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Haycredito review

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

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Our verdict

Haycredito is a Spanish direct lender for adults who need a small advance today and plan to clear it quickly. Borrowing €100 to €1,500 over 5 to 30 is the shape of the product, and the money usually arrives the same day or the next business day morning.

Key facts

Best for
A short, fast advance in Spain for a bill that cannot wait for a normal transfer.
APR
82,901.36%↗
Loan amount
€100 to €1,500↗
Term
5 to 30 months↗
Credit check
Hard↗
Funding time
Money sent immediately after approval, usually same day or next business day morning↗
Representative example
Primer loan 100 EUR over 30 days, repay 173.75 EUR, TAE 82,901.36%, TIN 521.43%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Must be of legal age, hold DNI/NIE and own a Spanish bank account with a debit card; no guarantor or payslip required, ASNEF listing does not block an application↗
Loan types
Payday, Personal↗
Legal entity
HAY CREDITO SOCIEDAD LIMITADA UNIPERSONAL (NIF B75702647)↗
Headquarters
Spain↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
haycredito.es

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • Money goes out after approval, usually the same day, and same-day funding is listed as same day funding.
  • No guarantor and no payslip are needed, and an ASNEF listing does not block an application.
  • Early repayment carries no charge, so clearing the balance sooner costs no more.

Cons

  • Applications run a hard credit check (hard), so a thin credit file can end the application before money is sent.
  • The term runs 5 to 30, leaving little room to stretch repayments when a month goes wrong.
  • The APR of 82,901.36% sits far above the 10.74% to 18.06% range charged on longer loans.
Haycredito

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults in Spain who hold a DNI or NIE and a Spanish bank account with a debit card.
  • Borrowers who need cash the same day and can clear the balance before their next payday arrives.

Who should look elsewhere

  • Creduma ES, if you need to borrow at a much larger scale, since its amounts sit at from €12,000.
  • Sofkredit, if you want a longer and cheaper loan, since its APRs run 10.74% to 18.06%.

Safety of your money

Haycredito lends directly (direct lender), so the same company handles the application, the contract and the repayment, with no broker in between. The representative example is the number to sit with: a new borrower repays well over the amount drawn, and the TAE on that example runs to 82,901.36%. Treat the advance as short-term borrowing priced accordingly, and settle it from the money that arrives rather than the next cycle.

Who runs it

The lender is HAY CREDITO SOCIEDAD LIMITADA UNIPERSONAL (NIF B75702647), a company registered in Spain, so the contract is with a Spanish entity rather than a middleman. Help is offered on phone, email and chat, which covers phone, email, chat and a self-service help centre. That same legal entity holds the loan and takes the repayments, so keep the contract details to hand.

How Haycredito compares

Where Haycredito is available

Available
Spain

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

Frequently asked questions

What does a Haycredito loan cost?+

The headline cost is an APR of 82,901.36%, priced for very short borrowing. The representative example shows a new borrower repaying well over the amount drawn, with a nominal rate far below that headline figure. Since early repayment is free, the cost falls when the loan is closed early.

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

Loan amounts run €100 to €1,500 and the term runs 5 to 30, so this is small, short borrowing rather than a planned loan. Both ends of that range move the total cost, and the rate is fixed, so what you pay comes from how much you take and how long you keep it.

Who can apply for a Haycredito loan?+

Applicants have to be adults, carry a DNI or NIE, and hold a bank account in ES with a debit card. A guarantor and a payslip are both unnecessary, and being on the ASNEF register is not on its own a reason to refuse. The debit card receives the money and collects the repayments.

Will a credit check stop me?+

Applications run a hard credit check (hard), so the decision comes from your credit file and can turn an application down. Being listed in ASNEF does not block an application, which widens the group of people who can ask, though the outcome still rests on the file.

How fast is the money?+

Money is sent immediately after approval, usually the same day or the next business day morning, and same-day funding is listed as same day funding. The speed applies to sending, not to the decision, so the credit check still runs first and the offer is worth reading before the money lands.

Does Haycredito offer only payday loans?+

It offers both payday and personal loans (payday and personal), though the sizing points to short-term use either way. Amounts and terms are the same range for both, so a personal loan from this lender stays a short product, closer to a bridge between paydays than a way to spread a larger cost.

How do I get help once I have a loan running?+

Support runs on phone, email and chat, so phone, email, chat and a help centre are all open to a borrower with a running loan. A phone line is the fastest way to sort a payment that falls due, while chat and email suit questions you would rather put in writing.

Sources

  • haycredito.es checked September 26, 2026

    Backs: Loan amount, APR, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type, Representative example, Term

    “Dirección: Calle Profesor Beltrán Baguena, 4 – Edificio Trade Center I, Oficina 401, 46009 Valencia, España”

  • haycredito.es/como-funcional checked September 26, 2026

    Backs: Eligibility, Features

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

    Backs: Credit check, Free early repayment, Funding time, Support channels

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

Not confirmed yet: Arrangement fee.

Haycredito

Haycredito

A short, fast advance in Spain for a bill that cannot wait for a normal transfer.

9.0/10See alternatives