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Annual nominal interest rate (NIR) from 6,95%(1) and APR 7,17%(2)
Use the loan however you want and save on application and opening fees.
At your own pace, from 12 months to 5 years to repay.
One of our specialists will explain everything with no obligation.
Apply for between 300€ and 24.000€ for your studies, a car, holidays or anything you want.
Repay the loan over a flexible period of between 12 months and 5 years.
Pay your salary directly into your Openbank account, and take advantage of the best interest rates from 6.95%(1) (7,17% APR(2)) to 8.45% (8,78% APR), depending on your circumstances.
You save on application and opening fees. You will receive the full amount of the loan in your account.
With a personal attendant to explain all the details and process. With no obligation!
(1) Provided that you fulfil the following requirement: Have your salary or any other regular payment received by transfer as remuneration paid directly into Openbank. The amount of any of the above payments must be equal to or greater than 900 € per month. You will have three months from the arrangement of the loan to start directly paying in your wage. If you do not fulfil the above requirement, the interest rate applicable after non-fulfilment will vary and will be the result of adding an additional margin of 2,00% to the annual nominal interest rate.
(2) Annual NIR of 6,95% (7,17% APR). For your loan of 10.000€ over 60 months, you must make 60 monthly repayments of 197,78€ each. No opening fee. Total amount to pay (capital + interest) of 11.866,80€. The interest rate applied may vary up to 8,45 NIR (8,78% APR), depending on the approval of risk by Openbank. For your loan of 10.000€ over 60 months, you must make 60 monthly repayments of 204,92€ each. Total amount to pay (capital + interest) of 12.295,46€. These APRs have been calculated on the assumption the applicant will fulfil the requirement described in reference (1) above during the entire life of the contract.
Complete the online form
To become a customer, we need to know a few things about you. Complete the online form and choose your access code.
Confirm your identity
Without having to go anywhere. By video call, providing your account number in another bank or with a messenger.
Sign electronically
We will send you an SMS text with a security code in order to access your contract so that you can sign it online.
It is a personal loan that you can request for whatever you need or whatever you want, your education, a trip, renovations to your house, a car etc.
The minimum repayment period is 12 months and the maximum is 5 years.
To apply for it, you just have to directly pay in your wage, equal to or greater than 900€.
The minimum amount is 300€ and the maximum is 24.000€.
The Payroll Personal Loan has a very competitive nominal interest rate, from 6,95%NIR(1) (7,18% APR(2)). We just ask you to directly pay in your wage equal to or greater than 900€.
For example for a personal loan of 10.000€ over 5 years, your monthly repayments will be 197,78€. No opening fee. The total amount owed, including principal and interest, would be 11.866,57€.
(1) Provided that you fulfil the following requirement: Have your salary, or any other regular payment received by transfer as remuneration paid directly into Openbank. The amount of any of the above payments must be equal to or greater than 900€ per month. You will have three months from the arrangement of the loan to start directly paying in your wage. If you do not fulfil the above requirement, the interest rate applicable after non-fulfilment will vary and will be the result of adding an additional margin of 2,00% to the annual nominal interest rate.
(2) Annual NIR of 6,95% (7,18% APR). For your loan of 10.000€ over 60 months, you must make 60 monthly repayments of 197,78€ each. No opening fee. Total amount to pay (capital + interest) of 11.866,8€. The interest rate applied may vary up to 8,48 NIR (8,78% APR), depending on the approval of risk by Openbank. For your loan of 10.000€ over 60 months, you must make 60 monthly repayments of 204,92€ each. Total amount to pay (capital + interest) of 12.194,40€. These APRs have been calculated on the assumption the the applicant will fulfil the requirement described in reference (1) above during the entire life of the contract.
If you would like to apply for your Payroll Personal Loan or need more information, leave us your details and we will call you inmediately.
We make it extremely simple for you. Leave us your details and we will call you inmediately. Our specialist investment team will give you any assistance you require.
If you are a Openbank customer, apply for a payroll personal loan by calling to 912762256 from 9 to 21h fron monday to friday.
If you’re not yet a customer, become one or call us at 91 177 33 37.
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