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Personal Loans in Spain — help getting approved
We help you get a consumer loan from a Spanish bank: we assess your chances honestly, match you with the right bank for your profile, and prepare a dossier that stands up to the bank's review.
Who It's For
Residents and non-residents with verifiable income. If your chances are slim, we'll tell you straight — before you commit to anything.
What You Should Know
- The bank evaluates your income, credit history, and debt-to-income ratio.
- The final decision always rests with the bank — no one can guarantee approval.
Service Cost
Pricing is discussed individually
- Assessment of your profile and realistic chances
- Bank and program selection
- Dossier preparation and review
- Support with the application and bank negotiations
Government fees and direct third-party costs (notary, translations, insurance premiums) are billed separately as incurred.
How We Work
- Free assessment of your situation
- Bank and program selection
- Document preparation
- Filing and support until the decision
What stays on your side
- Hand over the source documents and accurate details of your situation — from there we do the work ourselves.
- Pay the government fees and third-party services: translations, apostille, notary. These are paid directly and are not part of the case handling.
- Appear in person where presence is required: fingerprinting, the consular interview, signing before a notary.
- Tell us when something changes — address, job, family, letters from the authority: the timeline depends on it.
The procedures rest on the Reglamento de Extranjería (RD 1155/2024, in force since 20 May 2025) and, for citizenship, on the Código Civil; the official texts are published by the BOE. EuroGarant is a private firm: we are not a government body and are not affiliated with Extranjería, the National Police or the Spanish consulates. The decision on an application is made by the authority alone.
FAQ
- Can a non-resident get a loan? Possibly — with verified income, though the terms are stricter. We assess each case individually.
- Do you guarantee approval? No: the decision is made by the bank. Our job is to boost your chances with a high-quality dossier.
- How long does it take? Usually from a few days to a couple of weeks — it depends on the bank and how ready your documents are.
Helpful Resources
- Mortgages in Spain for non-residents: how banks evaluate borrowers
- Opening an account with a Spanish bank