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 revolving credit line of €1,500, drawn down in full from the outset, with a fixed annual nominal interest rate (TIN) of 21.86% and an Annual Percentage Rate of charge (TAE) of 24.19%, repayable in 48 equal monthly instalments of €47.15, with no further drawdowns or early repayments, the total amount payable will be €2,263.20. Total interest: €763.20. The repayment method is fixed instalment under a revolving payment arrangement. Subject to conditions.

Credit Line granted by ID Finance Plazo S.L.U. and managed through the app.

The PLAZO Card is issued and managed by PECUNIA CARDS EDE, S.L.U. (PECUNPAY), an Electronic Money Institution supervised by the Bank of Spain and registered under number CSB 6707, which acts as issuer and manager of the PLAZO card and payment account. If you experience any issue related to the card's operation, you can contact the payment service provider at: