Lenders ask for documents to confirm who you are and whether you can repay the loan. The list is similar across most platforms, but the exact requirements can change.
Identification
A current official ID (INE or passport) is almost always required. The name and address on the ID should match the information you enter in the application. An expired ID is usually rejected.
Proof of income
Recent pay stubs, a bank statement that shows salary deposits, or a tax return are the most common options. Self-employed applicants may need additional records. The lender uses this information to estimate the monthly payment you can handle.
Some platforms accept digital copies; others ask you to upload photos of the original documents. Follow the instructions on the official site.
Proof of address and contact details
A recent utility bill or bank statement that shows your current address is standard. The lender also needs a working phone number and email so they can contact you during the review.
Keeping these documents ready before you start the application reduces delays.
Additional points to consider
Comparing options takes a few extra minutes but can save a significant amount of money over the life of the product. Write down the key numbers (rate, fees, total cost, term) for each offer so you can see the differences clearly instead of relying on memory.
Official websites update their terms regularly. The numbers you see today may change after the provider reviews your specific information. Always confirm the final figures on the provider’s site before you accept any offer or create an account.
If something is unclear, use the help or contact section on the official website. Reputable providers explain their fees, rates, and requirements in plain language. Third-party summaries are useful for orientation but do not replace the official information.
Take your time. Rushing an application or a signup because of a limited-time promotion often leads to choices that cost more later. A clear understanding of the total cost and the conditions is more valuable than speed.
Note: This site is independent and informational. Applications and final terms are handled only on the official website of the lender.