Is Cashper.es a direct lender or a broker?

Cashper is a consumer-loan brand of Bank DiMare Limited. The current Terms name Bank DiMare as the lender that assesses the application, makes the offer and transfers funds.

What amount and term does Cashper publish?

The live public calculator shows €50–€1,000 and 15–30 days. The Terms also publish selected €50–€250 price options from 16 to 45 days. The binding offer decides the actual amount and due date.

What does the Cashper representative example cost?

The homepage example is €200 for 30 days with a €65 management charge, €265 total repayment and TAE of 2,968.7%. It is a representative example, not a personal quote.

Does 0% nominal interest mean a Cashper loan is free?

No. The published example states 0% nominal interest while applying a management charge. Check every charge and the total repayment in the specific binding offer.

How can a Cashper loan be repaid?

The Terms describe bank transfer, cash or ATM payment into named lender accounts, and debit-card payment via the customer area or telephone. Confirm the current method and reference in the agreement.

What happens if a Cashper payment is late?

The published Terms list €20 the day after maturity, another €20 after 10 days and another €20 after 20 days, plus possible ASNEF reporting after 90 days and prior notice. Contact the lender before the due date for documented options.

Cashper.es offer review · Spain

Organization / product name	Cashper.es — online short-term consumer loan
Provider type	Direct consumer-loan lender: Cashper is a brand of Bank DiMare Limited
Actual lender or lenders	Bank DiMare Limited is the named contractual lender. Cashper’s published Terms call Bank DiMare the lender/bank; a Spanish servicer may support operations but is not identified as the contractual lender in the reviewed public material
Available GEO	Spain
Available currency	EUR (€)
Minimum loan amount	€50 in the public calculator and published fee table; individual availability follows the lender assessment
Maximum loan amount	€1,000 in the public calculator and published fee table; the lender may offer less after individual assessment
Minimum loan term	15 days in the public calculator and 15-day price table. The Terms also publish €50–€250 options starting at 16 days; the signed contract controls
Maximum loan term	30 days in the public calculator. The Terms also publish €50–€250 options up to 45 days; confirm the actual maturity date in the binding offer
Base interest rate per day	0% nominal interest is stated in the representative example. This does not mean a zero-cost loan because management charges apply
Base interest rate per week	Not publicly disclosed as a weekly rate
Base interest rate per month	Not publicly disclosed as a monthly rate
APR / total cost indicator	Published 15/30-day table examples show TAE from 2,450% to 59,141%, depending on amount and term. Representative example: €200 for 30 days, €65 management charge, €265 total repayment and TAE 2,968.7%; not a personal quote
Promotional or reduced interest rate	No universal promotional rate is publicly disclosed. The published 0% figure is nominal interest in a representative example, while management charges still apply
Conditions of the promotional rate	Not publicly disclosed because no one common promotion was identified. Check the current binding offer, management charge, total repayment and any customer-specific condition before accepting
Grace period	No separate grace period is publicly disclosed. The Terms describe a 14-calendar-day withdrawal right, subject to returning funds under the stated procedure
Minimum borrower age	18 years (adult natural person)
Maximum borrower age	Not publicly disclosed
Citizenship requirement	Not publicly disclosed as a standalone nationality rule. The application terms request DNI or NIE data; confirm the live eligibility wording
Residency requirement	Permanent residence in Spain
Required bank account	A personal bank account / IBAN in the borrower’s own name is required for the transfer and application process
Required bank card	Not publicly disclosed as a universal application requirement. The Terms permit card repayment through the customer area or telephone channel
Income requirement	Income evidence is requested in the public documentation list (payroll, unemployment benefit or pension evidence). No fixed minimum income is publicly disclosed
Employment requirement	No fixed employment category is publicly disclosed. The lender assesses the application and financial situation individually
Credit-history requirements	Individual creditworthiness assessment applies. The Terms say relevant databases may be consulted; a refusal based on a third-party database triggers the information process described in the Terms
Disbursement methods	Bank transfer to the borrower’s own account after the lender accepts and processes the application
Repayment methods	Bank transfer; cash or ATM payment into named lender accounts; or debit card through the customer area or telephone channel, subject to the current agreement
Application review time	No fixed decision time is contractually published. The website says the application can be completed in minutes, but the lender may need to assess information and creditworthiness
Advertised time to receive funds	Cashper says it seeks to transfer funds as soon as possible after approval. No guaranteed crediting time is published; approval, cut-off time and bank processing affect arrival
Early repayment conditions	The Terms say full or partial early repayment can be made before maturity without additional cost. Confirm the current settlement amount and payment instructions in the agreement
Extension or rollover	A refinancing or change request must be made in writing, including through customer service, and is at the lender’s discretion. Any fee and revised schedule require written approval
Late-payment charges	Published Terms: €20 the day after maturity, another €20 after 10 days and another €20 after 20 days. After 90 days, a borrower may be reported to ASNEF after prior notice; the Terms state a €35 processing cost. The agreement controls the current outcome
Permitted loan purpose	Personal consumer borrowing; Cashper’s public page presents general personal needs. The lender’s binding offer and applicable law control the actual permitted use
Legal entity	Bank DiMare Limited (Cashper is a brand of Bank DiMare Limited)
Company registration number	Malta company registration C46997; Spanish tax ID N0461360J; VAT MT22000114. CNMV record 563 identifies BANK DIMARE LIMITED as an EU credit institution operating in Spain under freedom to provide services
Registered address	The Emporium, C De Brocktorff Street, Msida MSD 1421, Malta. The Terms also publish a Spain service address: C/ Zurbano 45, 1ª planta, 28010 Madrid
Licence number	C46997 is the company registration used in Cashper’s legal materials. No separate current Spanish lending licence number was independently identified in the reviewed material
Regulator	Cashper’s Terms state that Bank DiMare is authorised and regulated by the Malta Financial Services Authority (MFSA). CNMV record 563 and Banco de España’s Malta MFI list independently record Bank DiMare as an EU credit institution operating in Spain
Licence status	Current official Cashper Terms state MFSA authorisation/regulation. CNMV record 563 and the Banco de España Malta MFI list corroborate its credit-institution/FOS status; this review did not independently obtain an MFSA search-result record
Customer-support channels	Cashper customer service telephone 91 181 79 20 is published in the Terms for card repayment. Use the current official Cashper customer area or contact channel for application, payment and complaint instructions
Date checked	September 10, 2026

Editorial status · Approx. 9 min read · Offer checked September 10, 2026

Cashper.es review: a Bank DiMare direct-loan product for Spain

Cashper.es is not presented here as a broker or a comparison form. Its current legal documents identify Cashper as a consumer-loan brand of Bank DiMare Limited, and name Bank DiMare as the lender that assesses an application, makes the binding offer and transfers funds after acceptance. That distinction matters because the company shown in the contract sets the repayment obligation, receives payment and handles the lending relationship.

The public calculator shows a short-term route from €50 to €1,000 and a 15–30-day selector. Cashper also publishes a more detailed terms price grid with €50–€250 options from 16 to 45 days, so no single marketing range should be treated as a universal promise. The amount approved, maturity date and total cost remain individual. This review follows the live legal material and separates application, lender decision, transfer and repayment.

Who lends through Cashper and how its Spanish legal position is described

Cashper’s homepage and Terms identify Bank DiMare Limited as the legal lender. The Terms give Malta company registration C46997, Spanish tax ID N0461360J and VAT MT22000114, with registered office at The Emporium, C De Brocktorff Street, Msida MSD 1421, Malta. They also publish a Spain service address at C/ Zurbano 45, 1ª planta, 28010 Madrid. Older documents may use the former Novum Bank Limited name; the current Cashper material uses Bank DiMare Limited, so this review follows the current name rather than treating the historical brand name as a separate creditor.

The current Terms say Bank DiMare is authorised and regulated by the Malta Financial Services Authority and works in Spain under EU freedom to provide services. Two official Spanish sources support the credit-institution context: CNMV record 563 lists BANK DIMARE LIMITED as an EU credit institution operating in Spain under that regime, and Banco de España’s Malta MFI list identifies the same firm as an entidad de crédito. Those entries are corroboration, not a substitute for reading the contract. The review did not obtain a standalone current MFSA search record, so it does not invent a separate licence number beyond the published company and register details.

