Bank Loans
Compare the best bank loans options for freelancers and SMEs.
How to compare loans and credit lines
Comparison guide · 07/10/2026A loan delivers a capital that is returned with quotas; a line of credit allows to have money up to a limit. Before deciding, compare the net amount received, the share and the total cost for the same period.
Para quién: People who need finance and businesses that study liquidity or investment. A personal loan does not automatically amount to financing for a company.
Conceptos, requisitos, costes y fuentes
Qué revisar antes de contratar
- Purpose of the money, amount requested and capacity to return.
- Revenue documentation, tax returns, activity seniority and debts.
- Guarantees, guarantees and approval of the solvency analysis requested by the supplier.
Costes que debes comparar
- TIN, TAE, opening commission and total amount to be returned.
- Interest and costs of the availability or renewal of a credit line.
- Early compensation, associated insurance and non-payment costs.
- Loan
- You get a capital and return it according to a agreed calendar.
- Credit line
- You can have up to a limit; check the interest of the provisions and other commissions.
- TAE
- Annual indicator to compare financial cost under supply assumptions.
- Aval
- Commitment of another person or entity to respond for the debt in the terms agreed.
Ten en cuenta
- The approval and the price depend on the institution's analysis.
- It avoids comparing only the quota: a longer period can raise the total cost.
Quick answer
Banking savings, mortgages, loans and fintech. On Simplifico you can compare 11 products from 11 brands in Bank Loans, such as Cetelem, Abanca and Banco Santander. 11 listings include the Simplifico Opinion: who it suits and its limitations. Each listing summarises features and pricing and links to the provider's website, which sets the final terms.
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