Terms & Conditions

Last updated: July 20, 2026

These Terms & Conditions are a template. Have them reviewed by a legal advisor before publication, particularly since loan brokerage is a regulated activity in Spain (subject, among other things, to registration and conduct requirements under Spanish consumer credit and financial intermediation law).

1. Scope

These Terms & Conditions govern access to and use of the Nova Finance Corp website, as well as the online loan application process offered through it. By submitting an application through the Website, the user expressly accepts these Terms & Conditions.

2. Nature of the service

Nova Finance Corp enables users to calculate and apply for personal loans, mortgage loans, car loans, business loans, student loans, renovation loans and debt consolidation. Submitting an application through the form does not mean automatic approval of the loan: each application is reviewed individually by an advisor, and final lending is subject to a creditworthiness check and the signing of an individual agreement.

3. Interest rate

The annual interest rate applicable to the loans offered on the Website is fixed and shown on each product page (from 3% per year depending on the loan type), unless the user is expressly informed otherwise during the review of their case. The payments shown by the loan calculator are estimates based on this rate and do not include any fees, insurance or other costs that may be set out in the loan agreement.

4. Requirements for applying for a loan

Legal age and capacity to contract.
Truthful, accurate and up-to-date information provided in the application form.
Consent to the verification of the information provided for the purposes of the creditworthiness assessment.

5. User obligations

The user agrees to use the Website lawfully, to avoid providing false information in the application form, and not to use the Website for fraudulent purposes.

6. Disclaimer

Nova Finance Corp does not guarantee approval of any loan application. The operator of the Website is not liable for damages arising from decisions made by the user based on the purely informational estimates provided by the loan calculator.

7. Changes to these terms

These Terms & Conditions may be changed at any time. The version published on the Website at the time the application is submitted always applies.

8. Applicable law

These Terms & Conditions are governed by Spanish law. Jurisdiction lies with the courts of Madrid, Spain, without prejudice to any mandatory consumer protection provisions that may grant the user, as a consumer, a different jurisdiction.