Amounts, terms and the difference between the calculator and a binding offer

The public Cashper selector currently displays €50–€1,000 and 15–30 days. The Terms price schedules are more nuanced: one public grid covers 15 and 30 days, while another covers selected €50–€250 amounts over 16–45 days. That is not a contradiction to hide; it shows why the live result and contract must be checked together. A consumer should note the principal, management charge, exact number of days, due date and total amount payable before accepting. If the offer shows a different term or a lower amount, that specific written proposal controls the transaction.

Cashper’s Terms describe a direct remote application and an individual assessment of the borrower’s financial situation and creditworthiness. A slider maximum is therefore not an entitlement. The lender may decline, request further evidence or make an offer on different terms. The safe comparison is not “how much can the page display?” but “how much reaches my own account and what total must be available by the maturity date?” A short repayment window can make even a relatively small principal difficult to manage when rent, utilities or existing debt fall due at the same time.

TAE, management charges and why 0% nominal interest is not zero cost

Cashper’s representative homepage example uses €200 for 30 days, a €65 management charge, total repayment of €265 and TAE of 2,968.7%. It also states 0% nominal interest. The two statements are compatible: the advertised example treats the interest rate as zero while charging a management cost. The published 15/30-day table shows TAE figures from 2,450% to 59,141%, depending on the displayed amount and term. These values are representative table examples, not a personal quote, and a high annualised figure should be read alongside the actual cash cost and number of days.

No common first-loan discount or other universal promotion was identified in the current public materials reviewed for this page. Do not read “0% interest” as a promise that the loan is free, and do not manufacture a daily, weekly or monthly rate from TAE. Before confirmation, compare five lines in the binding offer: principal, management charge, total repayment, due date and every fee triggered by a change or a late payment. If an offer says a customer-specific promotion applies, retain the screen and ask Cashper to state the qualifying amount, term and consequences of a missed payment in the contract or other durable medium.

Record the exact principal and the management charge shown by the current calculator or binding offer.
Check the total repayment and maturity date against income and essential spending, not against the maximum slider amount.
Treat the €200 / 30-day / €65 / €265 representative example as an example, not as a personal tariff.
Do not infer a periodic rate from TAE; use the written cost and payment schedule for the actual loan.

Eligibility, documents and creditworthiness assessment

The reviewed Terms require an adult natural person with permanent residence in Spain. They ask for application data including DNI or NIE details, identity and address information, a bank account / IBAN and other financial information needed for an assessment. Cashper’s public documentation list names income evidence such as a payroll, unemployment-benefit or pension document, the front and back of a DNI, and proof of the account or a direct-debit receipt. That is more specific than a promotional claim about “no documents”, and it is the better guide to prepare for the application.

The lender assesses creditworthiness using the information supplied and relevant databases. No fixed minimum income, public credit-score threshold, maximum age or universal card requirement was found in the reviewed materials. A person can meet the basic residence and identity conditions and still receive a different amount or no offer. The request should be submitted only through the verified Cashper route, with an account in the borrower’s own name. Read the privacy notice before sharing documents: it names Bank DiMare as controller and explains the data relationship; optional marketing choices should be considered separately from data needed to process a genuine application.

Approval, payout, repayment and the realistic meaning of “fast”

Cashper describes a fully remote process: complete the application, receive the lender’s response, accept the offer if one is made and receive a transfer to the account after the process is complete. It says it seeks to send money as soon as possible after approval, but it does not publish one guaranteed account-crediting time. An approval, signed acceptance, bank cut-off, weekend and receiving bank can each affect arrival. For that reason, a person should not rely on a prospective transfer to cover a bill until the lender confirms approval and the bank account shows the credited amount.

The Terms describe several payment routes: bank transfer, cash or ATM payment into named lender accounts, and debit-card payment through the customer area or by telephone. The public Terms name 91 181 79 20 for the telephone card-payment channel. The agreement should still be checked for the correct current beneficiary, reference, cut-off time and payment date; an old account detail copied from an internet search can lead to a failed or misdirected payment. Keep a receipt and obtain confirmation that the balance is zero after final repayment rather than assuming a submitted transfer has closed the loan.

