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(opens in a new tab)Loaney
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Go to Website (opens in a new tab)About Loaney
Loaney is a Spain-based fintech company that provides short-term microloans (payday-style loans) through a fully digital platform. Founded in 2020, it focuses on offering fast, small-value loans to individuals who need immediate cash for urgent or short-term expenses. The platform is designed for speed and accessibility, with approvals often issued within minutes and funds disbursed within 24 hours. Loaney primarily targets users who may not qualify for traditional bank loans, offering low documentation requirements and simplified processes. However, its products are typically high-cost short-term credit, especially for repeat borrowers, and are meant for temporary liquidity rather than long-term financing.
Amount
€20 - €600
Tenor
7 - 30 days
Min. approval time
24 hrs
Countries
Created on
April 2026
Last updated
April 2026
Requirements
The basic requirements to apply for a loan on Loaney include:
- • Valid ID: Applicant must provide a DNI, NIE, or passport.
- • Residency: Applicant must be a legal resident in Spain.
- • Minimum age: Applicant must be at least 18 years old (often 21+ depending on conditions).
- • Bank account: Applicant must have a Spanish bank account with online banking access.
- • Proof of income: Applicant must demonstrate regular income or financial activity.
- • Mobile phone: Applicant must provide a personal mobile number.
- • Identity verification: Applicant must complete verification (e.g., selfie or digital KYC).
- • Credit check: Applicant must pass internal checks (some flexibility for low credit profiles).
- • No outstanding debts: Applicants with serious unpaid debts may be rejected.
- • Online application: Loan must be applied for through the website or app.
How to Apply
To apply for a loan with Loaney, visit the lender's website and click on "Get Started." If you meet the eligibility criteria and agree with the terms, complete and submit the online application form.
Alternatively, you can download the lender's app on Apple App Store.
This lender claims it can approve applications on the same day they are submitted and disburse funds within 24 to 72 hrs.
