A trip, a wedding, further education, a purchase or something unexpected: Nova Finance Corp's personal loan finances your plans without you having to prove what the money is for — with a fixed rate of 3% per year and a response in 24h.
The personal loan is a sum of money that you repay in fixed instalments over a term chosen when you apply. Unlike a purpose-tied loan (auto, renovation ...), you don't have to prove what the funds were used for: it can finance a trip, a wedding, purchases, or simply cover an unexpected expense.
Example: for a wedding you apply for €8,000 over 48 months. At the fixed rate of 3% per year, that works out to a monthly payment of around €177, unchanged from the first payment to the last. Your advisor will prepare a simulation with your exact figures before you sign, so there are no surprises.
Be of legal age and resident in Spain.
Regular income (salary, pension, self-employment).
No serious negative entries in your credit record.
A debt level compatible with the amount requested.
Fast payout after approval, with no proof of purpose required.
Fixed instalments from the first payment to the last, with no surprises.
Electronic signature and 100% online tracking of your application.
Early repayment possible, in line with the terms of the agreement.
Adjust the amount and term in the loan calculator and see your payment instantly.
Fill in the form in 3 steps, with no proof of purpose required.
An advisor reviews your ability to pay, usually within 24h.
After the electronic signature, the amount is transferred to your account.
First calculate what you can actually afford, rather than aiming for the maximum amount available.
Try to keep your payment below 30-35% of your monthly net income.
A shorter term increases the payment, but usually lowers the total interest cost noticeably.
No. The personal loan is a general-purpose loan: you can use the funds as needed, with no proof required.
From €1,000 to €50,000, with a term of 6 to 84 months, depending on your ability to pay as reviewed by an advisor.
After approval and electronic signature of the agreement, the amount is usually transferred within a few business days.
Yes, the terms for early repayment (in full or in part) are set out in your loan agreement.
Yes, a joint application (for example with your partner) is possible and can make approval of larger amounts easier.
Contact your advisor right away: a solution can usually be found together before additional costs or a negative credit record entry arise.
In principle, yes, as long as your overall debt level remains reasonable. If you have several loans running, debt consolidation can simplify your budget.
Repaying on time has a positive effect. Missed payments, on the other hand, can be recorded and make future applications harder.
Three steps, less than 5 minutes. An advisor will review your case and respond within 24h.