Doprestamo.es

1. Introduction

Doprestamo.es is a Spain-facing online service that helps users look for loans and credit offers. On the homepage, it markets loans “up to €10,000,” fast online matching, and the idea that some partner lenders may offer a first loan at 0% APR. At the same time, the process section on the site describes a narrower practical offer range of €100 to €5,000, with repayment periods from 61 days to 36 months.

This type of service is usually used by people who need quick access to money for an urgent expense, a short-term cash gap, a travel purchase, household repairs, or another immediate bill. The service is built for online convenience rather than branch-based borrowing. Its main strengths are speed, a simple application flow, and the ability to compare partner offers in one place. Its main weak points are also clear: it is not the lender, it does not control the final price, and the public site contains some inconsistencies around ranges and branding that require caution.

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2. What kind of organization is this

Doprestamo is a loan-comparison / lead-generation / broker-style service, not a bank and not a direct lender. Its own legal and marketing text states that the site is an information portal, not a financial institution, bank, or lender, and that it is not responsible for any loan agreement. It also says that the real terms are determined by the partner.

The site’s legal pages show two important names. The Terms and Conditions snippet identifies SIA DoAff as the operator behind the site. The privacy policy, however, says that personal data is processed by CreditYES, registered in Latvia under number 40103381873, with address Maskavas street 322, Riga, Latvia, LV-1063. That mismatch is material. It does not prove fraud, but it does mean the corporate presentation is not especially clean and should be treated carefully.

The service is aimed at users in Spain. The application section says applicants must reside in Spain and be over 18. The required information includes a mobile number, email address, and a bank account with IBAN in the borrower’s name. The service appears to work online only. I found no public evidence of branch offices, cash desks, or offline application processing.

As for reputation and market positioning, Doprestamo positions itself as a fast, simple loan-finding website with high approval probability language, customer testimonials, and “545+ people trusted us” style claims. Those trust markers appear on the site itself and should be treated as marketing, not independent verification. I did not find a strong, independent public reputation source tied directly to Doprestamo in the reviewed material.

3. How the service works

Doprestamo’s product is structured as a comparison-and-referral flow, not a single in-house loan. The homepage says the user selects an amount and period, fills in a short form, and then reviews an offer from one of the lending or credit companies selected for that profile. That means Doprestamo itself is matching the borrower to a partner offer.

The site markets a broad front-page amount display of €100 to €10,000, but the process section narrows the practical application range to €100 to €5,000 over 61 days to 36 months. The footer/legal text gives yet another version: a repayment period between 61 and 90 days, minimum APR 0%, and maximum APR 36%, with an example of €1,000 over 61 days at €0 cost. Those differences matter. The safest reading is that the actual product range depends on the partner lender and the user profile, and that the live offer matters more than the headline slider.

Applications are described as being reviewed quickly. The FAQ says the initial decision takes only a few minutes. The homepage says the user receives a suitable offer “in a moment,” and that the money can arrive in a few minutes if the answer is positive. Because Doprestamo is not the lender, that speed should be read as a partner-side promotional claim, not a universal guarantee.

The process is fully online. The user fills in the web form, receives offer details by email, and uses a mobile number to complete the application flow. There is no indication that paper forms, branch visits, or in-person signature are the normal path.

4. How to get a loan

Registration

The borrower starts on the website by choosing an amount and repayment period in the calculator and then clicking through to the application form. The site repeats this structure several times in its “How does the process work?” and FAQ sections.

Filling in the application

The form is described as simple and quick. The site says completing it takes only a few minutes. To apply, the user needs a mobile number, email address, and an IBAN account in their own name.

Identity verification

The public site does not describe a long KYC workflow in detail, but it clearly implies identity and profile verification through the form and lender screening. The privacy policy says the operator may collect personal data directly from website forms, from advertisers where the user previously filled in a loan form, from partners, from Instantor account-state data if accepted, and from ASNEF credit records. That shows the process can include both identity and solvency verification.

Income or employment confirmation

The public homepage does not publish one universal income threshold. Because Doprestamo is not the lender, affordability checks appear to happen through partners. The privacy policy says personal data can be obtained from partners, lenders, account-information tools, and ASNEF, which suggests income and solvency confirmation are partner-driven rather than standardized by Doprestamo.

Choosing the amount and term

The user chooses the amount and period first, but the final offer still depends on the partner selected for the borrower’s profile. Publicly, the strongest process description is €100 to €5,000 over 61 days to 36 months, while the headline section markets up to €10,000. In practice, borrowers should assume that the live offer page controls.

Signing the agreement

The site does not describe Doprestamo signing any loan contract itself. Instead, it says the user reviews the offer from the selected lending company. Since the legal pages also say Doprestamo is not responsible for any loan agreement, the contract should be understood as being signed with the partner lender, not with Doprestamo.

Receiving the funds

The site says the money is transferred to the borrower’s bank account in a short time if the answer is positive. It also states that the borrower needs an IBAN account in their own name so lenders can deposit the money. Since Doprestamo is not the lender, actual transfer time depends on the partner lender and the bank used.

