{"id":3097,"date":"2020-07-29T07:08:46","date_gmt":"2020-07-29T07:08:46","guid":{"rendered":"https:\/\/startersites.io\/blocksy\/blog\/?page_id=3097"},"modified":"2026-08-31T13:16:24","modified_gmt":"2026-08-31T11:16:24","slug":"sobre-nosotros","status":"publish","type":"page","link":"https:\/\/afficardhub.com\/es\/sobre-nosotros\/","title":{"rendered":"Sobre Nosotros"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3097\" class=\"elementor elementor-3097\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca47b4 e-flex e-con-boxed e-con e-parent\" data-id=\"3ca47b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2b47f1e e-con e-atomic-element e-flexbox-base e-2b47f1e-4d7eef4 \" data-id=\"2b47f1e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2b47f1e\" data-e-type=\"e-flexbox\" data-id=\"2b47f1e\">\n    \t\t<div class=\"elementor-element elementor-element-1edd916 elementor-widget elementor-widget-breadcrumbs\" data-id=\"1edd916\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/afficardhub.com\/es\/\">Inicio<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-978c9d7 e-flex e-con-boxed e-con e-parent\" data-id=\"978c9d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-49e18bd e-con e-atomic-element e-flexbox-base e-49e18bd-69b18ce \" data-id=\"49e18bd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"49e18bd\" data-e-type=\"e-flexbox\" data-id=\"49e18bd\">\n    \t\t<div class=\"elementor-element elementor-element-0279d26 elementor-widget elementor-widget-heading\" data-id=\"0279d26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Sobre AfficardHub Espa\u00f1a<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f58478 elementor-widget elementor-widget-text-editor\" data-id=\"5f58478\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AfficardHub es un comparador de financiaci\u00f3n al consumo para Espa\u00f1a. Reunimos las condiciones de pr\u00e9stamos personales, pr\u00e9stamos r\u00e1pidos, microcr\u00e9ditos y opciones para perfiles con ASNEF o sin n\u00f3mina, y explicamos qu\u00e9 significa cada cifra antes de que decidas nada.<\/p><p><strong>AfficardHub no concede pr\u00e9stamos ni tramita solicitudes.<\/strong> Nuestro trabajo termina donde empieza el tuyo con la entidad.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36ee671 elementor-widget elementor-widget-text-editor\" data-id=\"36ee671\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>\u00daltima actualizaci\u00f3n: 20 de agosto de 2026 \u00b7 Revisado por el equipo editorial de AfficardHub Espa\u00f1a<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fea74c6 e-flex e-con-boxed e-con e-parent\" data-id=\"fea74c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-635fa0e e-con e-atomic-element e-flexbox-base e-635fa0e-30681ae \" data-id=\"635fa0e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"635fa0e\" data-e-type=\"e-flexbox\" data-id=\"635fa0e\">\n    \t\t<div class=\"elementor-element elementor-element-79e73d1 elementor-widget elementor-widget-heading\" data-id=\"79e73d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u00e9 hace AfficardHub y qu\u00e9 no hace<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c17660a elementor-widget elementor-widget-text-editor\" data-id=\"c17660a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Para que no haya ninguna duda sobre qu\u00e9 encontrar\u00e1s aqu\u00ed:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b42e73 e-con e-atomic-element e-flexbox-base e-5b42e73-e53647b \" data-id=\"5b42e73\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5b42e73\" data-e-type=\"e-flexbox\" data-id=\"5b42e73\">\n    <div class=\"elementor-element elementor-element-8cee23b e-con e-atomic-element e-div-block-base e-8cee23b-40c54a3 \" data-id=\"8cee23b\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"8cee23b\" data-e-type=\"e-div-block\" data-id=\"8cee23b\">\n    <div class=\"elementor-element elementor-element-01b98d5 e-con e-atomic-element e-div-block-base e-01b98d5-8d2d3b0 \" data-id=\"01b98d5\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"01b98d5\" data-e-type=\"e-div-block\" data-id=\"01b98d5\">\n    \t\t<div class=\"elementor-element elementor-element-c5c496b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c5c496b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26d58f9 elementor-widget elementor-widget-heading\" data-id=\"26d58f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Lo que s\u00ed hacemos<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<div class=\"elementor-element elementor-element-9aabe06 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9aabe06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Reunimos y comparamos condiciones de entidades que operan en Espa\u00f1a.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Explicamos la TAE, los plazos, las comisiones y los requisitos en lenguaje claro.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Se\u00f1alamos los riesgos de cada producto, incluidos los que nos generan ingresos.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Publicamos gu\u00edas sobre derechos del consumidor y normativa aplicable en Espa\u00f1a.