What to know before you apply
Answers to the questions our clients ask most often.
Our advisers are available by phone and at the branch. Opening hours: Monday to Friday, 9:00 to 18:00.
Contact usDo I have to pay anything before I receive my loan?
No. There are no fees before payout: no application fee, no insurance, no notary costs. You only start repaying after you have received the money.
Who can apply?
Anyone aged 18 or over with a regular income (salary, pension or self-employment), as well as shopkeepers, the self-employed and small and medium-sized businesses, including start-ups.
Which documents do I need?
Individuals: identity document (DNI or NIE front and back, or passport), a selfie holding the document, proof of address and your latest proof of income.
Businesses: the same documents for the owner, business registration documents and an overview of the business (bank statements, turnover, quotes). Your adviser will give you the exact list for your project.
How quickly will I get an answer?
Within 48 working hours of receiving your complete application. Once you sign the offer, the money is transferred to your account quickly.
Can I repay my loan early?
Yes. You can repay part or all of your loan early. The conditions are set out clearly in your offer.
What if I struggle to make a repayment?
Tell your adviser as soon as possible. We will find a solution together, such as temporarily adjusting your repayments.
How do I spot a scam?
Be wary of anyone who asks for payment before granting a loan. ESACASH never asks for money upfront and never requests payment by messaging app, money order or prepaid card. If in doubt, call your branch directly.