We only charge our fee if you win

Did you take out a loan and end up paying far more than you borrowed?

We review your loan and claim on your behalf.

We look at the interest, the fees and the insurance added to the loan. If something is abusive or was not explained to you, we claim back what you overpaid.

  • Free review within 24 h
  • Handled remotely

A real team handles your case.
Every claim is reviewed and signed by a lawyer admitted to the Spanish bar.

Step 1 of 2

Review my loan for free

It takes 30 seconds. We tell you whether there is something to claim. The review is free.

Review my contract for free

Review my loan for free

It takes 30 seconds. We tell you whether there is something to claim. The review is free.

Before we start

Did you sign a personal loan or a payday loan?

With a bank, an online lender or a short-term loan company.

What we do for you

You do not fight the lender.We do.

Claiming against a financial institution is slow and technical. That is why we stay with you from the documents to the end.

  1. 1Step 01

    You send us the agreement

    By WhatsApp, with a photo of each page or the PDF. We write to you first to ask for it.

  2. 2Step 02

    We review it and call you

    We analyse interest, fees and insurance. Someone from the team explains what we found.

  3. 3Step 03

    We claim for you

    If you decide to go ahead, a lawyer admitted to the Spanish bar prepares and signs the claim. You do not have to deal with the lender.

From start to finish, without leaving home.Review my contract for free
When do you need us?

Wherever you are with the loan.

From a loan you are still paying to one you finished some time ago.

The review is free. We tell you what we found and you decide whether to go ahead.

Cash machine
  • You are still paying

    We review what you still owe and what you have already overpaid.

  • You have finished

    Finished loans can be reviewed too. Time limits depend on each case.

  • You stopped paying

    If the debt is being claimed from you, we check how much of it is abusive interest and fees.

  • Several payday loans in a row

    We review them all together: that is where interest and fees build up most.

Your team

Real people handle your case.

Not a call centre. Every claim is reviewed and signed by a lawyer admitted to the Spanish bar before it is filed.

The Usuralia team at work
Illustrative photo
  • Lawyer in chargeAdmitted to the Spanish bar; reviews and signs every claim
  • Review teamAnalyses your agreement and keeps you informed
Trust

Why you can trust us.

We understand if you are wary: you are asked for your details and it is about money. This is what you can check for yourself.

  • The review is free

    We look at your agreement and tell you what we find. If there is nothing to claim, we say so and that is that.

  • Fee only if you win

    Our fee comes out of the money recovered. If nothing is recovered, you owe us no fee.

  • Signed by a lawyer admitted in Spain

    Every claim is reviewed and signed by a lawyer admitted to the Spanish bar before it is filed.

  • Everything in writing

    Before we start you sign a clear agreement. We do not accept an offer from the bank or go to court without your permission.

  • Follow your case on your phone

    You have a client area where you can see the status of your case and your documents, and write to us.

What we look at

What do we look at in your loan?

What usually makes these agreements more expensive without the customer knowing.

  • APR

    Interest

    What the money you borrowed has really cost you.

  • Set-up

    Fees

    Arrangement, assessment, missed-payment and collection fees.

  • Premium

    Insurance

    Insurance added to the loan and how much it raised each instalment.

  • Term

    Extensions

    Extensions and renewals that multiply the cost of a payday loan.

  • Info

    Transparency

    Whether you were properly told the total cost before signing.

Common questions

What people ask us most.

If your question is not here, leave us your details and we will answer it by WhatsApp.

How much does it cost?

The review is free and we only charge our fee if you win: it is a percentage of the money recovered, and if nothing is recovered you owe us no fee. Before you sign, we explain all the terms by phone and you have them in writing in the engagement agreement.

I cannot find the agreement. Can I still ask for a review?

Yes. Leave us your details and we explain how to request a copy from the lender. The sign-up email or the app is enough to start.

I have already finished paying. Does it still count?

Leave us your details anyway. We also review finished loans and tell you whether something can be done and within what time limit.

What documents do I need?

To begin, the loan agreement: a photo of each page or the PDF. If we go ahead, we will ask for your ID for the engagement agreement.

Do I have to go anywhere?

No. Everything is done by WhatsApp and phone. If your presence were ever needed, we would tell you well in advance.

Who reviews my case?

Our team analyses it and, before any claim is filed, a lawyer admitted to the Spanish bar reviews and signs it.

Can I do this in English?

This page and the first form are in English, but our team works in Spanish: calls, WhatsApp messages, the engagement agreement and any court proceedings are in Spanish.

What do you do with my data?

We use it to review your case and contact you about it. You can ask for access to it, or for it to be deleted, at any time.

Take the first step

Your claim starts with one question.

Leave us your details, send us the agreement by WhatsApp and we will tell you what we found. We only charge our fee if you win.

Review my contract for free
Review my contract for free

Fee only if you winFree review within 24 h