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Solcredito review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Solcredito suits Spanish residents who need a small personal loan or a credit line quickly and can live with the top of its 0% to 3,752% range. Arrangement fees come to 0 EUR, and the poor credit band plus fast funding make it a workable short-term option, with cost the main thing to weigh.

Key facts

Best for
Small Spanish personal loans and credit lines with no arrangement charge and money within hours.
APR
0% to 3,752%↗
Loan amount
€50 to €5,000↗
Term
3 to 60 months↗
Arrangement fee
0 EUR↗
Funding time
Decision in 15 minutes, money in your bank account within a few hours↗
Representative example
1,500.00 EUR credit line drawn in full at first draw, repaid in 12 instalments, 20.04% annual rate (1.67% monthly), resulting TAE 21.99%, no fees↗
Lender type
Broker↗
Eligibility
Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21)↗
Loan types
Personal, Payday, Debt-consolidation, Credit-line↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Legal entity
Fiizy OU (registration code 12694462)↗
Headquarters
Estonia↗
Founded
2011↗
Support channels
Email, Help-centre↗
Features
Same-day funding, Credit line
Official website
solcredito.es

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Arrangement fees on the personal loans are 0 EUR, so nothing is added to the bill on top of the interest.
  • The stated timing is a decision in a few minutes and money in the account within a few hours, and same day funding and credit line covers same-day funding and a credit line.
  • poor is the stated credit band, and 68.7% of payday brands on the site aim at the same group.
  • Loan sizes of €50 to €5,000 and terms of 3 to 60 cover a bill you clear quickly or one you spread across months.
  • Set against Creduma ES, where lending starts at from €12,000, this suits a need that is small rather than substantial.

Cons

  • Cost risk: 0% to 3,752% reaches far above the 15.5% site median and well past Sofkredit's 10.74% to 18.06%.
  • Support runs on email and help centre only, while 84.2% of personal loan brands on the site list a phone line.
  • As a broker, the lender is picked for you, and the 76.5% of borrowing brands on the site lend to you directly.
  • Score and size both underperform: the offer score is 2, loan amount ranks 566 of 665, and the ceiling of €50 to €5,000 leaves larger needs to lenders such as Creduma ES, which lends from €12,000.
Solcredito

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Residents in Spain with a current account at a national bank, their own email and a mobile number, who can answer an application quickly.
  • Borrowers with an imperfect credit file, since poor is the stated band and personal, payday and debt consolidation includes personal, payday, consolidation and credit line products.
  • Anyone settling a home improvement bill, the stated home improvement purpose, who wants funds in hours rather than after a waiting period.

Who should look elsewhere

  • Borrowers who need more than €50 to €5,000: Creduma ES lends from €12,000, a different scale entirely.
  • Anyone chasing the lowest cost: Sofkredit quotes 10.74% to 18.06%, well below the top of 0% to 3,752%.
  • People who want a phone line on a repayment query: Solcredito answers on email and help centre, while 84.2% of personal loan brands on the site offer phone support.

Safety of your money

Because Solcredito is a broker, the party you agree the loan with is a partner lender, so the rate, the instalments and the contract come from that lender rather than from a comparison page. The published example shows the shape of the deal clearly: a credit line drawn in full at the first draw, repaid across monthly instalments, an annual rate quoted alongside the resulting effective rate, and no fees on the example. Treat the effective rate as the real cost rather than the headline, and read the partner lender's own terms before accepting, because those are the terms you sign. As general context on risk, the median share of retail money accounts on the site that lose money is 70.15%.

Application and funding speed

The stated timing is a decision in a few minutes and money arriving in your bank account within a few hours, so the wait is measured in hours rather than days. The sums involved are small: amounts of €50 to €5,000 and terms of 3 to 60. Put together, that suits a cost you expect to clear at the next payday rather than a large project. A longer term spreads the same balance over more instalments, so the shorter option is the better test of whether the deal is affordable.

Rates and costs

Interest is the main cost and it runs 0% to 3,752%, a span whose far end sits well above the 14.43% site median. Arrangement fees add nothing: the stated charge is 0 EUR. The published example shows how a credit line is meant to be used and what it costs in practice, drawn in full at the first draw and repaid over a set run of monthly instalments, an annual rate shown with the resulting effective rate, and no fees attached to that example. What you pay in practice depends on the partner lender's view of your file, and the example is an illustration rather than a quote.

Who runs it

Behind the site sits Fiizy OU (registration code 12694462), registered in Estonia, and the operation dates back to 2011. Help runs on email and help centre, meaning written support and a help centre, with no phone line listed. For a loan you may need to query, reschedule or repay early mid-cycle, that channel mix is the practical constraint, and it is worth keeping your lender's own contact details to hand alongside the help centre.

How Solcredito compares

Where Solcredito is available

Available
Mexico, Spain

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

Frequently asked questions

Is there an arrangement fee?+

No arrangement charge is added to the personal loans: the stated fee is 0 EUR. The published example also carries no fees, and since Solcredito is a broker the binding terms come from the partner lender, so check the offer they send before accepting it.

What rate would I actually pay?+

Solcredito publishes 0% to 3,752% rather than a single headline rate, so the figure you receive depends on the partner lender's assessment of your file. The 14.43% site median sits far below the top of that range, and poor is the stated credit band.

Who am I borrowing from?+

Solcredito is a broker. Your application goes to a partner lender, and the rate, the instalments and the contract are theirs, so the Fiizy OU (registration code 12694462) named in the terms is the intermediary rather than the party holding your debt. Read the lender's terms, not only the comparison page.

How fast can the money arrive?+

The stated timing is a decision in a few minutes and money in your bank account within a few hours, so a cost due today can be settled today. Eligibility does the rest: you need to live in Spain, hold a current account at a national bank, and have your own email and mobile number, and some partner lenders set a higher minimum age.

How much can I borrow and for how long?+

Amounts run €50 to €5,000 and terms 3 to 60. personal, payday and debt consolidation covers personal loans, payday loans, debt consolidation and a credit line, so a consolidation bill and an urgent cost can sit under the same roof. The ceiling is modest, and larger sums go to lenders further up the size range.

Does it suit a thin credit file?+

It is built for that audience: poor is the stated band, and 68.7% of payday brands on the site target the same readers. Sofkredit's 10.74% to 18.06% works out cheaper for a stronger file, so comparing first is worthwhile.

How do I get help once I have borrowed?+

Support runs on email and help centre, so questions go by email or through the help centre and no phone line is listed. On a loan with monthly instalments that matters most when a payment date has to move, which is why the partner lender's contact details are worth keeping.

How does Solcredito rank on this site?+

Its offer score is 2 in a field of 1,277 personal loan brands. Two things pull that down: the top of 0% to 3,752% sits far above the 15.5% site median, and loan amount ranks 566 of 665, so the ceiling suits modest needs.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Solcredito

Solcredito

Small Spanish personal loans and credit lines with no arrangement charge and money within hours.

9.1/10Visit