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AvantCard loans
  • Amount: € 1000 to € 5000
  • Urgency: Immediate once hired
  • Term: 1-36 months
  • Requirements: Hire a credit card
  • Advantages: Free, 1% discount on purchases, flexible payment, without changing banks, PuenteCash service
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Loans and Credits in Avantcard Solocitar Online

Avant Tarjeta EFC, SAU is a financial institution specialized in the management of credit cards and personal loans. It is regulated by the Bank of Spain, which operates under the Avantcard brand that offers its banking products through the telephone and online banking. Avant Tarjeta EFC, SAU It is supported by the investment group Apolo EPF, which is a part of Apollo Global Management. This group is a major alternative asset management company on a global scale. Avantcard certified Family Responsible Company, which is a project of the Másfamilia Foundation and supported by the Ministry of Labor.

Both types have a basic "Cashback" proposition option, when 1% of all purchases go back to your card if you defer payments. It also offers a points program, flexible monthly payment and the possibility of transferring the money to your account through the PuenteCash service.

The PuenteCash® is an option that allows you to transfer € 1,000 to your debit account of a part of the loan limit granted in your card account. This operation is followed by interest of 19.21% NIR / 21% APR. Let's see how a typical loan works. So, you have a 1,000 dollar loan with the PuenteCash® option. During the year, you have to make 12 monthly payments. Therefore, you must make 11 payments for € 92.26 and your last payment will be $ 92.20. As a result, you will have to pay the full amount $ 1,107.06.

Spending money on purchases with that card is very convenient. Each time the deferred payment is selected, the money for the purchase will be returned in a future period.

The current rate is equivalent in the case of delay: 21% (19.21% VAT). The example above of a $ 1,000 purchase paid in full in twelve monthly payments. Note that in this case anticipated by the emergence of new provisions of this loan product, as well as problems with payment during the repayment period.

You determine the amount of your monthly payment. The amount may vary from a minimum payment of the entire amount of the outstanding balance. In the case of arrears by the end of the billing period, you will have to make a monthly payment that exceeds the minimum. The example above shows the amount is 2.25% of the outstanding balance, or one percent of the principal amount plus interest on the debt or five dollars.

The loan amount depends on a quick personal capabilities of each client, as well as on the selected date. As a result, you will be assigned an individual maturity.

Avantcard Contacts for Quick Loans and Microcredits:

  • Helpdesk: (+34) 901 810 811
  • Website:
  • Hours: Monday to Friday from 8:00 a.m. to 9:00 p.m. and Saturdays from 9:00 a.m. to 3:00 p.m.
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