online personal loan

Payroll Personal Loan

Payroll Personal Loan

For what you need or what you want 

Become a customer

For what you need or what you want 

Apply

A competitive interest rate

Annual nominal interest rate (NIR) from 6,95%(1) and APR 7,18%(2)

From 300€ to 24.000€ and no application or opening fees

Use the loan however you want and save on application and opening fees.

Borrow for up to 5 years

At your own pace, from 12 months to 5 years to repay.

Personalised service

One of our specialists will explain everything with no obligation.

The money you need and with up to 5 years to repay

  • 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.

A competitive interest rate without application or opening fees

  • Annual nominal interest rate (NIR) from 6,95(1) (APR 7,18% (2)). Just for directly paying in your salary, equal to or greater than 900€.

  • You save on application and opening fees. You will receive the full amount of the loan in your account.

Easy and convenient for you

  • ​​​​​​​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% (7,18% 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 11.866,80€. The interest rate applied may vary up to 8,45 NIR (8,79% 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.

Become a customer in just three steps, wherever you are

Become a customer in just three steps, wherever you are

1

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.

2

Confirm your identity

Without having to go anywhere. By video call, providing your account number in another bank or with a messenger.

3

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.

  

Do you want to learn more about the Payroll Personal Loan?

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 8,10 NIR (8,41% 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 203,24€ 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.

  • Application fee: 0%
  • Arrangement fee: 0%
  • Early repayment fee: 0,50% (if there is less than one year until the loan matures) or 1% (if there is more than one year) of the amount of the loan repaid early.

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.

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 8,10 NIR (8,41% 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 203,24€ 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.

  • Application fee: 0%
  • Arrangement fee: 0%
  • Early repayment fee: 0,50% (if there is less than one year until the loan matures) or 1% (if there is more than one year) of the amount of the loan repaid early.

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.

You must be an Openbank customer to apply for a payroll personal loan.

If you’re not yet a customer, become one or call us at 91 177 33 37.

Apply