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-c8f6f45 e-con e-atomic-element e-div-block-base e-c8f6f45-b7d10a1 \" data-id=\"c8f6f45\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"c8f6f45\" data-e-type=\"e-div-block\" data-id=\"c8f6f45\">\n    <div class=\"elementor-element elementor-element-21cde60 e-con e-atomic-element e-div-block-base e-21cde60-e61cc27 \" data-id=\"21cde60\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"21cde60\" data-e-type=\"e-div-block\" data-id=\"21cde60\">\n    \t\t<div class=\"elementor-element elementor-element-f30be0f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f30be0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e831faa elementor-widget elementor-widget-heading\" data-id=\"e831faa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Lo que no hacemos<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<div class=\"elementor-element elementor-element-75c60b8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"75c60b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No prestamos dinero. AfficardHub no es una entidad financiera.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No tramitamos ni aprobamos solicitudes. La decisi\u00f3n es siempre de la entidad.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No intervenimos en tu contrato ni podemos modificar sus condiciones.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No pedimos pagos por adelantado. Ninguna entidad leg\u00edtima lo hace.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-285fe6b e-flex e-con-boxed e-con e-parent\" data-id=\"285fe6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ea45a6d e-con e-atomic-element e-div-block-base e-ea45a6d-935e4e0 \" data-id=\"ea45a6d\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"ea45a6d\" data-e-type=\"e-div-block\" data-id=\"ea45a6d\">\n    \t\t<div class=\"elementor-element elementor-element-fd2b924 elementor-widget elementor-widget-heading\" data-id=\"fd2b924\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">\u26a0 Aviso importante<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5b9b21 elementor-widget elementor-widget-text-editor\" data-id=\"e5b9b21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si una web te pide dinero por adelantado para gestionar o \u00abasegurar\u00bb un pr\u00e9stamo, es fraude. Ninguna entidad autorizada en Espa\u00f1a cobra por conceder financiaci\u00f3n antes de firmar el contrato.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c7e7e2 e-flex e-con-boxed e-con e-parent\" data-id=\"4c7e7e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-36e6e75 e-con e-atomic-element e-flexbox-base e-36e6e75-97bc26f \" data-id=\"36e6e75\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"36e6e75\" data-e-type=\"e-flexbox\" data-id=\"36e6e75\">\n    \t\t<div class=\"elementor-element elementor-element-d6065f1 elementor-widget elementor-widget-heading\" data-id=\"d6065f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo seleccionamos y comparamos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd20e82 elementor-widget elementor-widget-text-editor\" data-id=\"fd20e82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cuando analizamos un producto de financiaci\u00f3n revisamos siempre los mismos seis puntos, en el mismo orden.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89d39a7 e-con e-atomic-element e-div-block-base e-89d39a7-5e48eb7 \" data-id=\"89d39a7\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"89d39a7\" data-e-type=\"e-div-block\" data-id=\"89d39a7\">\n    \t\t<div class=\"elementor-element elementor-element-cc16e36 elementor-widget elementor-widget-n-accordion\" data-id=\"cc16e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;default_state&quot;:&quot;expanded&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2140\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2140\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 1. Coste total, no inter\u00e9s anunciado <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2140\" class=\"elementor-element elementor-element-6993818 e-con-full e-flex e-con e-child\" data-id=\"6993818\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16f3f10 elementor-widget elementor-widget-text-editor\" data-id=\"16f3f10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Comprobamos la TAE por encima del TIN, y sumamos comisiones de apertura, de estudio y de demora. Lo que importa es cu\u00e1nto se devuelve, no cu\u00e1nto se pide. Un producto no es barato porque el inter\u00e9s inicial sea del 0%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2141\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2141\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 2. Condiciones del primer pr\u00e9stamo <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2141\" class=\"elementor-element elementor-element-72d5361 e-con-full e-flex e-con e-child\" data-id=\"72d5361\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6d8274 elementor-widget elementor-widget-text-editor\" data-id=\"b6d8274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"acc-item\">\n<div class=\"acc-p open\">\n<p class=\"t\" data-es=\"Si una oferta es al 0%, comprobamos qu\u00e9 TAE se aplica a partir del segundo pr\u00e9stamo y qu\u00e9 cuesta una pr\u00f3rroga. La promoci\u00f3n de primer pr\u00e9stamo gratuito es real, pero solo en ese primer ciclo y solo si se devuelve en plazo.\" data-en=\"If an offer is at 0%, we check what APR applies from the second loan and what an extension costs. The free first-loan promotion is real, but only in that first cycle and only if repaid on time.