How long the process usually takes

A realistic reading is:

• a few minutes to complete the form,

• a few minutes for an initial decision,

• potentially fast payout if a partner approves.
  That is the site’s own operational framing, but no single payout SLA is guaranteed across all partners.

Automatic or manual approval

Doprestamo does not clearly define one approval method because the decision is made by partners. The FAQ states directly that the loan decision is made by each partner. That means some decisions may be automated and some may involve manual review.

Can bad-credit borrowers apply

The site does not make a clean public promise for bad-credit approval. What it does say is that applications can be rejected because of incorrect personal data or failure to meet the partner’s financial model. The privacy policy also confirms partner use of ASNEF-related data. That means weaker-credit users may apply, but approval is not guaranteed.

5. Loan requirements and eligibility

The clearest public requirements are simple:

Requirement

What Doprestamo states

Minimum age

18+

Residency

Must reside in Spain

Mobile number

Required

Email

Required

Bank account

IBAN account required

Account ownership

IBAN must be in the borrower’s name

These points are stated explicitly in the process section and FAQ.

Required documents are not listed in one detailed official checklist on the public pages reviewed. However, because the privacy policy refers to partner data, account-information data, and ASNEF checks, borrowers should expect normal identity and solvency verification at lender level.

Official salaried employment is not clearly stated as mandatory on the public pages reviewed. The site does not publish a universal income floor or a specific self-employed policy. Because the partner lender makes the final decision, self-employed applicants may or may not qualify depending on the selected lender. Conditions may vary and should be checked in the live offer.

6. Loan terms and conditions

This is the section where caution matters most.

Item

Publicly visible information

Service type

Information portal / broker

Headline max amount

Up to €10,000

Process range

€100 to €5,000

Public term range

61 days to 36 months

Footer/legal term range

61 to 90 days

Minimum APR

0%

Maximum APR

36%

Example

€1,000 for 61 days, cost €0, total €1,000

First-loan promo

Some partners may offer 0% APR first loan

The site’s own pages are not fully consistent. The process section says €100 to €5,000 over 61 days to 36 months, while the footer/legal text says 61 to 90 days and gives a 0%-APR example. The homepage slider goes as high as €10,000. Because the site repeatedly says real conditions are determined by the partner, the safest conclusion is that loan amount, term, and cost vary by partner and that borrowers should rely only on the final lender offer.

Interest rates are also partner-driven. The legal/footer text states a minimum APR of 0% and maximum APR of 36%, while the FAQ says that some partners offer 0% APR on the first loan. This suggests promotional first-loan offers may exist, but they are not universal and depend on the partner.

Late-payment penalties, rollover options, and early-repayment rules are not standardized by Doprestamo. Because it is not the lender, those conditions belong to the partner contract. The public pages reviewed do not provide one clean platform-wide penalty tariff or extension rule. Borrowers must read the final lender agreement carefully before signing.

As for hidden fees, Doprestamo says directly that it does not charge for this service. That means the comparison layer is free. It does not mean the lender’s loan is fee-free. The real cost still depends on the selected partner and the contract.

7. Supported payout methods: how users can receive the loan

The most clearly supported receiving method is the borrower’s bank account with IBAN. The site says applicants need an IBAN account in their own name so lenders can deposit the money.

Payout method

Current public evidence

Bank account / IBAN transfer

Yes, clearly supported

Bank card payout

Not clearly confirmed

E-wallets

Not confirmed

Mobile wallets

Not confirmed

Cash pickup

Not confirmed

Local payment systems

Not clearly confirmed

The most common and most realistic payout method is therefore standard bank transfer to the borrower’s own account. Name matching is clearly required, because the FAQ says the IBAN must be in your name. There is no evidence on the reviewed official pages that third-party accounts or third-party cards are allowed.

8. Supported repayment methods: how to repay the loan

This is a practical section, and the answer is straightforward:

You do not repay Doprestamo. You repay the partner lender that offered and granted the loan. Doprestamo’s own legal text says it is not responsible for any loan agreement and that the actual conditions are determined by the partner.

That means there is no universal Doprestamo repayment portal publicly described on the site. Repayment methods will depend on the lender and may include:

Repayment method

Platform-wide assessment

Bank transfer

Likely with many lenders

Card repayment

Possible with some lenders

Personal account on lender site

Likely common

Mobile app

Partner-specific

E-wallet repayment

Not confirmed

ATM / terminal repayment

Partner-specific

Cash desk / branch payment

Partner-specific

Because repayment is lender-controlled, the borrower should expect to need:

• contract number,

• borrower ID or registered details,

• exact repayment amount,

• due date,

• lender bank details or payment link,

• the correct payment reference.

This is practical guidance based on the broker structure and the absence of an in-house repayment system.

Borrowers should fill in repayment details exactly as shown by the lender, keep transfer receipts or screenshots, and avoid paying at the last minute if a bank transfer is used. Reflection time depends on the lender and the payment channel. If payment is delayed, the lender’s own late-payment rules will apply. Doprestamo does not publish one universal late-fee system.

