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Branches
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Loans and credit with Spanish banks

Loans for your plans, without paying a single euro upfront.

At ESACASH we work with you to find the loan or credit that fits your project, with our partner banks in Spain: for individuals, the self-employed and businesses. You pay no fees until you receive your money.

Calculate my repayment Apply for a loan
  • Answer within 48 hours
  • Fixed rate
  • Dedicated adviser
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Zero upfront costs

First your money. Then your instalments.

No arrangement fees, insurance or notary costs upfront: your instalments only start once the money is in your account.

Apply for a loan How it works
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For your business

More momentum for your business

Cash flow, equipment, premises or working capital: we prepare your project, present it to our partner banks and support you until signing.

Business financing Calculate my repayment
€0 upfrontYou pay nothing before you receive your money.
Answer within 48 hoursAn adviser reviews your application and calls you.
Fixed rateYour monthly repayment stays the same for the whole loan.
Partner banksWe work with Spanish banks to finance your plans.
Our loans

Financing that fits every plan

Whether you are buying an appliance for your home or stock for your shop, we look at your real situation and offer a repayment you can afford.

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Personal

Make your personal plans happen

Simple, fast loans to deal with the unexpected or fund a project, with a fixed repayment from the first month to the last.

  • Personal loan

    A purchase, a family event or an unexpected cost

    up to10.000 €

  • Home equipment

    Appliances, furniture, computers

    up to8.000 €

  • Education and training

    Tuition fees, materials, vocational training

    up to6.000 €

  • Home improvement

    Building work, renovation, solar installation

    up to20.000 €
6 to 60 months · fixed rate Calculate a personal loan
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Businesses and entrepreneurs

Grow your business

Shopkeepers, the self-employed, micro and small businesses: fund your growth with a partner who understands how things work on the ground.

  • Working capital

    Stock, cash flow, seasonal needs

    up to30.000 €

  • Business equipment

    Machinery, tools, commercial vehicle

    up to50.000 €

  • Business start-up

    Get started with dedicated support

    up to15.000 €

  • Expansion

    New premises, hiring, growth

    up to50.000 €
6 to 120 months · repayment holiday available Calculate a business loan
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Our commitment

No fees to pay before you receive your money

At ESACASH you do not pay a cent before your loan is paid out. You only repay your monthly instalments, set out clearly in your contract.

  • No upfront application feeReviewing your application is free, whether or not your loan is approved.
  • A written offer before you signAmount, rate, term, repayment and total cost: everything in detail before you agree.
  • Fixed rate, clear repaymentsYour repayment does not change for the whole term of the loan.
  • Early repayment allowedYou can pay off your loan early if your situation allows.

Beware of fake loan scams

ESACASH will never ask you to pay fees (application, insurance, notary, transfer…) before your loan is paid out, nor by money order, prepaid card or money transfer. If anyone demands this in our name, do not pay anything and let us know.

Report a scam
How it works

Your loan in four steps

A simple process, online or at a branch, with an adviser who answers your questions at every step.

  1. 15 minutes

    Calculate and apply

    Online or at a branch. It is free and there is no commitment.

  2. 2Within 48 hours

    An adviser reviews your application

    They call you to understand your plans and check together that you can afford the repayments.

  3. 3No fees

    You sign your offer

    You receive a detailed written offer. You only sign if it suits you.

  4. 4Payout

    You receive your money

    The money arrives in your account. Your first repayment is due the following month.

Have a project in mind?

Tell us about it: an adviser will suggest the right finance for you, with nothing to pay upfront.

Apply for a loan Calculate my repayment