Instant Credit
Instant Credit is the digital installment payment platform of Sabadell Consumer Finance (Banco Sabadell subsidiary), connecting multiple lenders with merchants across Spain to deliver instant, paperless point-of-sale consumer credit for purchases up to EUR 4,000 in e-commerce and physical retail.
- Company typePrivate
- Founded2015
- HeadquartersBarcelona, Spain
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Instant Credit does
Instant Credit is the digital installment payment platform of Sabadell Consumer Finance, a wholly-owned subsidiary of Banco Sabadell (Spain's fourth-largest banking group) acquired in June 2018 through InnoCells. The platform operates as a multi-financial credit intermediation layer that connects multiple lenders with merchants, enabling buyers to finance purchases through an instant (<30 second), paperless credit approval process for amounts up to EUR 4,000. It is operated through two Spanish entities — Sabadell Consumer Finance S.A.U. (registered in Sabadell) and LSP Finance, S.L.U. (registered in Sant Cugat del Vallès) — and serves both e-commerce and physical retail channels, primarily across Spain.
The product surface comprises a core REST API and merchant backoffice for e-commerce integration, pre-built modules for major e-commerce platforms (notably Magento, covering over 105,000 European stores), an installment simulator for merchant checkout pages, and the TPV Smart point-of-sale terminal (commercialized by Paycomet SLU under Banco Sabadell) that brings the same digital installment experience to brick-and-mortar retail without additional merchant-side technical development. A specialized vertical sub-brand, InstantCredit.travel, targets online travel agencies, airlines, ferry operators, and aggregators with typical bookings above EUR 1,500. The underlying architecture includes multi-lender routing to maximize credit approval rates, end-to-end digital contract execution through trusted third parties, and a white-label technology offering deployed to external financial institutions including Sabadell Consumer Finance and PepperMoney. In 2021, Instant Credit was rebranded to Sabadell Consumer, consolidating its identity under the parent bank's consumer finance umbrella while preserving the Instant Credit brand for the digital installment product.
The company operates a transaction-based take-rate model, earning a commission on each financed purchase routed through the platform; merchants receive the full purchase amount upfront while Instant Credit collects repayments from buyers over time. Pricing is not publicly disclosed and is negotiated on a per-merchant basis, with interest-free (0% TAE) campaigns available as a merchant acquisition tool. Go-to-market is sales-led with API-first enablement: a direct B2B sales team recruits merchants across nine-plus sectors (home furniture, fashion, electronics, automotive repair, childcare, education, travel, sports), supplemented by presence at major industry events (South Summit, eShow, Fitur, B-Travel, 4YFN, Finnovista, Revolution Banking, Innopayments) and content marketing through the corporate blog and LinkedIn presence.
Instant Credit firmographics
Firmographics- Name
- Instant Credit
- Legal name
- Sabadell Consumer Finance S.A.U.
- Website
- https://instantcredit.net
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Instant Credit is the digital installment payment platform of Sabadell Consumer Finance (Banco Sabadell subsidiary), connecting multiple lenders with merchants across Spain to deliver instant, paperless point-of-sale consumer credit for purchases up to EUR 4,000 in e-commerce and physical retail.
- Ownership category
- akta.pro rank
Instant Credit industry classification
Industry- Product category
- Point-of-Sale Consumer Financing
- NAICS
- Sales Financing (52222), Activities Related to Credit Intermediation (5223), Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163)
- akta.pro primary industry
- Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ)
Keywords
Where Instant Credit is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices2 records
Markets served
Instant Credit business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction Fee / Take Rate on Financed Purchases: Instant Credit earns a commission (take rate) on each financed purchase completed through its platform. The merchant receives the full purchase amount upfront while Instant Credit collects repayments from the buyer over time, generating revenue from the spread or fees charged.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard merchant integration with transaction-based pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Instant Credit product offering
Product offeringCore offering
Instant Credit is a digital multi-financial consumer financing platform, part of Sabadell Consumer Finance S.A.U. (Banco Sabadell Group), that enables merchants to offer customers instant, paperless installment payment financing at the point of sale. The platform operates across two channels — e-commerce checkout and physical retail point-of-sale (POS) terminals — and aggregates multiple financial institutions to route each financing request to the lender offering the best terms.
Product overview
Instant Credit is the digital installment payment solution of Sabadell Consumer Finance S.A.U., operating as a multi-financial platform that connects multiple financial institutions with merchant partners. The offering consists of the core Instant Credit Platform — a 100% digital, instant, and paperless payment-in-installments solution for e-commerce and physical retail — supported by a suite of integration tools including a REST API, pre-built e-commerce modules (e.g., for Magento), an installment simulator, and a merchant backoffice for real-time transaction monitoring. A specialized vertical sub-brand, InstantCredit Travel (instantcredit.travel), targets online travel agencies, airlines, and aggregators. For physical stores, the TPV Smart point-of-sale terminal enables the same installment experience via Banco de Sabadell's POS network, commercialized through Paycomet SLU.
Differentiator
Problem solved
Functional benefit
Brands
- InstantCredit.travel: Specialized travel financing platform for OTAs, airlines, and travel aggregators
- TPV Smart
Products and services
- Instant Credit Pay (E-commerce)
Quantifiable outcome
- Increases average basket size by up to 75%
- +6 more outcomes
Companies that use Instant Credit
Customer profileNamed customers25 records
Segments7 records
Ideal customer profiles3 records
Instant Credit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Instant Credit partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Paycomet (Paycomet, SLU)corePaycomet SLU, a Payment Entity belonging to Banco Sabadell Group (CIF B95842522, registered in Torrelodones, Madrid), provides the TPV Smart point-of-sale terminal technology through which Instant Credit's split-payment solution is delivered in physical stores.