Withdrawal, early repayment, changes and late-payment consequences

The Terms describe a 14-calendar-day withdrawal right from the contract or receipt of the contractual information, using the notice procedure in the document. A borrower who withdraws must return the funds under the stated timetable, so withdrawal is not a free period of use. They also say full or partial early repayment may be made before maturity without additional cost. Before using either option, obtain the current settlement amount, the correct notice channel and the payment instructions. The final agreement and any durable-medium notice should settle an exact deadline or figure if the website copy differs.

Cashper does not present a rollover as automatic. Its Terms say a refinancing or change request must be made in writing, including through customer service, and is subject to lender discretion and written approval. For late payment, the published schedule lists €20 the day after maturity, another €20 after 10 days and a further €20 after 20 days. The Terms also describe possible ASNEF reporting after 90 days and prior notice, with a stated €35 processing cost. Those consequences make it important to contact the lender before the due date, request written options and never treat a new loan as the default way to pay an existing one.

Borrow Radar assessment: what to verify before accepting Cashper

The public record supports a clear conclusion about the service model: Cashper is a direct Bank DiMare consumer-loan product, not a lead form that merely passes a borrower to an unnamed lender. That can make the legal counterparty easier to identify, but it does not make approval, speed or cost automatic. The meaningful review point is whether the binding offer names Bank DiMare, matches the amount and term actually requested, gives a management charge and total payable, and can be repaid from reliable income without reducing essential spending. A representative example is a comparison tool, not a reason to borrow the maximum.

Cashper may be worth considering only when the person understands the short term, can cover the complete total on the due date and has compared a lower-cost option such as a payment arrangement with the biller, a bank product, employer advance or free debt advice. It is a poor fit for a recurring budget shortfall, a hoped-for guaranteed approval or a plan to refinance repeatedly. Save the application response, pre-contract information, agreement, payment instructions and receipts. If the creditor name, total, due date or late-fee explanation is unclear, pause and ask through the official channel before accepting the money.

Confirm Bank DiMare Limited as the lender in the binding offer, not only on a page footer.
Compare principal, management charge, total repayment and maturity date as one set of figures.
Prepare DNI/NIE, income evidence and proof of an account in the applicant’s own name.
Use the official repayment instructions and retain payment receipts and the final zero-balance confirmation.
Contact Cashper before maturity if repayment could be difficult; do not assume an extension is automatic.

Cashper.es frequently asked questions

Question 1Is Cashper.es a direct lender or a broker?: Answer
Cashper is a consumer-loan brand of Bank DiMare Limited. The current Terms name Bank DiMare as the lender that assesses the application, makes the offer and transfers funds.
Question 2What amount and term does Cashper publish?: Answer
The live public calculator shows €50–€1,000 and 15–30 days. The Terms also publish selected €50–€250 price options from 16 to 45 days. The binding offer decides the actual amount and due date.
Question 3What does the Cashper representative example cost?: Answer
The homepage example is €200 for 30 days with a €65 management charge, €265 total repayment and TAE of 2,968.7%. It is a representative example, not a personal quote.
Question 4Does 0% nominal interest mean a Cashper loan is free?: Answer
No. The published example states 0% nominal interest while applying a management charge. Check every charge and the total repayment in the specific binding offer.
Question 5How can a Cashper loan be repaid?: Answer
The Terms describe bank transfer, cash or ATM payment into named lender accounts, and debit-card payment via the customer area or telephone. Confirm the current method and reference in the agreement.
Question 6What happens if a Cashper payment is late?: Answer
The published Terms list €20 the day after maturity, another €20 after 10 days and another €20 after 20 days, plus possible ASNEF reporting after 90 days and prior notice. Contact the lender before the due date for documented options.

Official sources used

Official Cashper homepage, calculator, representative example and footer disclosuresOfficial provider page · opens in a new tab ↗Official Cashper Terms and Conditions — Bank DiMare LimitedOfficial provider page · opens in a new tab ↗Official Cashper Privacy Statement — Bank DiMare Limited as data controllerOfficial provider page · opens in a new tab ↗CNMV public register — BANK DIMARE LIMITED, record 563Official provider page · opens in a new tab ↗Banco de España Malta monetary-financial-institutions list — Bank DiMare LimitedOfficial provider page · opens in a new tab ↗

Source record checked September 10, 2026. Prices, eligibility and approval remain dependent on the live creditor agreement.

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