Banco Sabadell Personal Loans and Credits
The financing you need
Only for customers that have been with us for more than 6 months
Apply for your personal loan or line of credit in the easiest way possible without direct deposit of your paycheck.
Enjoy your loan without the condition of having to take out any insurance.
You have up to 96 months to repay your loan at your own pace. You choose the return term period.
We have the loan or credit line that’s best suited to you, with a personalised offer.
Sabadell Online Loan
Your money available in your account, without leaving your home
Sabadell Loan
Personal loans with the best support
Pre-approved loan
A tailored loan exclusively for you
Sabadell Credit Line
Mini-loans to cover small unexpected expenses
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The keys to the personal loans and credits
Personalised offer
We have the loan that best fits your needs.
Online loans from home
Apply for your financing via the website or app. And, if you need it, you can rely on the help of a manager.
No strings attached
The granting of the loan is not contingent on taking out any additional insurance.
Without setting up a direct deposit for your salary
So that you can access your financing with the flexibility and convenience that you deserve.
Personalised offer
We have the loan that best fits your needs.
Online loans from home
Apply for your financing via the website or app. And, if you need it, you can rely on the help of a manager.
No strings attached
The granting of the loan is not contingent on taking out any additional insurance.
Without setting up a direct deposit for your salary
So that you can access your financing with the flexibility and convenience that you deserve.
Your money in just 3 steps
If you’ve been a customer for more than 6 months, log in to your
If you have any queries about your personalised offer, you can
Review and sign the documentation online and you will be able to use the granted amount. You can manage and even repay all or part of your debts.
Find out more about Banco Sabadell’s Personal Loans and Credits
100% online
Receive a loan of up to € 30,000.
You can do so directly on the website or via the app.
a manager
Receive a loan of up to € 60,000.
Choose the instalment and term that suits you best.
Request it online and we will explain everything in one call.
Your immediate loan. Get your money in a few clicks.
No additional paperwork or documentation.
Activate it directly via the app or website.
unforeseen events
Receive a credit of up to € 5,000.
Draw on all or part of your pre-granted credit.
Activate it directly via the app or website.
The advantages of digital banking with the best of an expert bank
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Download the Banco Sabadell app
Manage your
loans
from your mobile
We answer your most frequently asked questions
Can any Banco Sabadell customer access financing products?
One of our requirements when granting a loan is for the customer to have been with us for more than 6 months. If you are not yet a customer, open an account with us now.
What kind of loans can I take out?
There are different types of loans depending on what you need. For example, for your studies, to cover an unexpected expense, to buy a new car... We have a wide range of financing options, so that you can choose the one that best suits your needs.
Business purposes are excluded in all cases.
How long do I have to pay back the loan?
Repayment periods vary depending on the product you purchase. They're flexible and you can choose the one that suits you best, so that it doesn't cause you stress. For example, the maximum term of some financing products is up to 8 years.
What happens if I want to repay my loan early?
All our loans allow for this option, but it comes with the following fees:
- 1.00% of the amount repaid if there's more than one year left before the maturity of the contract.
- 0.50% of the amount repaid if less than one year is left.
- 1.00% of the amount repaid if there's more than one year left before the maturity of the contract.
- 0.50% of the amount repaid if less than one year is left.
Is the interest rate of the loan the same for all customers?
No, the interest rate may vary depending on the customer and the product.
The price of personal loans pre-approved by Banco Sabadell is personalised and varies according to the customer's profile. You'll see it on the first page of the online procurement process.
For all other loans, you will see the personalised price after filling in the details we ask you to provide in the application process. Nevertheless, said price will be contingent on validation of the documentation and the outcome of the risk analysis.
What requirements must be met in order to access a Sabadell Loan?
- Be of legal age.
- Have been a customer of ours for more than 6 months.
- Have residency in Spain.
- Have the Banco Sabadell remote banking service.
What are the features of the Sabadell Loan?
- 100% online application.
- No direct deposit of salary.
- Fixed interest rate, which also allows you to always pay the same instalment amount and avoid unforeseen fluctuations. The instalments to be paid are calculated using the French repayment schedule, which has consistent instalments.
- Loan amount from €3,000 to a maximum of €60,000 (subject to each customer's maximum available limit).
- Repay it conveniently in a period of 12 to 96 months.
- You can cancel it before maturity. If the period from early cancellation to the theoretical maturity of the contract is less than or equal to 12 months, the early repayment fee is 0.50%. If it is longer, the fee is 1.00 % of the amount repaid.
Can I apply for more than one Sabadell Loan?
You can only have one application in progress, but you can have more than one loan contracted as long as your repayment capacity allows it.
What information will Banco Sabadell give me when I sign up for a Sabadell Loan?
With the European Standardised Information Sheet (ESIS) documents, you will have the loan conditions at your disposal before entering into the contract, so that you can compare them to other offers before taking on any obligations and making a decision. You will also have the loan contract available to you before you have to sign it, so that you can read it at your leisure.
What is the European Standardised Information Sheet (ESIS)?
This is a document that has a specific offer based on the details provided in the application and subject to the final validation of the transaction. If at any point the details differ from the documentation provided, the financial conditions may change.
Can I cancel the Sabadell Loan contract once it has been signed?
Yes, you can withdraw from and cancel the contract free of charge during the 14 days following the contract's effectiveness without having to state your reasons or incur any penalties, following the indications set out in the ESIS or in the contract itself. You will find all the details in the loan contract and you can contact us on the free telephone number 900 700 010.
What additional information do I have at my disposal regarding the Sabadell Loan?
Banco Sabadell provides you with quarterly information on the most frequent fees and rates offered. To receive this information, go to a branch or the "Customer information" section of the website.
If you need it, there is a free telephone number (900 700 010) you can call for answers to any questions or queries you may have.
If you need it, there is a free telephone number (900 700 010) you can call for answers to any questions or queries you may have.
What is the Sabadell Credit Line?
The Sabadell Credit Line is a pre-approved financing product of up to €5,000 which you can draw down in minimum amounts of €150 and repay in the period of your choice, from 3 months to 24 months. You can make as many withdrawals as you wish, until the limit of the Sabadell Credit Line is exhausted.
Do you have any questions? We're here to help you
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1 Taking out a Sabadell Credit Line requires prior knowledge of the contractual terms and conditions.
Activation of the Sabadell Credit Line requires the express or tacit acceptance of the contractual terms and conditions of all the account holders if there are several of them. The initial credit limit is joint, regardless of the number of account holders, subject to review each month and variable in accordance with the specific conditions of the Sabadell Credit Line, and may be used severally and jointly. The monthly limit ranges from 2,000 euros to 5,000 euros and the periods for repaying the amount drawn down can be 3, 6, 9, 12, 18 and 24 months. NIR: 17.88%, APR 19.42%. Arrangement Fee: 0.00%. Assessment Fee: 0.00%. Early cancellation fee: 0.00%.
Example for a Sabadell Credit Line of € 2,000 to be repaid over 12 months: 11 instalments of € 183.25 and a final instalment of € 183.20. Total amount payable: € 2,198.95. APR: 19.42%. Total cost of the credit: € 198.95. Total amount of interest on the loan: € 198.95.
Example for a Sabadell Credit Line of € 5,000 to be repaid over 12 months: 11 instalments of € 458.12 and a final instalment of € 458.05. Total amount payable: € 5,497.37. APR: 19.42%. Total cost of the credit: € 497.37. Total amount of interest on the loan: € 497.37.
The instalment to be paid has been calculated using the French repayment system, which features consistent instalments.