\">Si una oferta es al 0%, comprobamos qu\u00e9 TAE se aplica a partir del segundo pr\u00e9stamo y qu\u00e9 cuesta una pr\u00f3rroga. La promoci\u00f3n de primer pr\u00e9stamo gratuito es real, pero solo en ese primer ciclo y solo si se devuelve en plazo.<\/p>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2142\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2142\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 3. Requisitos reales de acceso <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2142\" class=\"elementor-element elementor-element-cf04cc9 e-con-full e-flex e-con e-child\" data-id=\"cf04cc9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1c1a18 elementor-widget elementor-widget-text-editor\" data-id=\"f1c1a18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"acc-item\">\n<div class=\"acc-p open\">\n<p class=\"t\" data-es=\"Edad m\u00ednima, residencia en Espa\u00f1a, DNI o NIE, cuenta bancaria espa\u00f1ola, documentaci\u00f3n exigida y si la entidad estudia perfiles con incidencias en ASNEF o sin n\u00f3mina.\" data-en=\"Minimum age, Spanish residency, DNI or NIE, Spanish bank account, documents required, and whether the lender considers profiles with ASNEF records or no payslip.\">Edad m\u00ednima, residencia en Espa\u00f1a, DNI o NIE, cuenta bancaria espa\u00f1ola, documentaci\u00f3n exigida y si la entidad estudia perfiles con incidencias en ASNEF o sin n\u00f3mina.<\/p>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2143\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2143\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 4. Plazos de respuesta y devoluci\u00f3n <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2143\" class=\"elementor-element elementor-element-3d55d1d e-con-full e-flex e-con e-child\" data-id=\"3d55d1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cc919e elementor-widget elementor-widget-text-editor\" data-id=\"1cc919e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"acc-item\">\n<div class=\"acc-p open\">\n<p class=\"t\" data-es=\"Tiempo de respuesta a la solicitud, tiempo hasta el ingreso efectivo y plazo de devoluci\u00f3n m\u00ednimo y m\u00e1ximo. Distinguimos entre el escenario que anuncia la entidad y el que se produce habitualmente.\" data-en=\"Time to a decision, time to actual transfer, and minimum and maximum repayment periods. We distinguish between the scenario the lender advertises and what usually happens.\">Tiempo de respuesta a la solicitud, tiempo hasta el ingreso efectivo y plazo de devoluci\u00f3n m\u00ednimo y m\u00e1ximo. Distinguimos entre el escenario que anuncia la entidad y el que se produce habitualmente.<\/p>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2144\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2144\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 5. Transparencia de la entidad <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2144\" class=\"elementor-element elementor-element-b7857d3 e-con-full e-flex e-con e-child\" data-id=\"b7857d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9801118 elementor-widget elementor-widget-text-editor\" data-id=\"9801118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"acc-item\">\n<div class=\"acc-p open\">\n<p class=\"t\" data-es=\"Si publica un ejemplo representativo, si las condiciones est\u00e1n accesibles antes de facilitar datos personales y si identifica con claridad qui\u00e9n concede el cr\u00e9dito.\" data-en=\"Whether it publishes a representative example, whether terms are accessible before you hand over personal data, and whether it clearly identifies who grants the credit.\">Si publica un ejemplo representativo, si las condiciones est\u00e1n accesibles antes de facilitar datos personales y si identifica con claridad qui\u00e9n concede el cr\u00e9dito.<\/p>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2145\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2145\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 6. Sitauci\u00f3n registral <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2145\" class=\"elementor-element elementor-element-3f1fed9 e-con-full e-flex e-con e-child\" data-id=\"3f1fed9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57f27e6 elementor-widget elementor-widget-text-editor\" data-id=\"57f27e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"accMethod\" class=\"acc\">\n<div class=\"acc-item\">\n<div class=\"acc-p open\">\n<p class=\"t\" data-es=\"Qu\u00e9 informaci\u00f3n p\u00fablica existe sobre la entidad y si figura en los registros oficiales correspondientes. El Banco de Espa\u00f1a publica los registros de entidades autorizadas y son consultables por cualquiera.\" data-en=\"What public information exists about the lender and whether it appears in the relevant official registers. The Bank of Spain publishes registers of authorised entities and anyone can consult them.\">Qu\u00e9 informaci\u00f3n p\u00fablica existe sobre la entidad y si figura en los registros oficiales correspondientes. El Banco de Espa\u00f1a publica los registros de entidades autorizadas y son consultables por cualquiera.