Blog
Insights, guides, and updates from the CreditCheck team.
Personal loan comparison: CreditCheck vs. the traditional model
Compare personal loans more effectively and discover the differences between CreditCheck and traditional comparison tools, from the data used to the personalisation of offers.
Calculate your borrowing capacity step by step
Borrowing capacity indicates how much of your income you can allocate to debt repayments. As a general guideline, your monthly repayments should not exceed 35%–40% of your net income, although you should also consider your expenses, savings, and financial stability.
What is credit scoring and how is it calculated in Spain
Discover what credit scoring is, how it is calculated in Spain, which factors affect it, and how to improve your score before applying for financing.
Why can your loan or mortgage application be rejected? 5 factors you should review before applying
Learn about the key factors that can influence whether a loan or mortgage application is approved, and discover how to better prepare your financial profile before applying. Understanding your repayment capacity, debt level and overall financial situation can help you access financing options that are better suited to your needs.
How much can you borrow based on your income?
Learn what really determines your borrowing capacity and why income is only part of the picture. This article explains how lenders assess affordability, the role of expenses, savings and existing debt, and how verified financial data can provide a more accurate view of your financial profile.
Is it safe to connect your bank account with Open Banking?
CreditCheck uses open banking to build a more accurate and realistic financial profile based on verified banking data. Through this technology, it can analyze income, expenses, and financial stability to offer loans and mortgages better tailored to each person. The entire process is secure, transparent, and always under the user’s control, without sharing banking passwords or allowing money transfers.
What is CreditCheck and how to get better loans with open banking?
CreditCheck uses open banking to provide a more accurate and personalized way to access loans and mortgages. Instead of relying solely on self-reported data, it analyzes verified banking information to better assess your financial profile. This allows you to receive more tailored offers, increase your chances of approval, and make decisions with greater confidence. The entire process is fast, transparent, and secure, with full control over your data in your hands.