Alivia Finance review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Alivia Finance is a Spanish fintech specialised in debt cancellation and guides individuals and sole traders with heavy debts toward legal solutions. It combines financial knowledge, insolvency law and technology with expert personalised plans and online support throughout the process.
Key facts
- Best for
- Individuals and sole traders seeking legal debt cancellation
- Arrangement fee
- Three fees: file-opening fee, monthly maintenance fee and success fee linked to discounts obtained (amounts not published)↗
- Lender type
- Broker↗
- Free early repayment
- Yes↗
- Eligibility
- Over 18 with a home address in Spain; individuals and sole traders over 30% of monthly net income spent on debts, in default or about to default↗
- Loan types
- Debt-consolidation, Payday↗
- Credit needed
- Poor↗
- Legal entity
- Sanat Suma, S.A.↗
- Headquarters
- Spain↗
- Support channels
- Email, Chat, Phone↗
- Official website
- aliviafinance.com
Mortgages
- Purpose
- Remortgage↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInTrustpilot
Pros and cons
Pros
- Personalised cancellation plans shaped around indebtedness and payment capacity
- Guides applicants through Ley de Segunda Oportunidad with legal support
- Brings more than 13 years of experience in debt and financial technology
Cons
- Works entirely online, which limits face to face contact with advisers
- Focuses only on debt cancellation, not on general borrowing needs
Who it suits
- Individuals with several overlapping debts
- Sole traders seeking structured debt solutions
Who should look elsewhere
- Borrowers looking for new credit or additional borrowing
How Alivia Finance compares
Where Alivia Finance is available
- Available
- Spain
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Alivia Finance do?+
Alivia Finance is a Spanish fintech specialised in debt cancellation for overindebtedness. It analyses each case and designs a personalised plan. It then guides clients toward a legal solution without adding new borrowing.
Who can use Alivia Finance?+
Alivia Finance supports individuals and sole traders who carry heavy debt burdens. It addresses situations with overlapping obligations and increasing repayment pressure. It builds a plan around indebtedness levels and payment capacity.
How does the online service work?+
Alivia Finance runs the whole process online with expert support from start to finish. Clients receive follow up on progress and communicate directly with an adviser. Documentation is handled through secure online channels during the negotiation.
What guidance is offered on Ley de Segunda Oportunidad?+
Alivia Finance studies eligibility for Ley de Segunda Oportunidad and explains the legal route. It guides clients through partial or total cancellation where the law allows it. It also assists with opposition to enforcement claims and with leaving arrears registers.
Which company operates Alivia Finance?+
Alivia Finance is operated by Sanat Suma, S.A.. (Source, checked September 26, 2026)
Where is Alivia Finance based?+
Alivia Finance is based in Spain. (Source, checked September 26, 2026)
How can I contact Alivia Finance support?+
Alivia Finance offers support through Email, Chat, Phone. (Source, checked September 26, 2026)
Sources
- aliviafinance.com/aviso-legal checked September 26, 2026
Backs: Headquarters, Legal entity
- aliviafinance.com/cancelar-prestamos/hipotecas checked September 26, 2026
Backs: Purpose
- aliviafinance.com/refinanciacion-deuda-bancaria checked September 26, 2026
Backs: Lender type
- aliviafinance.com/sobre-alivia/faqs checked September 26, 2026
Backs: Credit needed, Free early repayment, Loan types, Arrangement fee, Support channels
- aliviafinance.com/terminos-condiciones-uso checked September 26, 2026
Backs: Eligibility
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Term, Credit check, Funding time, Representative example.