Individuals

Back
1 / 6

This number is indicative of the product risk, being 1/6 indicative of lower risk and 6/6 of higher risk.

Unicaja Banco, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions created by Royal Decree-Law 16/2011, of 14 October, covering a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, its equivalent in the relevant currency) per depositor and per credit institution.

Risk score related to the account..

PAYROLL LOAN

The financing you seek due to having domiciled your payroll

Are you a client and do not have access codes?

Up to € 30,000 (1)

Count on us to achieve your projects.

Easy to arrange

Domicile your payroll with us and take advantage of highly attractive financing.

Up to 8 years to return it

Choose between 5 and 8 years term to repay it according to your needs.

 

€ 0 quota the first year

No interest and capital payment during the first year.  

  • A.E.R.
    5,97
    %
    Term 5 years
  • Rest of period
    7,50
    %
    With rebate
  • N.I.R.
    0,00
    %
    First year
Solicitar préstamo nómina

WITH A VERY ATTRACTIVE INTEREST RATE AND OTHER ADDED VALUES

Added advantages

On domiciling your payroll* at Unicaja Banco, you have other associated advantages as well as an account overdraft of at least € 300 without interest or commission (AER 0 %), discount on premium insurance in the first year, and other non financial services such as the SMS alert system. 

Easy and simple

Easily apply for a Payroll Loan.

Subscription process

You may go to any of our Unicaja Banco branches to subscribe the Payroll Loan, where we will be pleased to attend you.

 

If you prefer, you may also apply for the Payroll Loan by filling out the subscription form and stating which branch you wish to process it. We shall shortly contact you.

 

Remember that, in the event of any doubt or query, you may call us on our customer care service: +34 901 24 62 46 or +34 952 07 62 63.

Financial conditions

Payroll Loan

  • Amount: Up to €30,000
  • Term: Minimum of 5 years and maximum of 8 years.
  • Interest Rate: First year 0.00%. Rest of the term: N.I.R.: 7.50%, that may rise to 9.00%, if you cease to have the payroll domiciled, or if it falls below € 1,000 net per month.
  • Repayment: The first year, capital is not repaid and interest is not paid. As of the second year, both the capital repayment as well as interest payment shall be on a monthly basis.
  • Opening Commission: 2.00% Min. € 60 and Study Commission: 0.50%, Min. € 50.

 

Amount

Term

NIR 1st year

NIR rest of period

Monthly quota as of the 2nd period **

A.E.R.

Total amount owed

30,000 €

5 years

0.00%

7.50%(2)

     725.31€

5.97%

    35,564.82€

0.00%

9.00%(3)

     746.48€

7.01%

    36,581.04€

   1,000 €

5 years

0.00%

7.50%(2)

        24.18€

9.31%

       1,270.44€

0.00%

9.00%(3)

       24.88€

10.39%

       1,304.40€

30,000 €

8 years

0.00%

7.50%(2)

     460.15€

6.52%

    39,402.16€

0.00%

9.00%(3)

     482.67€

7.72%

          41,294€

   1,000 €

8 years

0.00%

7.50%(2)

        15.34€

8.84%

       1,398.33€

0.00%

9.00%(3)

        16.09€

10.09%

       1,461.33€

 

(2) Fulfilling requisites
(3) Without fulfilling requisites

 

Offer valid until 31st December 2019.
Granting subject to the Bank’s criteria.

 

Requisites: domiciling payroll, periodic accrual, as of € 1,000 net per month (to benefit from the N.I.R. at 7.50%) and payroll domiciled at least 3 months previously.
The AER indicated are calculated for an agreement subscribed on 10th January 2019, with the relevant amount, term, N.I.R. and commissions stated, considering that no early cancellation takes place, either partial or total, throughout the whole term of the loan. Cancellations or early repayments shall attract a Reimbursement Compensation of 1.00% of the capital repaid in advance, if the period to maturity exceeds one year, or of 0.50% if it is lower than or equal to one year.
(**) Except for the last quota which is, respectively, from top to bottom, of € 725.25, € 746.48, € 23.98, € 2504, € 459.71, € 482.39, € 15.11, and € 15.86. Date of first debit of the monthly quota: 10th February 2020.
You may subscribe the loan in a combined mode linked to a freely chosen insurance product based on your demands and needs, it not being obligatory to subscribe such insurance. You may consult Unicaja Banco, S.A. for any information regarding the difference between the joint and separate offer of the products to which this subscription refers.
Life Insurance Linked to loan taken by Unicorp Vida Compañía de Seguros, through Unimediación, S.L., related Banking Insurance Operator, registered on the Special Administrative Register of Insurance Mediators, Reinsurance Brokers and their top management, of the Directorate General of Insurance and Pension Funds (inscription number OV-0010), acting through the Distribution Network of Unicaja Banco, S.A. Civil Liability Insurance subscribed pursuant to Act 26/2006 of 17th July. It has financial capacity pursuant to the legislation in force. You may consult the insurance companies with which Unimediación S.L. has subscribed an agency agreement at www.unicajabanco.es/seguros.

RELATED PRODUCTS AND SERVICES

ico_sin_comisiones

Digital Banking

Access your Unicaja Banco accounts and products by computer. The perfect tool to manage your day-to-day finances.

ico_banca_movil

Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Consult and perform banking operations wherever you are.

Can we help you?

Leave your number and we will get in touch with you.

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

ATMs and Branches
Fill in the form

YOU MAY ALSO BE INTERESTED IN

Personal Loans

Personal Loans

Choose the personal loan that best suits your project financing needs.

SEE ALL THE PERSONAL LOANS
Mortgages

Mortgages

Choose the mortgage that best suits your needs and possibilities.

SEE ALL THE MORTGAGES
Credit cards

Credit cards

Decide which card best suits your lifestyle.

SEEE CREDIT CARDS

Unicaja Banco S.A., the website owner, uses its own and third-party cookies in order to: measure the volume of visitors its website and interactions with its users, create behavior profiles of these users and personalise information the user sees on the website. The user can accept or reject all cookies by clicking the "Change settings" link.