Financiar24

What Financiar24 is

Financiar24 is an online credit-search service that acts as an intermediary between applicants and participating financial companies. A single form gathers applicant information and searches for offers that may fit the stated credit profile. The service says applicants do not pay the comparison platform directly because its revenue comes from agreements with financial partners.

Products presented

• Short-term credit and personal loans, generally from €100 to €5,000.
• Promotional first-loan offers of up to €300 at 0% APR, subject to the individual lender's approval and terms.
• Offers intended for some applicants listed in ASNEF credit-default files.
• Debt-consolidation products combining several payments into one installment.
• Credit-card comparisons, including virtual and Mastercard products.
• Loans secured by a vehicle.

How it works

The published process begins with a requested amount of up to €5,000 and a repayment period from 12 to 96 months. The applicant submits personal information, reviews offers returned by participating providers and, if choosing one, completes the transaction with that lender. A match is not the same as credit approval.

Costs and company details

The company says more than €300 million in credit has been granted through its network. Representative examples in the source profile showed a fixed annual interest rate of 59.88% and APRs ranging from 8.95% to 81%, demonstrating how sharply total cost can vary. Financiar24 belongs to the Finnish-founded Draivi group and lists a Spanish registered address at Carrer de Tuset 3, fifth floor, Sarrià-Sant Gervasi, 08006 Barcelona. Email: info@financiar24.es.

What borrowers should compare

Financiar24 is a broker rather than the direct lender. Its practical role is to centralize a search, while the contract, approval decision, funding and repayment obligations belong to the selected financial company.

Before accepting an offer, borrowers can compare the APR, total amount repayable, installment dates, late-payment charges, early-repayment rules, optional products, lender identity and the European Standard Consumer Credit Information supplied for the specific agreement.