- Sabadell Consumer FinancecoreSabadell Consumer Finance (the consumer finance arm of Banco Sabadell) uses Instant Credit's white-label technology to digitally originate consumer financing through the Instant Credit merchant network, replacing traditional paper-based processes.
- Trusted ShopsminorTrusted Shops, a trust seal provider for e-commerce, co-hosted a webinar with Instant Credit focused on increasing conversion rates and maximizing sales through buyer trust and flexible payment options.
- BStartup (Banco Sabadell)minorBStartup, Banco Sabadell's program for supporting startups, participated as a gold sponsor at 4YFN (Mobile World Congress) and organized workshops supporting innovative technology ventures, aligning with Instant Credit's fintech positioning.
- Air Europa (Grupo Globalia)minorAir Europa integrates Instant Credit's financing solution, enabling passengers to pay for flights in installments. Yago Casanovas (Air Europa's Payments, Fraud & CRO lead) is featured in Instant Credit's industry expert interviews.
- TravelgeniominorTravelgenio, an online travel agency operating in 30+ countries with over 700 million euros in revenue, integrates Instant Credit's split-payment for travel bookings. Vanesa Martínez (Treasury and Payments Manager) is featured as an Instant Credit industry expert.
Scale indicators14 records
Recent moves6 records
Expansion highlights5 records
Instant Credit competitors and assessment
Company assessmentBroad incumbents
- Klarna: Swedish-headquartered global BNPL leader with 100M+ consumers and broad merchant integrations across Europe — competes with Instant Credit across all verticals and is rapidly pushing regulated credit and bank-partnership offerings across the EU.
- Affirm: US/global installment lending platform with expanding European operations — competes with Instant Credit in travel, electronics, and home verticals on omnichannel BNPL with strong merchant-brand positioning.
- Afterpay: Block-owned global BNPL player with European presence — directly comparable installment model with strong brand appeal to merchants and consumers across the retail and fashion categories Instant Credit serves.
Direct peers
- Floa Bank: BNP Paribas-affiliated French consumer credit and installment fintech with pan-European e-commerce merchant integrations — directly comparable bank-backed installment-as-a-service model serving online retailers.
- Oney: BNP Paribas subsidiary offering POS installment credit in Spain and across Europe — directly comparable business model (bank-backed installment financing for e-commerce and in-store), with similar regulatory depth and merchant integrations.
- Aplázame: Madrid-based installment payment provider for Spanish e-commerce merchants, offering real-time credit decisions and split payments — directly competes with Instant Credit for merchant integrations and consumer checkout wallet share in Spain.
- SeQura: Barcelona-based BNPL and installment payments platform operating in Spain (and Iberia), serving e-commerce merchants with instant installment credit at checkout — the closest head-to-head competitor to Instant Credit in the Spanish market.
- Cofidis: Crédit Mutuel-owned consumer credit specialist with deep roots in Spain — directly competes in the same POS installment and consumer credit markets, including travel, automotive, and home verticals.
Emerging players
- Walley: Swedish buy-now-pay-later and installment provider serving the Nordics and select European markets — comparable in technology stack (instant credit decisioning, merchant API integrations) and in vertical coverage.
- Alma: European BNPL payments provider with strong footprint in France, Germany, Italy, and Spain — competing on merchant-side API-first installments for retail and travel verticals, with comparable product velocity.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key highlights7 records
Customer concentration
Instant Credit social profiles
Digital presenceInstant Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Instant Credit leadership team
Management profileNumber of profiles
Profiles3 records
Instant Credit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Instant Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Instant Credit
What does Instant Credit do?
Instant Credit is a digital multi-financial consumer financing platform, part of Sabadell Consumer Finance S.A.U. (Banco Sabadell Group), that enables merchants to offer customers instant, paperless installment payment financing at the point of sale. The platform operates across two channels — e-commerce checkout and physical retail point-of-sale (POS) terminals — and aggregates multiple financial institutions to route each financing request to the lender offering the best terms.
Is Instant Credit a public or private company?
Instant Credit is a private company. It is classified as corporate owned and is currently operating.
When was Instant Credit founded?
Instant Credit was founded in 2015. It employs 11 to 50 people.
Where is Instant Credit based?
Instant Credit is headquartered in Barcelona, Spain, in the Europe region.
How does Instant Credit make money?
One revenue line is on record: transaction Fee / Take Rate on Financed Purchases.
Who are Instant Credit's main competitors?
Broad incumbents on record are Klarna, Affirm and Afterpay. Direct peers are Floa Bank, Oney, Aplázame, SeQura and Cofidis. Emerging players are Walley and Alma.
Does Instant Credit have an API?
Yes. Instant Credit provides an API for merchant integration. The documentation page is accessible at https://www.instantcredit.net/api/ with details available on the documentation page. Integration options include the API, pre-built modules for common e-commerce platforms, and a simulator tool. Merchants can access their backoffice at https://backoffice.instantcredit.net/login/merchant. Developer documentation is at www.instantcredit.net/api.
What industry is Instant Credit in?
Instant Credit's product category is Point-of-Sale Consumer Financing. Its primary akta.pro industry code is FSAKAFAF, Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest), with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 52222 and its SIC code is 6141.