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Moneya INT review

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

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Our verdict

Moneya is a Spanish broker that charges applicants no origination fee and pays out in minutes, which suits anyone who needs money fast and can pass a hard credit check. Compare the 3% to 36% range and 2 to 240 term spread with Sofkredit before applying.

Key facts

Best for
Spanish residents who need a personal or debt consolidation loan paid out the same day with no arrangement fee.
APR
3% to 36%↗
Loan amount
€100 to €500,000↗
Term
2 to 240 months↗
Arrangement fee
0 EUR (free for the applicant)↗
Credit check
Hard↗
Funding time
Minutes↗
Representative example
Loan of 300€ over 67 days: costs 0€, total amount repayable 300€, TAE 0%↗
Lender type
Broker↗
Eligibility
Users over 18 years old; site aimed at Spanish residents (ES version)↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation↗
Legal entity
WITME ADVERTISING S.L.↗
Headquarters
Spain↗
Support channels
Phone, Email↗
Features
Same-day funding
Official website
moneya.es

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
LinkedInwitme.es

Pros and cons

Pros

  • No applicant charge on origination: 0 EUR (free for the applicant) and 0%.
  • APR of 3% to 36% sits across both personal and debt consolidation lending, with same day funding advertised.
  • Terms of 2 to 240 cover a short bridge or a long repayment.
  • Support runs on phone and email only.
  • Brokers like broker pass the application to lenders, so rate depends on which one responds.

Cons

  • The credit check is hard (hard), so a thin credit file can stop the application before any offer.
  • APR runs to 3% to 36%, above Sofkredit at 10.74% to 18.06%.
  • As a broker, the lender and its terms are decided away from you (broker).
  • Chat is not among phone and email, so help runs on phone and email only.

Ready to try Moneya INT?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Spanish residents over the legal age in the ES version who can pass a hard credit check.
  • People who need money in Minutes rather than in days.
  • Borrowers consolidating several debts into one personal and debt consolidation repayment.

Who should look elsewhere

  • People wanting a direct relationship with a lender rather than a broker, which is what broker means here.
  • Anyone who cannot handle a hard credit check, since hard applies.
  • Small borrowers who need a tiny loan, because Creduma ES starts at from €12,000 while Moneya accepts €100 to €500,000.

Deposit protection

Moneya works as a broker, so it puts an application in front of lenders rather than lending the money itself. Its published representative example is a short loan that costs the applicant nothing, and the amount repayable matches the amount borrowed, so nothing is added on top at the entry point. What you pay afterwards is set by whichever lender answers, and 3% to 36% gives the outer limit of what can be quoted. The contract is signed with that lender, so the terms, and any cover attached to the loan, come from them.

Application and funding speed

Speed is the clearest point in favour. Funding time is Minutes and same day funding is advertised, so a loan can land while you are still comparing rather than days later. The size range is wide, €100 to €500,000, which covers both a small bridging amount and a large consolidation balance from the same application. Repayment length runs 2 to 240, so the same lender can price a short fix or a long stretch. With a hard credit check (hard) in the process, the timing assumes your file is in good order, and a declined check removes the fast route.

The company behind it

The operating entity is WITME ADVERTISING S.L., based in Spain. The service is aimed at Spanish residents, and the eligibility notice limits applicants to adults over the legal age, so a reading of the terms matters before you apply. Help runs on phone and email only, which covers the phone and email while chat and a help centre sit outside that list. As a broker, the brand sits between the applicant and the lending panel, so the contract you sign is with the lender rather than with Moneya.

How Moneya INT compares

Where Moneya INT is available

Available
Colombia, Italy, Mexico, Poland, Portugal, Romania, Spain

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

Frequently asked questions

What does Moneya cost to apply for?+

The applicant pays nothing to be introduced: the origination charge is 0 EUR (free for the applicant) and the percentage fee is 0%. The published representative example is a short loan that adds no cost, and the total repayable matches the amount borrowed. What you end up paying is the rate the responding lender charges, which the 3% to 36% range frames.

How fast can I get the money?+

Funding time is Minutes and same day funding is advertised, so a same-day payout is the expected route. Moneya is a broker, which means the pace depends on a lender accepting your application as well. A hard credit check (hard) runs before funding.

How much can I borrow and over what period?+

Loan amounts run €100 to €500,000 and terms run 2 to 240, so a small short loan and a long consolidation balance sit in the same range. Personal and debt consolidation lending are both offered under personal and debt consolidation. The rate attached to either depends on the lender.

Is Moneya regulated or covered by a protection scheme?+

Moneya is described as a broker run by WITME ADVERTISING S.L. in Spain, and the agreement is with a lender rather than with Moneya. Check the lender's own status and any cover attached to the loan before you sign. Balances are not described as insured deposits.

What credit check will I face?+

The credit check is hard (hard), so a check runs and a poor result can stop the application. A soft pre-check is not listed as an option. If that is a blocker, a provider offering different credit treatment may suit better.

Who can apply?+

The eligibility notice covers adults over the legal age, and the site is aimed at Spanish residents through its ES version. The company sits in Spain, so applications from outside Spain are not the target audience. Other residency rules come from the lender that responds.

How do I get help once I have applied?+

Support runs on phone and email only, which covers phone and email. Chat and a help centre sit outside that list, so a question raised mid-application may wait for an email reply. Anything about a live offer is a matter for the lender holding your file.

How does a broker deal compare with a direct lender?+

As a broker, Moneya passes your details to a panel and the terms come from whichever lender responds, which is why 3% to 36% is given as a wide range. A direct lender publishes one set of terms instead. That wider range cuts both ways, since the top end is higher than Sofkredit at 10.74% to 18.06%.

Sources

  • moneya.es checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Term

  • moneya.es/aviso-legal checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity, Support channels

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

Moneya INT

Spanish residents who need a personal or debt consolidation loan paid out the same day with no arrangement fee.

8.9/10See alternatives