TomaYa

Short-term online loans

TomaYa offers online short-term loans in Spain without a mortgage or guarantor. It advertises loans of up to €1,500, with repayment periods ranging from 20 to 70 days. Applications are completed online, and approved funds may be sent within minutes.

Rates and promotions

The loans are marketed for speed and accessibility, but the listed annual percentage rate (APR) can be extremely high—up to 9,505.723% in some cases. New customers may be offered reduced interest, such as a stated 0.037% APR, if they meet the applicable conditions.

Company and customer service

The legal name is TomaYa Tecnologías, S.L., based in Madrid, Spain. Customer service is listed as available Monday through Friday, 9:00 a.m.–8:00 p.m. Email: info@tomaya.es. The platform says it protects user data with advanced encryption. Loan terms may vary based on the applicant and product availability.