Finmercado ES review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Finmercado ES is a Spanish loan broker that costs nothing to use, so it suits anyone in Spain who wants to see several partner offers before borrowing rather than taking the first one on offer. Compare amounts of €200 to €30,000 and apply online, with same day funding listed.
Key facts
Loans
- Loan amount
- €200 to €30,000↗
- Term
- 2 to 12 months↗
- Arrangement fee
- 0 EUR↗
- Credit check
- Hard↗
- Funding time
- Same-day approval (24h offers listed); the lender transfers the amount after approval, timing depends on each lender↗
- Representative example
- Loan of 300 EUR repaid in 6 monthly instalments (180 days): about 55 EUR per month, total interest 30 EUR (TAE = 20%), total amount repayable 330 EUR↗
- Lender type
- Broker↗
- Eligibility
- Minimum age 18; customers in Spain; DNI or NIE, proof of income and recent bank statement (partner offers e.g. ABANCA list age 18-59)↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Payday, Debt-consolidation↗
- Use cases
- Home-improvement↗
Pros and cons
Pros
- Using the service is free: the monthly fee is €0 and the origination fee is 0 EUR.
- same day funding is listed, and offers can be approved the same day, with the lender transferring the money once you are accepted.
- The personal, payday and debt consolidation options sit in one place, with amounts of €200 to €30,000 and short terms of 2 to 12.
- Home improvement is a listed use, so a planned repair can be covered and cleared without a long commitment.
Cons
- Support runs on email only, so there is no phone line or live chat when a payment date matters.
- The credit check is hard, so an application can leave a full search on your file.
- The rate range is wide at 0% to 36%, so the cheapest advertised option is not the one most applicants are offered.
Who it suits
- Borrowers in Spain who want to see several partner banks in one place instead of applying to each one.
- Anyone with a planned expense, since amounts run €200 to €30,000 and terms are short at 2 to 12.
- People who apply online and can supply a DNI or NIE, proof of income and a recent bank statement.
Who should look elsewhere
- Card shoppers after cashback on everyday spending: Finmercado ES has none rewards, where Varo Believe Secured Credit Card and Chime Card pay cashback.
- Anyone who wants a card to keep rather than a loan to clear: Virgin Atlantic Reward Credit Card pays cashback on normal spend, which is a different job from a 2 to 12 loan.
Rates and terms
The headline rate advertised on the site is 0% to 36%, and the annual percentage rate on partner offers is 0% to 36%, so the cheapest and dearest ends of the range sit far apart. Repayment terms are short at 2 to 12, which suits a bill you plan to clear rather than debt you carry for years.
How Finmercado ES compares
- 9.2 vs 8.6
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9.2 vs 9.1
Where Finmercado ES is available
- Available
- Spain
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to use Finmercado ES?+
Using the comparison and intermediation service is free. The monthly fee is €0 and the origination fee is 0 EUR, with a percentage charge of 0% on the listing. You still repay interest on whatever a partner bank offers, and those rates run 0% to 36%.
How much can I borrow, and how long do I have to repay?+
Partner loans cover amounts of €200 to €30,000, and repayment terms run 2 to 12. That suits an expense you can clear quickly, such as a home improvement job. Borrowing you intend to carry for years sits outside what these partner offers cover.
Does Finmercado ES lend the money itself?+
Finmercado ES is a broker, so it passes your details to partner banks rather than lending to you directly. The contract, the rate you are offered and how the loan is serviced all sit with the partner bank you are matched to, which is why terms differ between offers.
How quickly can I get the money?+
Same-day funding is listed as same day funding, and offers can be approved the same day. Once a partner bank approves, the lender transfers the amount, and the timing of that transfer is set by each individual lender rather than by the comparison service.
Will applying affect my credit file?+
The credit check is hard, so an application through a partner bank can leave a full search on your file. Partner banks look at the same core details, and eligibility also calls for a DNI or NIE, proof of income and a recent bank statement.
Who can apply?+
Eligibility covers adults in Spain, with a minimum age, a DNI or NIE, proof of income and a recent bank statement. Each partner offer sets its own conditions, and some list a narrower age range for their applicants, so the cheapest rate may not be open to you.
Who do I contact if a payment is late?+
Support runs on email only, so there is no phone line or live chat. Servicing of the loan sits with the partner bank that lent the money, so contact them first about a missed payment and use email for questions about the application itself.
Sources
- finmercado.es checked September 26, 2026
Backs: APR, Origination fee (%), Representative example, Term
- finmercado.es checked September 26, 2026
Backs: Access terms, Headline rate
- finmercado.es/prestamos/personales checked September 26, 2026
Backs: Loan amount, Credit check, Features, Funding time, Loan types, Use cases
- finmercado.es/terminos-y-condiciones checked September 26, 2026
Backs: Eligibility, Lender type, Pricing model, Monthly fee, Arrangement fee
- finmercado.es/aviso-legal checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“mediante correo electronico a info@finmercado.es”
- finmercado.es/sobre-finmercado checked September 26, 2026
Backs: Rewards type
“Finmercado no es una entidad financiera. No concede creditos, no aprueba solicitudes, no fija las condiciones del producto”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee.