FinScore
The first free credit score in Spain and Fintonic makes it readily available. An impartial and independent score that rates how you use and manage your money. FinScore is a powerful adventure.
Do you want to know your FinScore?
Let's start!If you know your FinScore, you know how SEXY you are to banks. Discover it and use it in your favour. The better your FinScore, the better the conditions you can get when applying for financial products both via Fintonic and elsewhere.
Find out your FinScore and get the best conditions for your loans, mortgages, cards, etc.
You can negotiate on the same level with institutions, because information is power!
Apply for your loan without leaving Fintonic, whichever institution you choose.
Negotiate on the same level
Now with FinScore, you’re going to be speaking on the same level as your institution and you can negotiate the best terms for yourself (among the many institutions connected to our multi-institution platform). You finally know first-hand what the banks already knew about you, but never told you.
Power in your hands
The higher the FinScore, the more negotiating power you’ll have with your bank and the better the financing conditions will be. You’ll enjoy a lower interest rate, a higher maximum financing amount with longer repayment times.
You can improve it
Everything can be improved in this world, even your FinScore! You can find tips and recommendations from our professional team to help you improve your score and thus be eligible for better financial products. If you follow them, you’ll see how you’ll have a much higher score in a few months
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How is it obtained?
The FinScore score is determined from all the information from all your accounts on Fintonic. A score that ranges from 0 to 900 points and is calculated using over 160 variables, including: the level and frequency of income, the net balance of your accounts (cash and trends), liquidity and payment events (returned bills, overdrafts, collections, etc.) and your credit history (type of credit, amount, debt level, etc.).
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How long could you live without income?
The FinScore tells you many things, how much you spend, your debt level and even how many days you could live without any type of income (although we sincerely hope this never happens to you).
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By looking for the best products for you, so that you can get the most out of your money.
We do not charge the user, but rather the (more than) 55 companies that are connected to our platform. And we never share personal information with third parties.