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Spain Personal Loan Calculator with APR (TAE)
Work out a personal loan payment, total interest and the real TAE including the opening fee, to compare offers.
Monthly payment
241,79 €
| TAE | 8.61 % |
| Total interest | 1.605,87 € |
| Opening fee | 150,00 € |
| Total cost | 11.755,87 € |
Always compare loans by the TAE (APR), which includes interest and compulsory fees. You have 14 days to withdraw from a consumer loan without giving reasons (Law 16/2011).
✅ Rules last checked:
📚 Official sources: Ley 16/2011 (BOE)
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
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Questions people ask
What's the difference between TIN and TAE?+
TIN is the interest rate; TAE adds compulsory fees and payment frequency. Compare loans by TAE.
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