TAE 81%
Verified Top PickFinipay's stated example is a 1.000 € loan paid back in 12 monthly payments with costs of 342,22 €, a total of 1.342,22 € and a TAE of 81%. Borrowing costs money. This is not financial advice. As shown on finipay.es on 6 November 2026.
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€5000
VerifiedFinipay's calculator runs from 300 € to 5.000 € over 61 to 90 days, and the site gives a TAE range of 0% to 212% across its partner lenders; applicants must live in Spain, be 18 to 80 and hold a DNI or NIE, as shown on 6 November 2026.
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VerifiedFinipay states that using its service is free and that the cost of each loan depends on the individual application and the partner lender's offer, as shown on its home page on 6 November 2026.
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Extra codes from partner brands, refreshed alongside this store's offers.
A practical savings guide for shoppers using Finipay ES offers.
No. Finipay does not sell goods, so there is nothing to discount, and a loan is never a saving. On 6 November 2026 the site said the service is free to use and that each loan's cost depends on the application and the lender.
The calculator offers 300 € to 5.000 € over 61 to 90 days, while the example text speaks of terms from 3 to 60 months, so confirm the term in the offer you receive. Finipay quotes TAE from 0% to 212%. Its example is a 1.000 € loan in 12 monthly payments with 342,22 € of costs, 1.342,22 € in total and a TAE of 81%. A banner offers a first 300 € with no commission, repaid in 70 days, and the calculator shows a 0.00% first interest label; no conditions were published for these, so check the lender's pre-contract information.
Applicants must live in Spain, be aged 18 to 80 and have a DNI or NIE, a bank account, an email address and a mobile number. The legal page names Finceptiv OU, incorporated in Estonia, which says it is not a financial adviser. No Banco de España registration was shown.
This is not financial advice. Borrowing costs money; only borrow what you can repay on time. Figures on this page were checked on the service's own website on 6 November 2026.
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