Lending software for Spain

A large consumer credit market with fast-growing online lenders, Bizum payments and CIRBE reporting. lendhero arrives with CIRBE, Onfido and SEPA already connected, so your team configures products instead of plumbing.

See the local stack
  • EUR (€)
  • Spanish, Catalan, English
  • 18 local connectors
  • 1–2 weeks to launch

Hola, Lucía

Approved4.000 €

712

Credit score

On-time payments

Monthly payment131 €

Market profile

Spain at a glance

What lendhero is set up for in Spain before your team logs in.

Currency

EUR (€)

Languages

Spanish, Catalan, English

Supervisor

Banco de España

Credit data

CIRBE, ASNEF Equifax, Experian Badexcug

Payout rails

SEPA, Bizum, SEPA Instant

Data protection

GDPR and LOPDGDD

18
local connectors wired in before kickoff
EUR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
3
interface languages: Spanish, Catalan, English

Working with borrowers in Spain

Tools for every borrower conversation

Borrowers in Spain apply, sign, pay and come back for repeat loans in Spanish and EUR.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Sinch automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowSinch
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Spanish.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Lucía · Consumer loan, 6 months · 4.000 €

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Spain stack, connected before kickoff.

lendhero ships with the connectors lenders in Spain use every day, from CIRBE to SEPA Direct Debit. New ones are added through the open API.

  • Credit bureaus & registries3 connectors
    • CCIRBE
    • AASNEF Equifax
    • EExperian Badexcug
  • Identity & KYC3 connectors
    • OOnfido
    • EElectronic ID
    • VVeridas
  • Bank & alternative data2 connectors
    • TTink
    • AAfterbanks
  • Disbursement rails3 connectors
    • SSEPA
    • BBizum
    • SSEPA Instant
  • Repayments & collections3 connectors
    • SSEPA Direct Debit
    • BBizum
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • SSignaturit
    • DDocuSign

Checks and payments

Who borrows and how money moves in Spain

Applicants are checked with CIRBE and ASNEF Equifax, and money moves via SEPA and Bizum.

Client checks

Checks connected in Spain:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationOnfido, Electronic ID, VeridasPass
  • Credit bureausCIRBE, ASNEF Equifax, Experian BadexcugPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataTink, AfterbanksReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Spain:

DisbursementSEPA, Bizum, SEPA Instant in EUR
RepaymentSEPA Direct Debit, Bizum, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SEPA
  • Bizum
  • SEPA Instant
  • SEPA Direct Debit
  • Card

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in EUR are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

4.000 €

On track
Auto-calculated · 200+ parametersManual edit
Repaid 1.430 € of 4.280 €2 of 6 payments
DateAmountStatus
Sep 4710 €Paid
Oct 4710 €Paid
Nov 4710 €Due in 7 days
Dec 4710 €Upcoming
Jan 4710 €Upcoming
Reminder sentYour payment of 710 € is due Nov 4

Loan flow

How a loan runs in Spain. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Spanish, Catalan and English.
  2. 02VerifyIdentity and documents are checked through Onfido and Electronic ID.
  3. 03DecideScorecards pull CIRBE and ASNEF Equifax data and return a decision in seconds.
  4. 04DisburseFunds go out via SEPA or Bizum in EUR, straight after signing.
  5. 05CollectRepayments arrive via SEPA Direct Debit and Bizum, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

4.000 €

Next payment

710 € · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

LucíaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Spain launch on .

Consumer instalment loansPréstamos personales with ASNEF and CIRBE checks.
BNPL & POSPago a plazos for online and in-store retail.
Auto financingCar loans for dealers.

Compliance

Configured for Banco de España and GDPR and LOPDGDD.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Spain.

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR and LOPDGDD requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR and LOPDGDD.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for Banco de España rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Southern Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Spain?+

Yes. The platform is set up for EUR, Spanish, Catalan and English and Banco de España requirements, with 18 local connectors ready on day one.

Which credit data sources are connected in Spain?+

CIRBE, ASNEF Equifax, Experian Badexcug. On top of that, identity checks run through Onfido, Electronic ID and Veridas and bank data comes from Tink and Afterbanks.

How do borrowers get paid and repay?+

Payouts go out via SEPA, Bizum and SEPA Instant in EUR. Repayments arrive via SEPA Direct Debit, Bizum and Card, with reminders over WhatsApp Business and Sinch.

How long does a launch in Spain take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 18 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Spain? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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