<\/p>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<div class=\"elementor-element elementor-element-e0c0160 elementor-widget elementor-widget-text-editor\" data-id=\"e0c0160\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El proceso completo, con las fuentes que consultamos y la frecuencia de revisi\u00f3n de cada ficha, est\u00e1 en nuestra\u00a0<a href=\"https:\/\/afficardhub.com\/es\/metodologia\/\">metodolog\u00eda editorial<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a2ab35 e-flex e-con-boxed e-con e-parent\" data-id=\"0a2ab35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a7608a6 e-con e-atomic-element e-flexbox-base e-a7608a6-bd72a4b \" data-id=\"a7608a6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a7608a6\" data-e-type=\"e-flexbox\" data-id=\"a7608a6\">\n    \t\t<div class=\"elementor-element elementor-element-1ff6ced elementor-widget elementor-widget-heading\" data-id=\"1ff6ced\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qui\u00e9n escribe y qui\u00e9n revisa\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8805952 elementor-widget elementor-widget-text-editor\" data-id=\"8805952\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"sub t\" data-es=\"Todo el contenido publicado en la secci\u00f3n espa\u00f1ola pasa por dos fases antes de salir.\" data-en=\"All content published in the Spanish section goes through two stages before release.\">Todo el contenido publicado en la secci\u00f3n espa\u00f1ola pasa por dos fases antes de salir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd8e233 e-con e-atomic-element e-div-block-base e-dd8e233-4703e3c \" data-id=\"dd8e233\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"dd8e233\" data-e-type=\"e-div-block\" data-id=\"dd8e233\">\n    \t\t<div class=\"elementor-element elementor-element-615d0d7 elementor-widget elementor-widget-template\" data-id=\"615d0d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"6183\" class=\"elementor elementor-6183\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<section class=\"elementor-element elementor-element-17333123 e-flex e-con-boxed e-con e-parent\" data-id=\"17333123\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-58d5ea3c e-con-full e-flex e-con e-child\" data-id=\"58d5ea3c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-13367745 e-con e-atomic-element e-flexbox-base e-13367745-6fac5b7 \" data-id=\"13367745\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"13367745\" data-e-type=\"e-flexbox\" data-id=\"13367745\">\n    \t\t<div class=\"elementor-element elementor-element-366e76be elementor-widget elementor-widget-author-box\" data-id=\"366e76be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43818d70 e-con e-atomic-element e-div-block-base e-43818d70-12d50fd \" data-id=\"43818d70\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"43818d70\" data-e-type=\"e-div-block\" data-id=\"43818d70\">\n    \t\t<div class=\"elementor-element elementor-element-5b6b47be elementor-widget elementor-widget-text-editor\" data-id=\"5b6b47be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Escrito por<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c704570 elementor-widget elementor-widget-text-editor\" data-id=\"c704570\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/afficardhub.com\/es\/politica-editorial\/\">Verificado seg\u00fan pol\u00edtica editorial <\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2aca4c93 e-con e-atomic-element e-div-block-base e-2aca4c93-70279ba \" data-id=\"2aca4c93\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"2aca4c93\" data-e-type=\"e-div-block\" data-id=\"2aca4c93\">\n    \t\t<div class=\"elementor-element elementor-element-3f062bda elementor-widget elementor-widget-text-editor\" data-id=\"3f062bda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Actualizado:<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-3ce9f9b2 e-con e-atomic-element e-flexbox-base e-3ce9f9b2-608e7dd \" data-id=\"3ce9f9b2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3ce9f9b2\" data-e-type=\"e-flexbox\" data-id=\"3ce9f9b2\">\n    \t\t<div class=\"elementor-element elementor-element-4aa48019 elementor-widget elementor-widget-author-box\" data-id=\"4aa48019\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f4be862 e-con e-atomic-element e-div-block-base e-4f4be862-5bb0da4 \" data-id=\"4f4be862\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"4f4be862\" data-e-type=\"e-div-block\" data-id=\"4f4be862\">\n    \t\t<div class=\"elementor-element elementor-element-ac031f7 elementor-widget elementor-widget-text-editor\" data-id=\"ac031f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Revisado por<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-910dbd9 elementor-widget elementor-widget-text-editor\" data-id=\"910dbd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/afficardhub.com\/es\/politica-editorial\/\">Verificado seg\u00fan pol\u00edtica editorial <\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28e5f12d e-con e-atomic-element e-div-block-base e-28e5f12d-7b019e4 \" data-id=\"28e5f12d\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"28e5f12d\" data-e-type=\"e-div-block\" data-id=\"28e5f12d\">\n    \t\t<div class=\"elementor-element elementor-element-5807e1bd elementor-widget elementor-widget-text-editor\" data-id=\"5807e1bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Ultima Revision:<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac12e1c e-flex e-con-boxed e-con