Is MyKredit a lender or a broker?

MyKredit’s public materials identify Trive Credit Spain, S.L. as the operator that evaluates creditworthiness and grants microloans. That supports a direct-lender description for this route; the final agreement should still identify the creditor.

How much can a new MyKredit customer request?

The current public selector shows €100–€600 for a new customer. The website says a returning customer can access up to €2,500, but any approved amount remains individual.

What does the MyKredit calculator example cost?

On 10 September 2026, its €100 example showed €142.90 total over 33 days with one instalment and TAE 4,517%, or €219.75 total over 125 days with four instalments and TAE 4,742%. These are live examples, not personal quotes.

Does MyKredit require a payroll certificate or reject everyone in ASNEF?

The website says a payroll certificate is not needed and its homepage says it does not query ASNEF. Its FAQ and privacy notice describe individual assessment and possible solvency-file data, so neither statement is an approval guarantee.

How quickly can MyKredit send funds?

The website advertises about ten minutes, but final timing depends on approval, verification, bank processing and timing. A displayed decision is not a guarantee that funds have reached the account.

Can a MyKredit loan be extended or cancelled?

Provider-supplied information mentions a 14-day withdrawal period and a paid extension option. Check the accepted agreement for the current notice process, price, settlement amount and dates before relying on either option.

MyKredit offer review · Spain

Organization / product name	MyKredit — online consumer-loan products
Provider type	Direct consumer-credit lender, according to the operator’s public materials
Actual lender or lenders	Trive Credit Spain, S.L. (trading as MyKredit)
Available GEO	Spain
Available currency	EUR (€)
Minimum loan amount	€100
Maximum loan amount	€600 for a new customer; up to €2,500 for a returning customer, as stated on the website
Minimum loan term	The current calculator exposes 2 days as a selectable setting; the final schedule is stated in the individual proposal
Maximum loan term	The website states up to 6 months; the current public calculator exposes 1–4 instalments. The individual proposal controls the final term
Base interest rate per day	Not publicly disclosed as one universal daily rate
Base interest rate per week	Not publicly disclosed
Base interest rate per month	Not publicly disclosed as one universal monthly rate
APR / total cost indicator	Calculator checked 10 September 2026: €100 / one instalment shows 33 days, €42.90 interest, €142.90 total and TAE 4,517%; €100 / four instalments shows 125 days, €119.75 interest, €219.75 total and TAE 4,742%. These are live examples, not a personal quote
Promotional or reduced interest rate	No universal promotional or reduced rate was publicly displayed in the reviewed materials
Conditions of the promotional rate	Not applicable where no current universal promotion is published; read the individual proposal for any campaign condition
Grace period	Information supplied by the provider states a 14-day withdrawal period; check the current pre-contract information for the notice route and settlement amount
Minimum borrower age	18 years (adult)
Maximum borrower age	Not publicly disclosed
Citizenship requirement	Not publicly disclosed separately; the public application materials require valid DNI or NIE
Residency requirement	Residence in Spain
Required bank account	An online bank account in the applicant’s name is required for the public application flow
Required bank card	A debit or credit card linked to the applicant’s bank account is stated in the public materials
Income requirement	The website says no payroll certificate is required; no fixed minimum income is publicly disclosed and individual assessment applies
Employment requirement	Not publicly disclosed; no payroll certificate is stated as necessary, but individual assessment applies
Credit-history requirements	The homepage says it does not query ASNEF, while the privacy notice lists solvency-file data among processed information. The public materials do not state one universal assessment rule
Disbursement methods	Transfer to the verified account after approval; the public route is online
Repayment methods	Provider-supplied information lists bank card, bank transfer, Bizum and automatic debit; confirm the methods in the accepted agreement
Application review time	The FAQ says review takes less than 10 minutes and an initial decision is shown instantly; verification or a support call can extend the process
Advertised time to receive funds	The website advertises a decision and transfer in about 10 minutes; funding depends on approval, verification, the receiving bank and timing
Early repayment conditions	Not publicly disclosed in the reviewed public materials; request the current payoff figure and applicable contractual conditions before paying early
Extension or rollover	Provider-supplied information says an extension may be available for an additional fee; availability, price and the new schedule must be confirmed in the agreement
Late-payment charges	Not publicly disclosed as one universal tariff in the reviewed materials; the accepted agreement controls fees, notices and consequences
Permitted loan purpose	Personal consumer needs; the reviewed public materials do not publish an exhaustive permitted-purpose list
Legal entity	Trive Credit Spain, S.L.
Company registration number	NIF B87258091; Registro Mercantil de Madrid, tomo 33452, folio 57, hoja M-602130
Registered address	Calle Francisco Silvela 42, UTOPICUS, 28028 Madrid, Spain
Licence number	Not publicly disclosed
Regulator	The reviewed public materials do not identify a regulator or authorisation number; Banco de España status was not independently confirmed for this review
Licence status	No public licence number or independently confirmed Banco de España registration is stated here
Customer-support channels	[email protected]; +34 912 907 100; 900 730 072; published hours: Mon–Fri 09:00–18:00, Sat/Sun and national holidays 09:00–17:00
Date checked	September 10, 2026

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

MyKredit review: direct online consumer lending in Spain

MyKredit presents its Spanish route as an online consumer-lending service operated by Trive Credit Spain, S.L. Its privacy notice names that company as the controller that evaluates creditworthiness and grants microloans, while the “About us” page says the brand is owned and managed by Trive Credit Spain, S.L. This supports describing MyKredit as the direct lender for this route. Read the named lender, amount, cost, schedule and repayment account in the pre-contract information before accepting.

