIE at hand.
Verify your identity
From the comfort of your own home. By video identification or using the number of your account at another bank.
Sign electronically
We will send you an SMS text with a security code to access your contract so that you can sign it online.
Apply for your Personal Loan here.
