Efectivo Ya!
Fintech · SpainA Spanish loan-comparison platform that helps people find and compare credit offers — with clear terms, real rates and no dark patterns.
Comparison people can trust
Efectivo Ya brings Spanish consumer-credit offers into one place and presents them in plain language. Every listing shows the figures that actually matter — the TAE, fees and total cost — so a decision can be made on the facts.
Rates and reference values such as the 12-month Euríbor are kept current, and the whole experience is tuned for speed and clarity on mobile, where most visitors arrive.
What makes it work
Transparent terms
TAE, fees and total cost shown up front on every offer.
Live reference rates
Euríbor and market data refreshed on schedule from official sources.
Mobile-first speed
Cached, lightweight pages that load fast on any connection.
Full mortgage simulator
Purchase taxes for every autonomous community, official notary and registry fees, and fixed, variable and mixed rates compared side by side.
