We are excited to welcome our latest Loan Originator, Simpleros, a fully automated online lending company based in Spain. Simpleros specialises in providing fast, fair, and inclusive consumer loans, helping residents of Spain access credit when they need it most. Since its launch, the company has originated over €11.75 million in loans and built a credit portfolio of €2.1 million, backed by strong repayment performance and customer loyalty.
Simpleros focuses primarily on Payday loans with maturities of 7–30 days, while also offering short Instalment loans of 60–90 days (2–3 instalments). Borrowers can access amounts of up to €1,000, with approvals and payouts completed in as little as 15 minutes thanks to a fully automated process.
To provide flexibility, Simpleros allows one loan extension per borrower, ensuring a balance between accessibility and responsible repayment.
Simpleros uses advanced Artificial Intelligence models to assess each applicant’s risk profile. The system analyses factors like income, credit history, digital footprint, and spending behaviour to create personalised offers.
This approach allows responsible borrowers to enjoy better rates while ensuring fair and transparent terms for all customers. Importantly, Simpleros maintains portfolio quality with an NPL level of 8.4%, reflecting effective risk control.
With over 323,000 registered customers and 94.6% returning clients, Simpleros has quickly established itself as one of Spain’s trusted digital lenders. In 2025 alone, the company has already issued €11.4 million in loans, showing an average monthly growth rate of 11%.
Borrower loyalty, combined with proactive and data-driven collections, underpins the company’s strong financial performance.
To start the cooperation, Simpleros offers payday loans and instalment loans with yields of 13.2% per year to investors on Income. All listed loans come with a buyback obligation and a risk-adjusted Junior Share. Payday loans carry a 13% Junior Share, with maturities ranging from 7 to 30 days, while instalment loans come with a 19% Junior Share, with maturities between 60 and 90 days, typically split into two or three instalments. One extension is available to borrowers, adding flexibility without compromising repayment discipline. These short-term consumer loans provide stable and attractive returns, making them a valuable addition to a well-diversified investment portfolio.
With its digital-first, AI-driven lending model, Simpleros combines speed, transparency, and financial inclusion—making it a valuable addition to the Income marketplace.
