Openbank (the digital bank of Santander Group) offers personal loans without origination or maintenance fees, open to both existing and new clients.
## Openbank Loan Assessment
Openbank stands out for zero fees and a well-designed mobile interface. However, you must open a checking account with them, and their risk underwriting is notably strict, frequently declining freelancers or borrowers with fluctuating earnings.
## Alternatives Without Opening a New Bank Account
– **Creditio Card:** Up to €6,000 virtual revolving line ready on your phone in 10 minutes.
– **DoPrestamo:** From €100 to €10,000 with inclusive acceptance and direct deposit into your existing account.