The current homepage advertises €100–€600 for a new customer and up to €2,500 for a returning customer. Its calculator presently lets a visitor choose €100–€600, 2–31 days and one to four instalments; the completed calculation can turn a selected “30 days” into a 33-day one-instalment schedule or a 125-day four-instalment schedule. The wider “up to six months” statement elsewhere on the site and the calculator are not interchangeable promises. The review separates them; the individual proposal controls the actual loan.

Legal identity, lender role and regulatory disclosure

The official privacy and contact pages identify Trive Credit Spain, S.L., trading as MyKredit, with NIF B87258091. The company publishes Calle Francisco Silvela 42, UTOPICUS, 28028 Madrid as its address. Official BORME notices link the entity to Madrid Commercial Registry tomo 33452, folio 57, hoja M-602130; a 2025 notice records Trive Credit B.V. as sole shareholder. The company’s own description and the purpose stated in its privacy notice give concrete evidence of a lender role: it evaluates a customer’s credit situation and provides microloans. They do not turn a calculator screen into an approval or a fixed contractual price.

No reviewed MyKredit page states a Banco de España licence number, a financial-supervision registration number or the name of a regulator for this product. The review does not infer that a licence is absent. It only records that a public authorisation number was not disclosed and that a Banco de España registry status was not independently confirmed for this update. AEMIP lists MyKredit as an associate, but AEMIP is an industry association, not a financial regulator.

MyKredit amounts, schedules and what the calculator actually shows

The public amount boundary is €100–€600 for a first customer, with the website stating up to €2,500 for an existing customer. Neither number is a right to receive that amount. The public calculator provides a narrow live first-customer selector and lets the visitor choose one, two, three or four instalments; it also displays day selections from 2 through 31. A checked €100 example with the 30-day setting and one instalment rendered a 33-day schedule. With four instalments, the same €100 setting rendered a 125-day schedule. A visitor should therefore read the finished calendar rather than assume that a slider label is the credit duration.

A page on the route also describes repayment in monthly instalments and says a loan can run for up to six months. That wording is broader than the current calculator’s one-to-four-instalment display. The responsible conclusion is not to choose whichever maximum sounds most attractive: it is to check the exact term, number of debits, due dates and total amount in the specific proposal. Request only the amount needed, then put every expected debit next to rent, food, bills, transport and existing debt.

TAE, live cost examples and a careful comparison method

The MyKredit calculator checked on 10 September 2026 gave two useful live examples for €100. With one instalment and a chosen 30-day setting, it displayed 33 days, €42.90 interest, €142.90 total repayment and TAE 4,517%. With four instalments, it displayed 125 days, €119.75 interest, €219.75 total repayment and TAE 4,742%. Those are calculator examples observed on that date, not a quote for every person or a guarantee that the same payment plan will be offered.

The reviewed public materials do not publish one standard daily, weekly or monthly rate that can safely be applied to all MyKredit products. An annual percentage indicator should not be divided into a daily rate, and the calculator examples should not be scaled mechanically to another amount or term. Compare the cash actually credited, all scheduled payments, the total euros due and every fee disclosed in the proposal. If the lender changes the amount, term or instalment count after verification, the cost comparison must be redone. Promotional rate claims were not displayed as a universal current tariff in the materials reviewed for this page.

Save the calculator example with its amount, effective duration, number of instalments, interest and total due.
Compare every payment date with income and essential household payments, not only with the maximum shown on the slider.
Read the TAE together with total repayment in euros and the complete payment calendar.
Do not derive a fixed daily, weekly or monthly rate from a live TAE example.
Recheck every figure if the lender presents a different amount, term or repayment method before signing.

Eligibility, identity checks and the online application

The public MyKredit route says an applicant must be an adult, reside in Spain, hold valid DNI or NIE, have a mobile phone and be able to access online banking. The website also states that a debit or credit card linked to the applicant’s bank account is used in its public flow. The applicant should use an account and card in their own name and never disclose a bank password or one-time verification code to an unverified caller. The provider says a payroll certificate is not required, but this does not mean income, affordability or account information is irrelevant to the decision.