e-parent\" data-id=\"ac12e1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-039f3ec e-con e-atomic-element e-flexbox-base e-039f3ec-0a9bf10 \" data-id=\"039f3ec\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"039f3ec\" data-e-type=\"e-flexbox\" data-id=\"039f3ec\">\n    \t\t<div class=\"elementor-element elementor-element-798ffe0 elementor-widget elementor-widget-heading\" data-id=\"798ffe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo ganamos dinero<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-859fecf e-con e-atomic-element e-div-block-base e-859fecf-a77459e \" data-id=\"859fecf\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"859fecf\" data-e-type=\"e-div-block\" data-id=\"859fecf\">\n    <div class=\"elementor-element elementor-element-2d4cac8 e-con-full e-flex e-con e-parent\" data-id=\"2d4cac8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ae5e8a elementor-widget elementor-widget-text-editor\" data-id=\"7ae5e8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>AfficardHub es gratuito para quien lo usa.<\/strong> No cobramos por comparar, no vendemos suscripciones y no cobramos comisi\u00f3n al usuario.<\/p><p>Nos financiamos mediante acuerdos de afiliaci\u00f3n: cuando alguien accede a una entidad desde nuestra web y contrata un producto, esa entidad puede pagarnos una comisi\u00f3n. Esa comisi\u00f3n no encarece el pr\u00e9stamo. Las condiciones que te ofrece la entidad son las mismas que obtendr\u00edas acudiendo directamente.<\/p><p>Este modelo crea un conflicto de inter\u00e9s evidente y preferimos nombrarlo antes que disimularlo. Lo gestionamos as\u00ed:<\/p><ul><li>Publicamos informaci\u00f3n de productos aunque no tengamos acuerdo comercial con la entidad.<\/li><li>Se\u00f1alamos los riesgos y las desventajas tambi\u00e9n de los productos que nos generan ingresos.<\/li><li>Una entidad no puede pagar para que modifiquemos nuestro an\u00e1lisis ni para que omitamos un inconveniente.<\/li><\/ul><p>Las condiciones completas est\u00e1n en nuestra <a href=\"https:\/\/afficardhub.com\/es\/politica-de-afiliados\/\">pol\u00edtica de afiliados.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd3f064 e-con-full e-flex e-con e-parent\" data-id=\"dd3f064\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da6591c elementor-widget elementor-widget-image\" data-id=\"da6591c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"545\" height=\"536\" src=\"https:\/\/i0.wp.com\/afficardhub.com\/es\/wp-content\/uploads\/2026\/04\/Call_to_Action.webp?fit=545%2C536&amp;ssl=1\" class=\"attachment-large size-large wp-image-5049\" alt=\"Ilustraci\u00f3n de personas d\u00e1ndose la mano con burbujas de chat, representando testimonios y rese\u00f1as de clientes.\" srcset=\"https:\/\/i0.wp.com\/afficardhub.com\/es\/wp-content\/uploads\/2026\/04\/Call_to_Action.webp?w=545&amp;ssl=1 545w, https:\/\/i0.wp.com\/afficardhub.com\/es\/wp-content\/uploads\/2026\/04\/Call_to_Action.webp?resize=300%2C295&amp;ssl=1 300w\" sizes=\"auto, (max-width: 545px) 100vw, 545px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75e60c3 e-flex e-con-boxed e-con e-parent\" data-id=\"75e60c3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4e62321 e-con-full e-flex e-con e-child\" data-id=\"4e62321\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa73b6a elementor-widget elementor-widget-heading\" data-id=\"fa73b6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo Seleccionamos los Mejores Pr\u00e9stamos en Espa\u00f1a<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74ffa1b elementor-widget elementor-widget-heading\" data-id=\"74ffa1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">En AfficardHub, nuestro equipo analiza mensualmente los prestamistas activos en Espa\u00f1a - pr\u00e9stamos personales, r\u00e1pidos y sin n\u00f3mina. Solo incluimos entidades con informaci\u00f3n verificada y condiciones transparentes. Nuestras clasificaciones no son de pago.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08021ec e-con-full e-flex e-con e-child\" data-id=\"08021ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6a4d53d e-con-full e-flex e-con e-child\" data-id=\"6a4d53d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-08ed8ed e-con-full e-flex e-con e-child\" data-id=\"08ed8ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a508d1e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a508d1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-monero\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M352 384h108.4C417 455.9 338.1 504 248 504S79 455.9 35.6 384H144V256.2L248 361l104-105v128zM88 336V128l159.4 159.4L408 128v208h74.8c8.5-25.1 13.2-52 13.2-80C496 119 385 8 248 8S0 119 0 256c0 28 4.6 54.9 13.2 80H88z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e77f77f elementor-widget elementor-widget-heading\" data-id=\"e77f77f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">180+<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4fa5d elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"7f4fa5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Prestamistas analizados<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b03e42 elementor-widget elementor-widget-heading\" data-id=\"9b03e42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"> Revisamos m\u00e1s de 180 socios prestamistas, incluidos bancos importantes, las principales cooperativas de cr\u00e9dito, plataformas digitales l\u00edderes y prestamistas especializados que operan en toda Europa. Nuestra extensa red garantiza que tengas acceso a las opciones de pr\u00e9stamos m\u00e1s diversas y competitivas.