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Ibancar Prestamos review

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

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Our verdict

Ibancar Prestamos suits borrowers in Spain who own the car they pledge as collateral and can accept a fixed rate. Money moves in Same day, up to 24 hours, and the 12.74% to 13.01% sits below the site median of 15.5%.

Key facts

Best for
Borrowing against your own car in Spain, with a fixed rate and fast payout
APR
12.74% to 13.01%↗
Loan amount
€600 to €8,000↗
Term
12 to 60 months↗
Funding time
Same day, up to 24 hours↗
Representative example
1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted↗
Loan types
Personal, Car, Secured↗
Credit needed
Poor↗
Legal entity
Ibancar World SL↗
Headquarters
Spain↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
ibancar.com

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
LinkedInblogibancar.com

Pros and cons

Pros

  • Funding lands in Same day, up to 24 hours, and same-day money is uncommon, since only 30.8% of the site offers it
  • The 12.74% to 13.01% sits below the site median of 15.5% and the personal loan ranking median of 14.43%
  • Borrowing is a direct arrangement with direct lender, so you deal with the entity named in the representative example rather than a middleman
  • Fixed pricing, so the fixed rate does not move with the market
  • You can borrow €600 to €8,000, and poor credit is enough, unlike lenders that ask for a strong file

Cons

  • Borrowing is secured on your car, so the vehicle is at stake if you miss payments
  • The largest loan is €600 to €8,000, well short of the from €12,000 floor at Creduma ES
  • Terms run 12 to 60, narrower than the personal loan ranking span of 1 to 480
  • The APR floor of 12.74% to 13.01% is higher than the site lower quartile of 7.85%, so a thinner file pays the top of the range
Ibancar Prestamos

Ready to try Ibancar Prestamos?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Drivers in mainland Spain, the Balearic Islands and the Canary Islands who own the car they pledge
  • Borrowers listed on ASNEF who need money against a vehicle rather than on income alone
  • People who want a fixed monthly cost they can see before signing

Who should look elsewhere

  • Anyone who does not own the vehicle they would pledge as collateral
  • Borrowers wanting unsecured money, since the largest amount here is €600 to €8,000
  • Lenders shopping for a rate floor, as 12.74% to 13.01% starts well above the site median of 15.5%

Safety of your money

The representative example shows what you actually sign up to: a fixed instalment each month, with the interest and the total repayment spelled out in advance, so there is no variable rate to reprice later. Ibancar Prestamos is a direct lender, which means the agreement sits with the same company from application to repayment rather than passing through an intermediary. That matters for the car you pledge. The car is collateral, so a missed payment puts the vehicle at risk, and the borrower's own asset stands behind the debt instead of an outside guarantor. On deposit protection there is nothing to read either way: no regulator, licence or protection scheme is stated, so there is no deposit guarantee to describe and no scheme to name. Judge the safety of the arrangement on the fixed pricing, the transparent representative example and what you have at stake if payments slip.

Rates and costs

The 12.74% to 13.01% is the headline cost, and it is the number to hold on to, because a secured car loan priced here is cheaper than the average personal loan on the site. The site median APR is 15.5%, with a lower quartile of 7.85% and an upper quartile of 27.8%, so the borrowing sits at the cheaper end of what the site lists. The fixed rate means the monthly cost holds steady across the life of the loan, which the fixed rate confirms is how the product is built. Terms run 12 to 60, close to the site median of 36, so a mid-length repayment is normal rather than stretched. The representative example is the clearest guide: the interest and the total amount owed are both given, so you can see the whole cost of the credit before you commit. Compare that shape with Sofkredit, whose APR runs 10.74% to 18.06%, and with the from €12,000 minimum at Creduma ES, which points to a different market entirely.

Who runs it

The contract is with Ibancar World SL, a Spanish company headquartered in Spain, so the entity named in the representative example is the one you deal with from application to final payment. It is a direct lender, which keeps the borrower, the credit decision and the repayment in one arrangement. Support runs on phone, email and help centre, so you can reach a person by phone, send a written question by email or work through the help centre at your own pace. That combination matters most on a secured loan, where questions about the car and the pledged title are the ones you will actually need answered. No regulator or licence is stated behind the brand, so the practical checks sit with the company name, the Spanish address and the written terms of the representative example.

How Ibancar Prestamos compares

Where Ibancar Prestamos is available

Available
Spain

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

Frequently asked questions

What rate will I pay on a secured car loan?+

The 12.74% to 13.01% covers the product, and the pricing is a fixed rate, so the number you agree does not shift with the market. The site median APR of 15.5% shows this loan sits at the cheaper end of the wider field. Always check the figure on your own offer before signing.

How much can I borrow?+

The range is €600 to €8,000, so the smallest and largest advances are fixed. That ceiling is modest, and it is far below the from €12,000 minimum at Creduma ES. The car you pledge is what sets both the amount and the rate you are offered.

What happens to my car if I miss a payment?+

The car is the collateral, so a missed payment puts the vehicle at risk. That is the trade-off for the 12.74% to 13.01% and the poor credit requirement, which many mainstream lenders would not accept. Treat the repayments as the first claim on your monthly money.

How long does it take to get the money?+

Funding is Same day, up to 24 hours, which is short, and same-day funding appears on only 30.8% of the site. That makes it a useful option when a bill lands sooner than your pay. The application is tied to the car, so approval and payout follow the same visit.

Do I need a good credit history to qualify?+

The stated credit requirement is poor, and the eligibility terms accept applicants listed on ASNEF. The collateral is the car, not your file, which is why a thinner credit history can still work here. 44.9% of the site serves poor credit borrowers, so this is a common pattern rather than an exception.

Which company do I sign with?+

The agreement is with Ibancar World SL, based in Spain, and it is a direct lender, so there is no intermediary between you and the lender. Check that legal entity name against your own documents before you commit. The representative example states the same terms you would sign.

How do I get help with the loan?+

Support runs on phone, email and help centre, giving you phone, email and help centre routes. On a secured loan the useful questions concern the car and the pledged title, so a written record by email is worth keeping. 79.6% of the site offers a help centre.

Can I repay early or over a longer period?+

The product is built on a 12 to 60 term, sitting close to the site median of 36. A fixed rate means the instalment stays the same across that term, so extra payments go entirely against principal. Ask for the current figures if you plan to settle early.

Sources

  • ibancar.com checked September 26, 2026

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

    “TIN 12.1% (mín.) y 12.1% (máx.)”

  • ibancar.com/credito-coche checked September 26, 2026

    Backs: Credit needed, Eligibility, Funding time, Loan types

    “Aceptamos personas en Asnef”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

Ibancar Prestamos

Ibancar Prestamos

Borrowing against your own car in Spain, with a fixed rate and fast payout

9.1/10Visit