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Cashper ES review

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

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Our verdict

Cashper ES is a Spanish direct lender for adults with permanent residence in Spain who need a small short-term personal loan. A fixed rate keeps the cost predictable, but an APR of 2,450% to 59,141% makes it an expensive route to borrowing for anyone consolidating debt or covering a larger bill.

Key facts

Best for
Short-term personal or payday borrowing in Spain at a fixed rate, with early repayment free.
APR
2,450% to 59,141%↗
Loan amount
€50 to €1,000↗
Term
15 to 45 months↗
Arrangement fee
Gastos de gestion: EUR 15-305 for 15/30 day terms; EUR 16-80 for 16-45 day terms on loans up to EUR 250↗
Credit check
Hard↗
Funding time
Transfer effective in 24 to 48 hours↗
Representative example
Loan of EUR 200 over 30 days, fee EUR 65, total repayable EUR 265, TAE (APR) 2,968.7%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Natural person of legal age with permanent residence in Spain↗
Loan types
Personal, Payday↗
Legal entity
Bank DiMare Limited↗
Headquarters
Malta↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
cashper.es

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
Xfacebook.com

Pros and cons

Pros

  • Repaying early is free, so settling sooner adds no extra cost.
  • The rate is fixed, so the cost of the loan holds steady while you repay.
  • Support runs on email, phone and help centre.
  • A direct lender, so Bank DiMare Limited handles the loan from application to repayment.

Cons

  • An APR of 2,450% to 59,141% makes this a costly way to borrow even small sums.
  • The amount runs €50 to €1,000, so a larger expense is out of reach.
  • Applications use a hard credit check, so a full search lands on your file.
Cashper ES

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Residents of Spain of legal age who need a personal or payday loan over 15 to 45.
  • Borrowers who expect their finances to improve and clear the balance early, since early repayment is free.
  • Anyone comfortable with a fixed rate and a hard credit check.

Who should look elsewhere

  • Anyone shopping on price alone: Sofkredit quotes an APR of 10.74% to 18.06%, far below this range.
  • Borrowers after a larger sum, since Creduma ES starts at from €12,000.
  • Readers looking outside this market: Cashspace lists an APR of PHP 12 to PHP 36 and is not a like-for-like option.

How Cashper ES compares

Where Cashper ES is available

Available
Malta, Spain
Licence in Malta
Malta Financial Services Authority (MFSA), checked September 26, 2026
Licence in Spain
Banco de Espana (Registro de Entidades), checked September 26, 2026

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

Frequently asked questions

What does borrowing from Cashper ES cost?+

Cost is the sticking point. The rate is fixed, and the annual percentage rate runs 2,450% to 59,141%. An arrangement fee also applies in bands that depend on the term and the amount borrowed, so a short loan carries a fee that is large next to the sum itself.

How much can I borrow, and for how long?+

Loans run €50 to €1,000 and terms run 15 to 45, so this suits a short-term need rather than a large purchase. Personal and payday style loans both sit inside that range, and the same credit check applies to both.

Will there be a credit search on my file?+

Yes, the credit check is hard, so an application leaves a full search on your file that other lenders can see. For a loan capped at €50 to €1,000, that footprint is the main thing to weigh before you apply.

Who is eligible to apply?+

You need to be an adult with a permanent home in Spain. The contract is issued by Bank DiMare Limited, which lends directly rather than acting as a broker, so you deal with one named entity from the application through to repayment.

Who regulates the lender?+

Two regulators appear on record. The lender is registered in Malta, where the Malta Financial Services Authority supervises it, and it is also listed with Banco de Espana in Spain, which is where most applicants live.

How quickly does the money arrive?+

The stated transfer time is Transfer effective in 24 to 48 hours, so approval does not mean same-day cash. Plan on a waiting period of a couple of days before the money lands, and have the arrangement fee ready, since it is charged on top of the amount you receive.

How do I get help with the loan?+

Help comes through email, phone and help centre, so you can email, call or read the help centre rather than dealing with recordings alone. Keep your agreement details ready, since those channels are where questions about the fee or the term get settled.

Why are the rates so high?+

Short-term, small-value lending is costly to run, and the figures show it: an APR of 2,450% to 59,141% against a payday loan median of 36.5% across the site. The median retail loss percentage of 70.15% helps explain why cheaper products sit at the other end.

Sources

  • cashper.es checked September 26, 2026

    Backs: Eligibility, Headquarters, Pricing model, Representative example

    “The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta”

  • cashper.es/preguntas-frecuentes checked September 26, 2026

    Backs: Funding time, Loan types, Support channels

    “Contacto Cashper 910 052 004 ... E: clientes@cashper.es ... Preguntas frecuentes”

  • cashper.es/rights/t%C3%A9rminos-y-condiciones checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Free early repayment, Legal entity, Lender type, Arrangement fee, Rate type, Term, Licences

    “TAE 30 dias: 59141% (EUR 50) to 2450% (EUR 1000); TAE 15 dias: 31386% to 13852%”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Cashper ES

Cashper ES

Short-term personal or payday borrowing in Spain at a fixed rate, with early repayment free.

9.0/10See alternatives