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0740518 e-con-full e-flex e-con e-child\" data-id=\"0740518\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-69cb6f4 e-con-full e-flex e-con e-child\" data-id=\"69cb6f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a826f04 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a826f04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-clipboard-list\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336 64h-80c0-35.3-28.7-64-64-64s-64 28.7-64 64H48C21.5 64 0 85.5 0 112v352c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V112c0-26.5-21.5-48-48-48zM96 424c-13.3 0-24-10.7-24-24s10.7-24 24-24 24 10.7 24 24-10.7 24-24 24zm0-96c-13.3 0-24-10.7-24-24s10.7-24 24-24 24 10.7 24 24-10.7 24-24 24zm0-96c-13.3 0-24-10.7-24-24s10.7-24 24-24 24 10.7 24 24-10.7 24-24 24zm96-192c13.3 0 24 10.7 24 24s-10.7 24-24 24-24-10.7-24-24 10.7-24 24-24zm128 368c0 4.4-3.6 8-8 8H168c-4.4 0-8-3.6-8-8v-16c0-4.4 3.6-8 8-8h144c4.4 0 8 3.6 8 8v16zm0-96c0 4.4-3.6 8-8 8H168c-4.4 0-8-3.6-8-8v-16c0-4.4 3.6-8 8-8h144c4.4 0 8 3.6 8 8v16zm0-96c0 4.4-3.6 8-8 8H168c-4.4 0-8-3.6-8-8v-16c0-4.4 3.6-8 8-8h144c4.4 0 8 3.6 8 8v16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc60e15 elementor-widget elementor-widget-heading\" data-id=\"dc60e15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">200+<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f4c9d2 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"0f4c9d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Productos evaluados<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d1bb5d elementor-widget elementor-widget-heading\" data-id=\"5d1bb5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"> Evaluamos m\u00e1s de 200 programas de afiliados, ofreciendo una amplia selecci\u00f3n de productos de pr\u00e9stamos con condiciones transparentes y tasas de inter\u00e9s competitivas. Cada programa es cuidadosamente revisado para garantizar su fiabilidad y confianza.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f66eb90 e-con-full e-flex e-con e-child\" data-id=\"f66eb90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c0a5276 e-con-full e-flex e-con e-child\" data-id=\"c0a5276\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49083c3 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"49083c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-code-branch\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M384 144c0-44.2-35.8-80-80-80s-80 35.8-80 80c0 36.4 24.3 67.1 57.5 76.8-.6 16.1-4.2 28.5-11 36.9-15.4 19.2-49.3 22.4-85.2 25.7-28.2 2.6-57.4 5.4-81.3 16.9v-144c32.5-10.2 56-40.5 56-76.3 0-44.2-35.8-80-80-80S0 35.8 0 80c0 35.8 23.5 66.1 56 76.3v199.3C23.5 365.9 0 396.2 0 432c0 44.2 35.8 80 80 80s80-35.8 80-80c0-34-21.2-63.1-51.2-74.6 3.1-5.2 7.8-9.8 14.9-13.4 16.2-8.2 40.4-10.4 66.1-12.8 42.2-3.9 90-8.4 118.2-43.4 14-17.4 21.1-39.8 21.6-67.9 31.6-10.8 54.4-40.7 54.4-75.9zM80 64c8.8 0 16 7.2 16 16s-7.2 16-16 16-16-7.2-16-16 7.2-16 16-16zm0 384c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16zm224-320c8.8 0 16 7.2 16 16s-7.2 16-16 16-16-7.2-16-16 7.2-16 16-16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41baa81 elementor-widget elementor-widget-heading\" data-id=\"41baa81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6+<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59a9005 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"59a9005\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Cobertura de pa\u00edses<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45584d6 elementor-widget elementor-widget-heading\" data-id=\"45584d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Nuestra cobertura abarca m\u00e1s de 6 pa\u00edses en Europa, proporcionando opciones de pr\u00e9stamos adaptadas a tu ubicaci\u00f3n y necesidades. No importa d\u00f3nde te encuentres, te ofrecemos las mejores opciones disponibles.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-123e4c2 e-flex e-con-boxed e-con e-parent\" data-id=\"123e4c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a861a67 e-con e-atomic-element e-flexbox-base e-a861a67-df135ce \" data-id=\"a861a67\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a861a67\" data-e-type=\"e-flexbox\" data-id=\"a861a67\">\n    \t\t<div class=\"elementor-element elementor-element-b05fd5a elementor-widget elementor-widget-heading\" data-id=\"b05fd5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Marco legal en Espa\u00f1a\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-761f5a1 elementor-widget elementor-widget-text-editor\" data-id=\"761f5a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El cr\u00e9dito al consumo en Espa\u00f1a est\u00e1 regulado principalmente por la Ley 16\/2011, de 24 de junio, de contratos de cr\u00e9dito al consumo. Dos de los derechos que reconoce conviene conocerlos antes de firmar nada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-207c510 e-con e-atomic-element e-flexbox-base e-207c510-297db05 \" data-id=\"207c510\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"207c510\" data-e-type=\"e-flexbox\" data-id=\"207c510\">\n    <div class=\"elementor-element elementor-element-4c20588 e-con e-atomic-element e-div-block-base e-4c20588-612de88 \" data-id=\"4c20588\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"4c20588\" data-e-type=\"e-div-block\" data-id=\"4c20588\">\n    \t\t<div class=\"elementor-element elementor-element-704fc99 elementor-widget elementor-widget-text-editor\" data-id=\"704fc99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"t\" data-es=\"Desistimiento: 14 d\u00edas naturales\" data-en=\"Withdrawal: 14 calendar days\"><strong>Desistimiento: 14 d\u00edas naturales<\/strong><\/p>\n<p>Puedes dejar sin efecto un contrato de cr\u00e9dito al consumo en catorce d\u00edas naturales, sin indicar motivo y sin penalizaci\u00f3n. El plazo empieza en la firma o, si es posterior, al recibir las condiciones contractuales. Deber\u00e1s devolver el capital m\u00e1s los intereses acumulados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-dc8496e e-con e-atomic-element e-div-block-base e-dc8496e-4568ad1 \" data-id=\"dc8496e\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"dc8496e\" data-e-type=\"e-div-block\" data-id=\"dc8496e\">\n    \t\t<div class=\"elementor-element elementor-element-b130330 elementor-widget elementor-widget-text-editor\" data-id=\"b130330\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Reembolso anticipado<\/strong><\/p>\n<p>Puedes devolver el pr\u00e9stamo antes del vencimiento, total o parcialmente, con los l\u00edmites de compensaci\u00f3n que fija la propia ley. Al amortizar antes se reducen los intereses pendientes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-c780697 e-con-full e-flex e-con e-child\" data-id=\"c780697\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c018f5c elementor-widget elementor-widget-text-editor\" data-id=\"c018f5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Adem\u00e1s, la Ley de 23 de julio de 1908 sobre nulidad de los contratos de pr\u00e9stamos usurarios, conocida como Ley Azc\u00e1rate, permite anular contratos con intereses notablemente superiores al normal del dinero y desproporcionados. Los tribunales espa\u00f1oles la han aplicado en numerosos casos sobre microcr\u00e9ditos y tarjetas revolving.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e382bb6 e-flex e-con-boxed e-con e-parent\" data-id=\"e382bb6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7f8135e e-con e-atomic-element e-div-block-base e-7f8135e-6244462 \" data-id=\"7f8135e\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"7f8135e\" data-e-type=\"e-div-block\" data-id=\"7f8135e\">\n    \t\t<div class=\"elementor-element elementor-element-4b264a6 elementor-widget elementor-widget-heading\" data-id=\"4b264a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">\nUna reforma en tramitaci\u00f3n - todav\u00eda no est\u00e1 en vigor<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec7eb3d elementor-widget elementor-widget-text-editor\" data-id=\"ec7eb3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El Consejo de Ministros aprob\u00f3 el 7 de enero de 2026 el anteproyecto de la nueva Ley de Contratos de Cr\u00e9dito al Consumo, que traspone dos directivas europeas. <strong>No es todav\u00eda derecho vigente:<\/strong> debe completar su tramitaci\u00f3n parlamentaria y su aplicaci\u00f3n est\u00e1 prevista para el 20 de noviembre de 2026.<\/p>\n<p>Si sale adelante en los t\u00e9rminos del anteproyecto, afectar\u00e1 de lleno a los productos que se comparan en esta web: toda empresa que conceda cr\u00e9dito al consumo, incluidas las de microcr\u00e9ditos, deber\u00e1 estar autorizada y supervisada por el Banco de Espa\u00f1a; se establecer\u00e1n l\u00edmites m\u00e1ximos al coste del cr\u00e9dito, con un tope transitorio previsto del 22% de TAE; los microcr\u00e9ditos tendr\u00e1n plazos m\u00ednimos de devoluci\u00f3n; y antes de firmar un cr\u00e9dito de alto coste la entidad deber\u00e1 entregar una ficha informativa espec\u00edfica y una oferta vinculante.<\/p>\n<p>Iremos actualizando esta informaci\u00f3n conforme avance la tramitaci\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ad6dcce e-flex e-con-boxed e-con e-parent\" data-id=\"ad6dcce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-38ec39d e-con e-atomic-element e-flexbox-base e-38ec39d-700387f \" data-id=\"38ec39d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"38ec39d\" data-e-type=\"e-flexbox\" data-id=\"38ec39d\">\n    \t\t<div class=\"elementor-element elementor-element-1b89876 elementor-widget elementor-widget-heading\" data-id=\"1b89876\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Datos de la empresa<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c086f71 elementor-widget elementor-widget-text-editor\" data-id=\"c086f71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AfficardHub es un proyecto operado desde Estonia y dirigido al mercado espa\u00f1ol. Operamos dentro del Espacio Econ\u00f3mico Europeo y el tratamiento de datos personales se rige por el RGPD.