Get access to credit simply, with repayment terms of up to 96 months and 100% online contracting.

Taking control of your finances also means having access to agile solutions when you need them most. With the Bankinter loan, you have the freedom to achieve your goals with security, predictability, and — best of all — the backing of one of Spain’s most solid institutions.

Whether you’re advancing your salary, organizing your finances, or investing in your future, this credit line might be the missing piece.

Want to understand all the details, see who can apply, what amounts are available, and how to get started?

Keep reading the full article and discover how the Bankinter loan can turn your plans into reality.

What is the Bankinter Salary Advance Loan?

Bankinter offers its clients an exclusive and innovative credit line: the salary or recurring income advance loan.

Here’s how it works: you can advance the amount of your payroll or any other regular income — such as a pension or professional income — and use it immediately, without waiting for it to be deposited.

It’s like receiving your future money today. The difference? It comes with special conditions and a lot of convenience.

The key advantage lies in flexibility. The client chooses how much to advance and over what period to repay it: 1 or 3 months. It’s a solution designed for those who already have guaranteed income and need early access to it, without complications or long processes.

Amounts and Terms for All Profiles

If your needs go beyond a simple advance, Bankinter also offers personal loans with higher amounts — ideal for larger projects.

You can request amounts from €3,000 to €150,000, with repayment options ranging from 6 to 96 months. In other words: total freedom to choose the amount you need and the term that fits your budget.

In the salary or income advance option, the amount is usually linked to your monthly income — and can go up to 100% of the net value, depending on your client profile.

Payment is made quickly, and the amount is scheduled to be repaid in the following months — no surprises.

What Can You Use the Bankinter Loan For?

The best part? You decide how to use it. There are no restrictions on how the money must be spent. This credit line is designed for whatever you want to accomplish:

• Travel to your dream destination without hurting your monthly liquidity;
• Renovate your home or finally complete that long-postponed improvement;
• Pay for tuition, a course, or invest in your education;
• Cover unexpected medical or family emergencies;
• Consolidate debts and organize your finances with a single installment;
• Or simply breathe easier during tight financial moments.

At the end of the day, it’s your money — available right when you need it most.

Who Can Apply?

This loan is an exclusive benefit for clients who hold specific types of accounts at Bankinter. Generally, eligible clients have accounts like Cuenta Nómina, Cuenta Pensión, Cuenta Profesional, or similar accounts with recurring income.

Additionally, the following basic criteria are often required:

• Proof of regular income, above a minimum monthly amount;
• Salary or income domiciled in a Bankinter account;
• Active use of the bank’s products, like a debit or credit card;
• Frequent account activity.

If you already meet these conditions, great! You’re just one step away from requesting your loan with ease and competitive rates.

Step-by-Step Guide to Applying for a Bankinter Loan (and Requirements)

Applying for your loan at Bankinter is a fast, intuitive process designed to simplify your life. If you’re an active client and meet these conditions, move on to the next step.

How to Apply for Your Loan:

1. Choose your preferred channel
Visit the official Bankinter website or open the app on your mobile device. If you prefer, you can also visit a branch to apply in person.

2. Select the type of loan
You can choose between:

• Salary/income advance (repayment in 1 or 3 months);
• Traditional personal loan (repayment from 6 to 96 months).

3. Simulate the desired amount and term
Enter the amount you wish to borrow and how long you want to repay it. The system will automatically calculate the estimated installment and show you the applicable terms.

4. Submit your application
Confirm your information and send your request. If needed, the bank may ask for additional documents (such as income proof or ID).

5. Wait for the credit evaluation
Bankinter will review your profile. In most cases, especially with salary advances, approval can be almost immediate.

6. Sign the contract digitally
If approved, you’ll receive the contract for electronic signature. Read all terms carefully before confirming.

7. Receive the funds in your account
Once signed, the money is deposited directly into your Bankinter account. Ready to use however you choose!

Why Choose Bankinter?

There are many credit options in the market, but few offer the security, flexibility, and convenience that Bankinter provides to its customers.

Here are the main benefits:

Fast Disbursement

Especially with the salary advance option, funds can be in your account within hours — as long as you meet the account and credit requirements.

Fair and Transparent Rates

The advance loan can be contracted with 0% interest (TIN), with only a small opening fee — making the total cost much lower than other products.

Medium- and long-term personal loans come with customized terms, competitive rates, and extended repayment options.

Total Flexibility

You choose the amount, the term, and how to use the funds. No explanations or unnecessary paperwork. Your money, your rules.

Seamless Account Integration

Since the product is exclusive to Bankinter clients, you don’t need to submit endless documents. The bank already knows your profile and offers the best proposal based on your history.

Smart Tips Before Applying

Before taking any type of credit, it’s important to reflect and take some simple precautions:

• Run realistic simulations based on your monthly budget;
• Avoid committing more than 30% of your income to loan repayments;
• Read the contract carefully — especially clauses on early repayment and fees;
• Consider the financial impact in both the short and medium term;
• And if you have doubts, speak to a bank advisor before signing.

A loan can be a powerful ally when used wisely — and Bankinter is ready to help you make the most of it.

Conclusion: Freedom and Trust with Bankinter

The Bankinter loan is more than just a line of credit — it’s a smart way to bring your goals closer, organize your finances, and act confidently in decisive moments.

With flexible amounts, tailored terms, and a streamlined process, this solution is within reach for anyone seeking autonomy backed by a strong and innovative bank.

Now that you know all the advantages of Bankinter, how about exploring another credit option with a different approach?

In the next article, we’ll introduce Vivus Loan — a 100% online alternative, ideal for those who need speed and instant decisions. Click and find out how Vivus can help you.