Personal loans and credits

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.

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.

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.

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.

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.

• 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.

• 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.

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.

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.

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.

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.

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.

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.