Need a hand?

Revolut offers unsecured personal loans between the values of €2,000–€30,000. You can apply for and manage your loan through your Revolut app.

Loan conditions, including interest rates, will depend on your individual circumstances and risk profile. You need to submit an application in-app to get a loan offer. You'll be able to review the final offer before accepting the loan.

• You permanently live in Spain and your current address is linked to your Revolut account
• You're at least 18 years old
• You have no missed or late payments on your credit file
• You have a local mobile phone number linked to your Revolut account
• You're employed (full-time, part-time, or self-employed) with a regular income. You don’t need to receive your income into your Revolut account
• You're a customer of Revolut Bank UAB for at least 30 days
• You have no personal details missing from your Revolut account
• You have no negative balances in your Revolut account and no overdue commitments to third parties
• You meet the requirements of Revolut Bank UAB's internal risk policies

• Go to 'Home' on the bottom menu
• Below your balance, tap Accounts
• Tap 'Add new'
• Select Personal loan
• Fill out the short application
• If requested, link your salary bank account via secure Open Banking. This is required for us to verify your income

Once you submit your application, we'll carry out credit checks to determine if your request meets our lending policy. If we need more information, we'll reach out via email. If we need additional documents, you'll be able to submit them in-app. You should get a decision within 10 business days.

Personal Loan applications are not reported to the Credit Bureau and do not impact your credit report.

If your loan is approved, your offer may be different to what you applied for. You'll be able to review the terms and accept, reject, or edit the offer. You need to finalise the process by:

• Viewing the offer
• Editing the offer (if needed)
• Reading the pre-contractual documentation
• Accepting the offer
• The disbursement will be available in your Revolut account immediately

When reviewing your application, we consider your existing financial obligations, expenses, and income. If we find that the amount and term you initially asked for may lead to financial difficulties, we'll adjust the offer. Our decision is final and can't be changed by our customer support agents.