Personal Loan

Personal Loan

For whatever you need or want 

Become a customer

A competitive interest rate

Annual nominal interest rate (NIR) from 6.95% and APR 7.18%(1)

From €300 to €24,000

Use the loan however you want and save on application and arrangement fees. Early repayment (full and/or partial) fees apply(2)

For up to 5 years

At your own pace, from 12 months to 5 years to pay it back.

Personalised service

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

  • 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.(3)

A competitive interest rate

  • Interest rates from (7.18% APR(1)) to 14.25% (15.22% APR), depending on your circumstances.

  • 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

  • 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.

onboarding

Become a customer in just three steps, wherever you are

1

Fill out your details

To become a customer, 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.

2

Confirm your identity

With no need to go anywhere. By video call, providing your account number in another bank.

3

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.