Plazo: Card and loans

PLAZO is the Spanish financial app that gives you access to flexible credit, fast loans and a credit line of up to €5,000, all from your phone. Plus, with the new Turrón feature, you can pay in installments with zero interest. Everything in one single app.

WHAT'S INCLUDED WITH THE PLAZO CARD?

→ GET STARTED IN UNDER 10 MINUTES, 100% ONLINE

With Plazo you can sign up, apply for an online loan or request credit in just 10 minutes, using only your phone. The app is designed so you can access fast online loans and credit without any hassle.

Plazo is built to make managing your personal finances simple: online loans, fast credit and a flexible credit line, all from your phone and without complications.

¡Getting your digital credit card is fast!, paperless and done from your phone in 3 steps:
Step 1 - Sign up with your phone number and enter your personal details.
Step 2 - Create your account with biometric verification and link your bank account.
Step 3 - Get approved and start using your virtual card instantly.

→ FREE VIRTUAL AND PHYSICAL CARD
From the moment of approval you can use your virtual card. If you need the physical one, request it in the app — also free.

→ MASTERCARD
Pay at millions of online and physical stores worldwide with complete security.

→ NO PAPERWORK, NO GUARANTOR
Apply for your personal credit online with no unnecessary documentation or guarantees. Just your phone.

→ CASHBACK
3% cashback at supermarkets and up to 10% at over 170 well-known brands.

→ MEETING PROS
Access to professionals including doctors, lawyers, vets and more, whenever you need them.

→ MANAGE YOUR FINANCES
Track all your expenses, transactions and credit line from the app, with full control.

→ TURRÓN · Buy now, pay later with zero interest
Plazo goes even further with Turrón — split your purchases into installments with no interest and no fees. It's that simple:
- Split into up to 12 months
- 0% interest, 0 fees

Join the thousands of users already managing their finances with Plazo and download the app today.

* Subject to credit approval.

Representative example: for a credit line of €2,000 reaching the maximum in the first drawdown; nominal interest rate 21.93% and APR 24.27% per annum, fixed rate, deferred payment in revolving mode through flexible periodic instalments, payable in 48 equal monthly instalments of €63.02. Total amount owed €3,024.96. Late payment fee €30. Free transfer of the credit amount to the Plazo Card. Subject to conditions.
Credit line granted through Plazo Credit S.L.U. Service offered in the ID Finance Plazo S.L. app. PLAZO Card issued and managed by PECUNIA CARDS EDE, S.L.U., (PECUNPAY) Electronic Money Institution supervised by the Bank of Spain and registered under number CSB 6707, is the issuer and manager of the PLAZO payment card and account. If you have any problem related to the functioning of the card, you can contact the payment service provider at the following email address: servicioatencioncliente@pecuniacards.es