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(opens in a new tab)Luzo.es
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Go to Website (opens in a new tab)About Luzo.es
Luzo.es is a non-bank digital lender in Spain that specializes in providing short-term microloans (payday-style loans) for individuals who need quick cash to cover urgent expenses. It operates entirely online, allowing users to complete the full loan process from application to disbursement, within minutes. The platform is designed for speed and simplicity, offering small loan amounts (typically €50 to €500 for new users, and up to €2,000 for returning customers) with short repayment periods of 7 to 30 days.
Amount
€50 - €2,000
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 Luzo.es include:
- • Valid ID: Applicant must provide a DNI or NIE.
- • Residency: Applicant must be a legal resident in Spain.
- • Minimum age: Applicant must be at least 18–21 years old depending on conditions.
- • Bank account: Applicant must have a personal Spanish bank account.
- • Proof of income: Applicant must demonstrate regular income (salary, pension, or other).
- • Credit status: Applicant must pass credit checks and may need to be free from major default listings (e.g., ASNEF).
- • Mobile phone: Applicant must provide a valid phone number for verification (SMS code).
- • Online banking access: Required for verification and loan processing.
- • Payment method: Applicant must have a debit/credit card or transfer capability.
- • Digital application: Loan must be applied for through the website.
How to Apply
To apply for a loan with Luzo.es, 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.
This lender claims it can approve applications on the same day they are submitted and disburse funds within 24 to 72 hrs.
