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Loan Calculator Spain
Free, 100% digital loan calculator
Calculate and save money with lower interest rates
Instant answers from multiple lenders
Recommended
Amount
EUR 50 – 300
Term
7-30 days
Interest rate
0%*
Verified Company
Fast and easy process
Loan up to €850 for existing customers
*The APR for the first loan of €250 to €300 is 0% if there is no delay in repaying. The simulation is not a binding offer. Approval is subject to evaluation by the applicant.
Amount
EUR 500 – 60.000
Term
19-52 months
Interest rate
24.10%
Verified Company
Immediate response
No opening or maintenance fees
*For a €1,500 revolving loan, with a fixed interest rate of 21.79% per year and an APR of 24.10%, it is repayable in 48 installments: 47 of €47.25 per month, with a final installment of €33.53. Total cost of the loan/total interest: €754.28. Total amount owed/total installment price: €2,254.28. The repayment method will always be revolving. French amortization system.
**For a €10,000 loan, with a fixed interest rate of 6.77% per year and an APR of 6.99%, it is repayable in 48 installments: 47 of €238.40 per month, with a final installment of €238.26. Total loan cost/total interest: €1,443.06. Total amount owed/total installment price: €11,443.06. French amortization system.
Amount
EUR 200 – 75.000
Term
2-72 months
Interest rate
7-35%
Verified Company
Immediate response
Get financing in minutes
Creditio won’t charge you for using its services. Creditio offers flexible personal loans with repayment terms from 61 days to 6 years, with a minimum APR of 7% and a maximum APR of 35%. For example, if you apply for a €5,000 loan to be repaid over 24 months, €4,825 will be credited to your bank account (€5,000 less the bank’s administration fees, which in this case will be 3.5% of the total amount). The total amount to be repaid will be €5,482.17 with an APR of 9.38%. This offer is subject to review by the bank and contract signature.
Amount
EUR 4.000 – 60.000
Term
12-96 months
Interest rate
7.96-15,24%
Verified Company
Immediate response
Recieve deposit within 48 hours
*Example: €18,000 loan over 96 months. APR 6.99%, APR 7.96%, with a 2.5% origination fee, €450 cash, installment €245.32. Total amount owed: €24,000.72. Total interest: €5,550.72. Total cost of credit: €6,000.72. French amortization system. For €10,000 over 48 months, APR 12.89%, APR 15.24%, with a 2.5% origination fee, €250 cash, installment €267.73. Total amount owed: €13,101.04. Total interest: €2,851.04. Total cost of credit: €3,101.04. French amortization system. APR from 6.99% to 12.89% (APR from 7.96% to 15.24%). The APR may vary depending on the amount, term, purpose, and analysis of the information provided. The APR may vary depending on the APR and the origination fee. For loan amounts from €6,000 to €60,000, the term ranges from 48 to 96 months. For loan amounts under €10,000, the maximum term is 60 months; for amounts equal to or greater than €10,000, the maximum term is 96 months. Offer subject to prior authorization by Banco Cetelem S.A.U. after reviewing the documentation provided and signing the contract.
Amount
UP TO €600
Term
61-120 days
Interest rate
636-2.932%
Verified Company
Payout within 20 minutes
Payback in up to 4 installments
As an example, for a €400 quick loan to be repaid in 4 months, the installments would be €195.26 and the interest would be €381.06, equivalent to an APR of 2.932%. The minimum financing limit is 1 month and a maximum of 4 months. The annual APR is a minimum of 636% and a maximum of 2.932% for this representative example. All calculations are illustrative and may differ from the final product terms. For loans, the APR varies depending on the amount and term and is indicated in the terms and conditions of your application.
Curious About Your Loan Costs? Use Our Calculator to Find Out Instantly
Want to know how much a loan will really cost you each month? With our loan calculator, you can enter your desired amount, loan term, and interest rate to get an instant estimate of your monthly payments and total repayment. No sign-up, no waiting—just real numbers tailored to your input.
How to Use Our Loan Calculator
Our calculator is designed to give you a fast and accurate estimate based on three key inputs:
- Amount – Enter how much you want to borrow. You can adjust this to see how different loan sizes affect your payments.
- Term – Select how long you want to repay the loan (e.g., 12–96 months). Longer terms lower your monthly payment but increase total interest.
- Purpose – Choose the reason for your loan (e.g., personal, car, mortgage). This helps us match your input with average market rates for that loan type.
Once you’ve entered the details, the tool instantly shows your estimated monthly payment and total repayment, helping you plan with confidence.
How Does a Loan Calculator Work?
A loan calculator uses a standard amortization formula to estimate your monthly payments based on the loan amount, term, and interest rate. It breaks down the repayment into equal installments that include both principal (the amount borrowed) and interest (the cost of borrowing).
The calculator assumes a fixed interest rate and equal monthly payments throughout the loan term. While the exact rate you receive may vary depending on your credit profile and lender, the results give you a realistic picture of what to expect—before you apply.
Example of a Loan
Below is a table showing how different loan amounts and terms affect your monthly payments and total repayment. These examples use a fixed interest rate of 7% (APR) to illustrate realistic scenarios.
| Loan Amount | Term | Monthly Payment | Total Repayment | Interest Paid |
|---|---|---|---|---|
| €5,000 | 24 months | €224.99 | €5,399.76 | €399.76 |
| €10,000 | 36 months | €308.77 | €11,115.72 | €1,115.72 |
| €15,000 | 48 months | €359.36 | €17,449.28 | €2,449.28 |
| €20,000 | 60 months | €396.02 | €23,761.20 | €3,761.20 |
| €25,000 | 72 months | €426.55 | €30,711.60 | €5,711.60 |
These figures are estimates and assume no setup fees or early repayment penalties. Actual offers may vary depending on the lender and your financial profile.
FAQ
Loan Calculator
No. The result is only an estimate based on typical interest rates. Actual loan terms depend on your credit profile, income, and the lender’s assessment.
We apply an average fixed rate based on the loan type you select. This gives a realistic benchmark, but your final rate may be higher or lower.
Yes. The calculator is fully anonymous—no login, no email, no tracking. It’s designed to give you instant insight without commitment.
It focuses on principal and interest. Some lenders charge setup fees or insurance, which are not included in the base estimate. Always check the APR (TAE) when comparing real offers.