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50795d9 e-con e-atomic-element e-flexbox-base e-50795d9-abb5144 \" data-id=\"50795d9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"50795d9\" data-e-type=\"e-flexbox\" data-id=\"50795d9\">\n    <div class=\"elementor-element elementor-element-bf43a00 e-grid e-con-boxed e-con e-parent\" data-id=\"bf43a00\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;curve-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,0c0,0,0,6,0,6.7c0,18,240.2,93.6,615.2,92.6C989.8,98.5,1000,25,1000,6.7c0-0.7,0-6.7,0-6.7H0z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6997e10 e-con-full e-flex e-con e-child\" data-id=\"6997e10\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1811736 elementor-widget elementor-widget-heading\" data-id=\"1811736\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Dato<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab0d21d e-con-full e-flex e-con e-child\" data-id=\"ab0d21d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-838f682 elementor-widget elementor-widget-heading\" data-id=\"838f682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Valor<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa1a3f5 e-con-full e-flex e-con e-child\" data-id=\"aa1a3f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf4a0be elementor-widget elementor-widget-text-editor\" data-id=\"bf4a0be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Denominaci\u00f3n<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84518c5 e-con-full e-flex e-con e-child\" data-id=\"84518c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be2c598 elementor-widget elementor-widget-text-editor\" data-id=\"be2c598\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>[Raz\u00f3n social completa &#8211; confirmar]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e27ca30 e-con-full e-flex e-con e-child\" data-id=\"e27ca30\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-559d375 elementor-widget elementor-widget-text-editor\" data-id=\"559d375\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>N\u00famero de registro<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0ba0ea3 e-con-full e-flex e-con e-child\" data-id=\"0ba0ea3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e261fc elementor-widget elementor-widget-text-editor\" data-id=\"2e261fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>[Registrikood &#8211; confirmar]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9458dd e-con-full e-flex e-con e-child\" data-id=\"a9458dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b96243e elementor-widget elementor-widget-text-editor\" data-id=\"b96243e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Domicilio<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e43db53 e-con-full e-flex e-con e-child\" data-id=\"e43db53\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37b9396 elementor-widget elementor-widget-text-editor\" data-id=\"37b9396\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pae tn 25, Lasnam\u00e4e, 11414 Tallinn, Harjumaa, Estonia<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4fe933 e-con-full e-flex e-con e-child\" data-id=\"e4fe933\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df039e4 elementor-widget elementor-widget-text-editor\" data-id=\"df039e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Correo electr\u00f3nico<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d53097 e-con-full e-flex e-con e-child\" data-id=\"4d53097\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f02a7f6 elementor-widget elementor-widget-text-editor\" data-id=\"f02a7f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>info@afficardhub.com<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c95c6cb e-con-full e-flex e-con e-child\" data-id=\"c95c6cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-474bd7c elementor-widget elementor-widget-text-editor\" data-id=\"474bd7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Tel\u00e9fono<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78ce99a e-con-full e-flex e-con e-child\" data-id=\"78ce99a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-084ced5 elementor-widget elementor-widget-text-editor\" data-id=\"084ced5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>+372 5840 2331<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f24b7de e-con-full e-flex e-con e-parent\" data-id=\"f24b7de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f303498 e-con-full e-flex e-con e-child\" data-id=\"f303498\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-950877b elementor-widget elementor-widget-heading\" data-id=\"950877b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00bfBuscas financiaci\u00f3n concreta?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50e8021 elementor-widget elementor-widget-text-editor\" data-id=\"50e8021\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Estos son los puntos de partida m\u00e1s \u00fatiles seg\u00fan tu situaci\u00f3n: pr\u00e9stamos personales para importes y plazos mayores, pr\u00e9stamos r\u00e1pidos cuando el tiempo es lo decisivo, y pr\u00e9stamos sin n\u00f3mina si no puedes acreditar ingresos fijos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff97ea5 elementor-widget elementor-widget-button\" data-id=\"ff97ea5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/afficardhub.com\/es\/#calculadora\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver comparativa de pr\u00e9stamos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Sobre AfficardHub Espa\u00f1a AfficardHub es un comparador de financiaci\u00f3n al consumo para Espa\u00f1a. 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