Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Acierto.com review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Acierto.com suits Spanish households who want one place to weigh loans, mortgages and insurance side by side. It charges no arrangement fee, and mortgage offers start at an initial rate of 1.75%. Its one drawback is that early repayment is not free on personal loans.

Key facts

Best for
Comparing Spanish loans, mortgages and insurance in a single place without paying an arrangement fee.
Premium from
€112.92↗
Insurance types
Auto, Motorcycle, Home, Renters, Life, Health, Travel, Pet, Van, Dental, Landlord↗
Provider type
Comparison site↗
Monthly payments
Yes↗
Excess from
€150↗
Legal entity
ASESOR CONSUMER SERVICES, S.L.↗
Headquarters
Spain↗
Founded
2007↗
Support channels
Email, Phone↗
Pricing model
Monthly
Official website
acierto.com

Loans

APR
4% to 9.99%↗
Loan amount
€3,000 to €60,000↗
Term
3 to 120 months↗
Arrangement fee
0 EUR - free of charge to the customer, Acierto charges no fees or commission↗
Credit check
Hard↗
Funding time
Lender gives a final answer within 48 hours at most (Younited Credit personal loan offered through Acierto's comparator)↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
No↗
Eligibility
Be of legal age with a valid DNI or NIE; residence in Spain may also be required↗
Origination fee (%)
1% to 3%↗
Loan types
Personal, Debt-consolidation, Car, Student, Secured, Business, Payday↗
Credit needed
Fair↗
Use cases
Home-improvement↗

Mortgages

Initial rate
1.75%↗
APRC
1.8%↗
Fixed period
30 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, First-time-buyer↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Elsewhere
LinkedInXyoutube.com

Pros and cons

Pros

  • No arrangement fee: Acierto charges no fees or commission to the customer
  • Personal loans at a fixed rate run 4% to 9.99% over terms of 3 to 120
  • Mortgage initial rates from 1.75% with a product fee of €0
  • Covers auto, motorcycle and home in one comparison

Cons

  • Free early repayment: no, so settling a personal loan early carries a charge
  • Credit check is hard, and applicants need fair credit
  • Support runs on email and phone only, with no chat or help centre
Acierto.com

Ready to try Acierto.com?

Scored 8.7 / 10 by SumCue.

See alternatives

Who it suits

  • Spanish adults with a valid DNI or NIE who want to compare lenders side by side
  • First-time buyers looking at mortgage purchase rates
  • Households insuring a car, home, pet or travel together

Who should look elsewhere

  • People paying off a personal loan early, since free early repayment is not offered
  • Borrowers with thin credit files, as the credit check is hard
  • Readers wanting live chat or a self-service help centre

Who runs it

Acierto.com is a comparison site run by ASESOR CONSUMER SERVICES, S.L., based in Spain. It has been trading since 2007 and holds a Spanish insurance registration with the Direccion General de Seguros y Fondos de Pensiones, licence J-3208. Customers reach the team on email and phone, so help is by email or phone rather than chat. Because it is a comparison site rather than a lender or insurer itself, the cover and rates on offer come from the partners it introduces.

How Acierto.com compares

Where Acierto.com is available

Available
Spain
Licence in Spain
Direccion General de Seguros y Fondos de Pensiones (DGSFP), Spain (J-3208), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Acierto charge a fee for comparing loans?+

No. The arrangement fee is free of charge to the customer, and Acierto charges no fees or commission. The cost of a loan sits with the lender, and origination fees on personal loans run 1% to 3%. Check the quote itself, because lender fees can still apply.

What rates are available on personal loans?+

Personal loans are offered at a fixed rate, with rates running 4% to 9.99% depending on the lender and your profile. Borrowing runs €3,000 to €60,000 over terms of 3 to 120. Loan types include personal, debt consolidation, car, student, secured, business and payday.

How long does a mortgage application take?+

The published timing sits with the lender rather than with Acierto. On the Younited Credit personal loan offered through Acierto's comparator, the lender returns a final answer at the latest within a waiting period of a couple of days. Allow for that step before any money moves.

Can I repay a personal loan early without a charge?+

Free early repayment is not offered on the personal loans, so settling the balance before the term ends may cost you. Most of the market does allow free early repayment, so check the offer terms with the lender before you sign. Mortgages are a separate product with their own rules.

What mortgages does Acierto cover?+

The mortgage comparison is aimed at purchase and first-time buyers, with an initial rate from 1.75% and an APRC of 1.8%. A fixed period of 30 is available, up to a maximum loan to value of 90%, and there is no product fee.

What kinds of insurance can I compare?+

The insurance side covers auto, motorcycle and home, so a single household can price a car, home, renters, life, health, travel, pet, van, dental and landlord policy together. Third-party car cover starts at a premium from €112.92, and comprehensive cover carries an excess from €150. Monthly payments are available.

Is Acierto regulated and who can apply?+

Acierto is a comparison site rather than an insurer, and it is registered with the Direccion General de Seguros y Fondos de Pensiones in Spain under licence J-3208. People who apply need to be adults holding a valid DNI or NIE, and living in Spain may also be expected.

Sources

Compiled from 11 source pages, checked September 26, 2026. We did not open an account.

Acierto.com

Acierto.com

Comparing Spanish loans, mortgages and insurance in a single place without paying an arrangement fee.

8.7/10See alternatives