The FAQ says acceptance is primarily based on account history and that the displayed result can appear instantly; it also states that a support call or additional review can occur before final confirmation. The homepage says the service does not make an ASNEF query, yet the privacy notice lists solvency-file information among the data it may process for credit evaluation and debt management. The two public statements do not establish one universal “no credit checks” rule. Read the current privacy notice and stop if the legal entity or consent wording changes unexpectedly.

Funding, repayment methods and timing statements

MyKredit advertises a quick online process and states that a decision and transfer can take about ten minutes. The FAQ qualifies this with verification and potential customer contact, so the statement should be treated as a service target rather than a guaranteed time when funds will arrive. Approval, identity checks, account validation, the chosen payment route, bank cut-off times, weekends and public holidays can all affect the actual crediting time.

Information supplied by the provider lists repayment by bank card from the customer area, bank transfer, Bizum and automatic debit. The public pages reviewed for this update do not establish that every method is available for every agreement or that any method has no processing time. The final contract should state the payable amount, each due date, method, recipient account and reference. Retain the payment receipt and allow time for a transfer to be recorded. If a payment may be missed, contact MyKredit through a published channel before the due date and request a written explanation of the available options rather than relying on a chat message or an advertising screen.

Withdrawal, early settlement, extensions and late-payment uncertainty

Provider-supplied information states that MyKredit has a 14-day withdrawal period. The reviewed public route did not expose a complete current rule for the notice method, the day from which the period is counted or the amount that must be returned after funds have been received. It is therefore not described as a free trial or grace period here. Before signing, read the contract’s withdrawal clause, the notice channel, the repayment deadline and the current settlement calculation.

The provider also states that an extension may be available for an extra fee. Its availability, price, new due date and effect on total repayment must be confirmed in the individual agreement or a written proposal; it should not be assumed from a general statement. The reviewed materials do not publish a universal early-repayment rule or one universal late-charge tariff, so no number is invented in this review. Early repayment may change the cost, while delay may trigger notices, collection activity or solvency-file consequences under the agreed terms. Ask for a live payoff or extension figure in writing and compare it with the ability to repay without borrowing again.

Who may find MyKredit relevant — and who should pause

The public evidence supports a focused description: MyKredit is an online Spain consumer-lending route operated by Trive Credit Spain, S.L., with a €100–€600 new-customer calculator and broader returning-customer claims. It does not support guaranteed approval, a fixed daily rate, a single cost for every applicant, a confirmed Banco de España status, an unconditional ten-minute payout, a universal no-ASNEF rule or a free extension. Those limits matter because short schedules and high annualised percentage indicators can turn a small amount into a demanding set of payments.

The route may be worth comparing only if a borrower can repay the full proposed amount from reliable income, understands the creditor identity and data path, and has verified the total in euros and every due date. It is a poor fit for a recurring budget shortfall, uncertainty about the payment account, a plan built around refinancing the first instalment, or a claim that someone must decide immediately. Alternatives can include an agreed bill-payment plan, a bank product, an employer advance, family support, local consumer advice or debt advice. Borrow Radar does not make credit decisions or recommend a loan; this page is a factual checklist for comparing the individual proposal.

Confirm Trive Credit Spain, S.L. and the contract details before accepting the route as a direct loan.
Treat the public calculator as an example and compare its effective duration with the final repayment calendar.
Check the exact total, instalment dates, payment method and recipient account in the accepted documents.
Do not treat “no payroll” or one homepage ASNEF statement as a promise that no assessment will occur.
Request written figures before relying on withdrawal, early repayment, extension or late-payment terms.

MyKredit FAQ

Question 1Is MyKredit a lender or a broker?: Answer
MyKredit’s public materials identify Trive Credit Spain, S.L. as the operator that evaluates creditworthiness and grants microloans. That supports a direct-lender description for this route; the final agreement should still identify the creditor.
Question 2How much can a new MyKredit customer request?: Answer
The current public selector shows €100–€600 for a new customer. The website says a returning customer can access up to €2,500, but any approved amount remains individual.
Question 3What does the MyKredit calculator example cost?: Answer
On 10 September 2026, its €100 example showed €142.90 total over 33 days with one instalment and TAE 4,517%, or €219.75 total over 125 days with four instalments and TAE 4,742%. These are live examples, not personal quotes.
Question 4Does MyKredit require a payroll certificate or reject everyone in ASNEF?: Answer
The website says a payroll certificate is not needed and its homepage says it does not query ASNEF. Its FAQ and privacy notice describe individual assessment and possible solvency-file data, so neither statement is an approval guarantee.
Question 5How quickly can MyKredit send funds?: Answer
The website advertises about ten minutes, but final timing depends on approval, verification, bank processing and timing. A displayed decision is not a guarantee that funds have reached the account.
Question 6Can a MyKredit loan be extended or cancelled?: Answer
Provider-supplied information mentions a 14-day withdrawal period and a paid extension option. Check the accepted agreement for the current notice process, price, settlement amount and dates before relying on either option.

Official sources used

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

Continue with the Compare Spain offers → or read the Borrow Radar methodology.

Loan terms and borrower eligibility