The geography of our offers expands with each season. This time, our keen eye has fallen on one of the key and steadily growing geos: hot and sunny Spain. We take a look at the specifics of the location, the local inhabitants and their attitude to finance, and share the coolest offers that are definitely worth trying.
General Information
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Population: 48,350,000 (as of 2023)
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Major cities: Madrid, Barcelona, Valencia, Seville
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Main language: Spanish (96%), Catalan (14%), Valencian (6%)
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Religion: Catholicism
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Currency: Euro (€)
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Internet and payments: Internet is widely available, including mobile. Credit cards and credit lines are common for payments.
The main banking products in Spain are consumer loans, credit cards, and credit lines (suitable for one-time large purchases). Online loans are also popular, including urgent loans from MFOs in the format of secured loans (most often for cars).
Traffic Sources
About traffic sources
Referral traffic is the most developed here. There is also API traffic, but mainly from large MFOs (by the way, many brands are familiar to Russian users, such as MoneyMan, Vivus, as well as Creditosi, QueBueno, Avinto, Movinero, and Luzo). API traffic has a distinctive feature: it is actively developing in the country if large brokers are promoting it, as is the case, for example, with the Finnish Draivi Medi OY.
Traffic is mainly organic, using Google, as well as email and SMS mailings. Facebook is relatively popular, but there are no large volumes, although there is quite a lot of brokerage traffic.
As for prices, in Spain, an EPC of €0.5 and above is considered good. Due to fierce competition, basic advertising trends can be observed: brokers mainly buy advertising on Google, so brand policy is quite strict.
Top financial offers from Leadgid
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Creditomax ES (ID: 6513) - offers short-term loans ranging from €100 to €5,000 for up to 48 months with favorable terms for customers.
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Solcredito ES CPL+CPS (ID: 4327) - a combined lead and sale payment model that ensures effective traffic monetization.
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Fiestacredito ES CPL (ID: 4838) - an offer with payment for attracted applications, popular among marketers due to the simplicity of calculations.
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Cashmen ES CPL (ID: 6727) - a service focused on the fastest possible processing of customer applications.
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Crezu ES CPL (ID: 4678) - a platform with a user-friendly interface and an optimized application process.
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Credy ES (ID: 1484) - offers flexible lending terms for various categories of borrowers.
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Prestamon ES CPL+CPS (ID: 6508) - another combined offer that provides a stable income from customer acquisition.
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Luzo ES CPS (ID: 6443) - a service that focuses on the quality of acquired customers with payment for successful sales.
Leadgid offers a wide range of offers for Spain, so you can try driving traffic not only to current offers, but also test other available offers. This expands your earning opportunities and allows you to choose the most effective options for your audience.
Digitalization in Spain's banking and credit sector
In recent years, Spain's banking and credit sector has achieved significant success. Online banking and demand for it began to grow in 2020 amid the pandemic, grew by a record 40% by 2022, and continues to develop. Compared to other European countries, Spain occupies a strong leading position.
Main areas of development:
traditional banking — investment in technology, for example, banks such as BBVA and Santander are leading the way in adopting AI for data analysis, customer service (chatbots), and fraud detection
Blockchain: Santander is promoting fast international transfers using this technology.
Mobile banking: BBVA Valora and Santander One Pay apps offer advanced features (mobile payments, investment management).
Customer experience: Bizum mobile payment system is the leader (used by 74% of Spaniards in 2023).
Open banking: implementation of PSD2 (EU Payment Services Directive), allowing third-party integration (fintechs) via API.
In other areas, such as lending, digital loans are actively developing. This is evident in the example of accelerated processes thanks to algorithms and big data for risk assessment and loan approval (e.g., at Creditas). Alternative platforms are also gaining ground: crowdlending (Comunitae) and neobanks (Rebellion Pay) offer P2P loans without traditional intermediaries.
There is a noticeable trend toward “green loans” to finance environmentally friendly projects.
The issue of security has also received close attention. Banco de España and CNMV monitor cybersecurity and compliance with regulations such as GDPR. Data is more actively protected using biometrics, 2FA, etc.
Opportunities and challenges
Thanks to digitalization, there is a trend toward reaching rural populations or simply populations that do not have access to banking services. At the same time, process automation is reducing the number of physical bank branches.
Spaniards aged 65+ still prefer traditional banking, but they only make up about 22% of the population. Therefore, digitalization, from the strengthening of Apple Pay and Google Pay to the transition to “neobanking,” which is 100% free of physical presence (N26 or Openbank), continues relentlessly.
What Do Spaniards Prefer?
Spaniards are relaxed and enjoy a comfortable life. While they don’t chase new tech, they appreciate ease of use. The population now includes many expats and digital nomads, especially in big cities, which changes financial habits.
Types of borrowers:
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Low-income individuals – Use loans for emergencies like medical expenses.
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Immigrants/expats – Often need small loans for settling in (e.g., furniture).
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Freelancers/self-employed – Harder to get traditional credit; prefer microloans.
Big cities like Madrid, Barcelona, Valencia are more digital. In rural areas, older people and small businesses still prefer traditional banking.
Younger people (under 45) prefer fast online loans, even with higher interest. Older people prefer better rates and face-to-face service.
Typical Borrower Profile
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Loan amount: €50–€1,000 (higher for returning users)
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Loan term: a few days to months (up to 1 year)
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Interest rate: 20–30% annually
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Requirements: ID (DNI/NIE), proof of income (bank statement or pay slip), IBAN
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Approval: within hours (often faster)
Average borrower:
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Under 45 years old
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Possibly an expat or immigrant
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Lives in a major city
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Needs money for moving or emergency spending
Conclusion
Spain is moving toward a more flexible and inclusive financial system. Traditional banks and fintech are working together under strong legal rules.
Online lending services like Creditomax ES are playing a big role in this shift, offering fast and flexible financial help to all kinds of users—from locals to immigrants. These services are evolving to meet customer needs while improving risk assessment and cybersecurity.