9. Advantages and disadvantages

Advantages

Disadvantages

Fast online comparison flow

Not a direct lender

Free to use

Final terms vary by partner

Simple application requirements

Public ranges are inconsistent

Spain-focused

Repayment rules are not standardized

Bank-account payout is clear

Corporate presentation is not especially clean

Some partners may offer 0% first loan

Late-payment penalties depend on lender

The main operational strengths are speed, accessibility, and simplicity. The main limitations are transparency and the fact that the user still bears the burden of checking the lender contract carefully.

10. Who this service may suit

Doprestamo may suit:

• users needing urgent money until payday,

• users needing a small short-term loan,

• users who want online-only access,

• users willing to compare offers rather than commit to one known lender immediately.

It is a poor fit for:

• borrowers who want one clearly identified direct lender,

• users who want one standardized repayment system,

• anyone who needs clear, fixed published terms before sharing data,

• anyone under heavy debt stress who may accept the first offer without reading the lender’s conditions.

11. Risks and important things to check before applying

The first thing to check is the real total cost on the lender’s own offer page. Doprestamo’s site gives indicative examples and partner-driven ranges, but the real price belongs to the selected lender.

The second thing to check is the late-payment regime. Doprestamo does not publish one house penalty schedule because it is not the lender. Default interest, extra fees, debt collection, and reporting consequences all depend on the partner contract.

The third thing to check is whether the product is suitable only for a short-term emergency. A comparison site can make borrowing feel easy. Easy access is not the same as good product fit. Use this type of service only when repayment is realistically manageable.

The fourth thing to check is the payment details after disbursement. Since repayment goes to the lender and not to Doprestamo, mistakes in references or account details can create avoidable arrears. Keep all receipts and screenshots. This is practical necessity, not decoration.

12. Customer support and communication channels

Publicly visible support is limited but clear enough.

Channel

Public detail

Website

doprestamo.es

Email

info@doprestamo.es

Phone

Not clearly published on reviewed pages

Mobile app

Not confirmed

Online chat

Not confirmed

Working hours

Not clearly published

The customer-support page is essentially a form-based support channel. It asks the user to describe the issue and refers to the email address used in connection with CreditYES services, which again reinforces the messy branding overlap between Doprestamo and CreditYES. That does not make support nonexistent, but it does not suggest a strong, polished servicing setup either.

13. FAQ

What is Doprestamo.es?

Doprestamo.es is a Spain-facing online loan-comparison service that helps users find partner loan offers. It is not a direct lender.

Is it a direct lender or a broker?

It is a broker / information portal, not a bank or direct lender. The site states this directly.

How fast can I get money?

The site says initial decisions take only a few minutes and that money may be sent quickly if a partner approves. Actual timing depends on the lender.

What documents do I need?

The clearest public requirements are a mobile number, email address, and an IBAN account in your own name. Additional checks may be imposed by the lender.

Can I get a loan with bad credit?

You may apply, but approval is not guaranteed. Partner lenders make the final decision, and the privacy policy refers to ASNEF-related data.

What payment systems are supported for receiving money?

The clearly supported route is bank transfer to your own IBAN account. Other payout methods are not clearly confirmed on the reviewed pages.

How can I repay the loan?

You repay the partner lender directly. Doprestamo does not publish one universal repayment system.

What requisites do I need for repayment?

Usually the lender’s contract number, exact amount due, due date, and correct payment details. Keep all receipts. This follows from the broker structure.

Can I repay early?

That depends on the lender. Doprestamo does not publish one platform-wide early repayment rule on the pages reviewed.

What happens if I miss the due date?

The lender’s own late-payment rules apply. Doprestamo does not provide one universal penalty schedule.

Can I extend the loan?

Possibly, but only if the lender offers that option. The reviewed Doprestamo pages do not publish one universal extension policy.

Is the first loan interest-free?

Some partner lenders may offer a first loan at 0% APR, but that is not universal and depends on the selected partner.

Can I receive money on someone else’s card or account?

No public support for that was found. The site specifically says the IBAN must be in your own name.

How do I contact support?

The clearly visible public support contact is info@doprestamo.es, plus the contact/support form on the site.

Is this service safe to use?

It appears to be a real operating comparison site, but its public legal/corporate presentation is not as clean as stronger finance brands. Use it carefully and judge the final lender contract, not the marketing page.

14. Final conclusion

Doprestamo.es is best understood as a free Spanish loan-comparison platform, not as a payday lender in the strict direct-lender sense. Its strongest points are simple online use, clear basic requirements, and fast partner matching. It may be useful for a borrower who wants to compare short-term loan offers quickly without applying separately to many lenders.

Its main limitations are structural and important. It does not issue the loan, it does not set one standard price, and it does not provide one standard repayment route. The public pages also show inconsistencies in product ranges and corporate naming that reduce confidence. For a careful borrower comparing options, it can be a usable entry point. For someone who wants one transparent lender with one published tariff schedule and one clean servicing system, it is the wrong type of service.

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