You can receive a loan directly into your bank account.

To do so, simply install the app, provide your personal and contact information, and your bank account number to receive the transfer.
The approval process takes no more than 3 minutes and is entirely online.
Get loans directly to your account without lines or paperwork.

By installing My Credito, the online loan app, you can enjoy:

Instant loans from anywhere in Spain, anytime.

Participation in exclusive promotions and the chance to receive gifts.

Transparent access to all the terms, contracts, and agreements of your microloan.

Who can apply for an online loan?

Spanish citizens over 18 years of age.

No income certificate, guarantor, or collateral is required.

You can be self-employed or work informally.
Work experience is not a requirement.

Loan Terms

Amount: From €25 to €1,000

Term: From 61 to 365 days

Daily Interest Rate: From 0% to 2%

Maximum Annual Percentage Rate (APR): 730%

Example Interest Calculation

For a loan of €150, with a daily interest rate of 2%:
Daily Interest = 150 × 2% = €3
Over 90 days, the accrued interest would be €191 (127%, considering the reduction of the outstanding balance according to the payment schedule).
Total amount to repay: €150 + €191 = €341.

My Credito – your fast and easy online loan.
An immediate solution for your urgent financial needs.
Available 24 hours a day, every day of the year.