Dineo

What Dineo does

Dineo (legally DINEO CRÉDITO S.L.) is a Spanish fintech microcredit lender serving consumers resident in Spain. Its core offering is short-term personal loans of 50 to 1,000 euros, with repayment periods ranging from 5 days to 4 monthly installments (up to 120 days). New customers can borrow up to 300 euros interest-free in-store; returning customers can access up to 500-1,000 euros. Dineo distributes through a proprietary web platform (dineo.es) and dedicated stands inside 74+ Cash Converters retail stores across Spain, the latter being the only channel where loan proceeds can be delivered in physical cash. The company has served more than 1.2 million cumulative customers.

The underlying platform is a web-based loan-origination system with online identity verification (DNI, bank account, or online banking login), automated approval decisioning, and digital disbursement, completing an application in under 8 minutes. The proprietary technology stack emphasizes ease of use, integration with the Cash Converters point-of-sale for cash delivery, and advanced data encryption. A separate customer portal (area.dineo.es) supports loan management, renewal, and extension.

Dineo earns revenue primarily through interest and fees on originated micro-loans and on loan extensions/renewals, on a transactional pay-as-you-go basis. It is privately held, part of the Cash Converters corporate family, self-regulated through AEMIP, and capable of assigning credit rights via the Mintos Marketplace. No equity funding rounds or revenue figures are disclosed in the source material.

Name

Dineo

Legal name

DINEO CRÉDITO S.L.

Website

https://dineo.es

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Dineo is a Spanish fintech microcredit lender offering short-term loans of 50 to 1,000 euros to Spanish consumers through a proprietary web platform and 74+ Cash Converters retail stores, with automated online underwriting and unique in-store cash disbursement.

Ownership category

akta.pro rank

Product category

Consumer Microfinance

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Short-Term Loan Servicing & Collections (Payday/Title) (FSAKAMAO)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Consumer microfinance
• Online microcredit loans
• Short-term personal lending
• Fast cash loans
• Emergency credit services

Headquarters

HQ city

Marbella

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Micro-loan origination fees / interest: Dineo earns revenue through interest charges and fees on short-term micro-loans (50-500 euros) with repayment periods of 5 to 30 days. New customers can access up to 300 euros; recurrent customers up to 500 euros. Loans of up to 300 euros in-store for first-time customers are offered free of interest as a promotional offer.
2. Loan extension / renewal fees: Customers can extend the repayment period of their loan, which generates additional interest and extension charges. This provides a secondary revenue stream from customers who need more time to repay.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Dineo is a Spanish fintech that provides short-term micro-loans (50 to 1,000 euros) to individual consumers in Spain for emergency and unexpected expenses. Loans are originated via a 100% online web application (completed in under 8 minutes) or in-person at dedicated stands inside Cash Converters stores across Spain, with repayment terms of 5 to 30 days (or monthly installments up to 120 days for larger amounts). The company funds disbursement digitally to bank accounts or in physical cash, and supports loan extensions/renewals for customers needing additional repayment time.

Product overview

Dineo is a Spanish fintech microcredit lender offering short-term personal loans through an online platform and physical Cash Converters store network. The core product portfolio consists of Préstamos Rápidos (Fast Loans) and Microcréditos (Microcredits) ranging from 50 to 1,000 euros with repayment periods from 5 days to 120 days. New customers access up to 300 euros while returning customers can borrow up to 500-1,000 euros. The platform operates 24/7 with 8-minute digital applications and funds disbursement within 24-48 hours. Key differentiators include no income documentation requirements, no guarantor requirements, and accessibility for ASNEF-listed customers. Additional sub-products include Dinero Ya, Dinero Accesible, Dinero Inmediato, Dinero Hoy, and Dinero Urgente for various emergency funding scenarios. The company also offers loan renewal and extension services through its customer portal.

Differentiator

Problem solved

Functional benefit

Brands

• Dineo: The primary brand offering micro-loans and fast credit services to consumers in Spain.

Products and services

• Préstamos Rápidos (Fast Loans) Short-term microcredit loans of 50 to 500 euros with repayment periods of 5 to 30 days. New customers can borrow up to 300 euros; returning customers up to 500 euros. Processed online or in-person at Cash Converters stores, with funds disbursed within 24 to 48 hours. Targeted at Spanish consumers needing quick small loans.
• Microcréditos (Microcredits) Small emergency loans of 50 to 300 euros for immediate financial needs such as home repairs, medical visits, or unexpected expenses. No income documentation or guarantors required. Aimed at Spanish consumers with urgent liquidity needs.
• Préstamos de 500 euros Loans up to 500 euros available to returning customers or in-person at Cash Converters stores. Includes options for ASNEF clients and flexible repayment in 2 to 4 monthly installments. Targeted at recurrent borrowers and ASNEF-listed applicants.
• Préstamos de 1000 euros Larger loans up to 1,000 euros for covering bigger expenses like home repairs, medical bills, or educational costs. Repayable in up to 4 installments over 120 days. Available in Cash Converters physical stores. Aimed at consumers with larger emergency funding needs.
• Dinero Ya (Money Now) Same-day loan product allowing customers to access up to 300 euros immediately, and returning customers up to 500 euros. Fully digital application completed in under 10 minutes. Targeted at Spanish consumers needing instant small cash.
• Dinero Accesible (Accessible Money) Loan product offering up to 300 euros with a 30-day repayment period. Designed for quick access without extensive paperwork or documentation requirements. Aimed at borrowers seeking fast, low-friction credit.
• Dinero Inmediato (Immediate Money) Instant funding option for urgent needs with rapid approval and disbursement. Compliant with fintech standards for quick credit access. Targeted at consumers facing emergency liquidity needs.
• Dinero Hoy (Money Today) Same-day funding product enabling customers to receive money within hours. Online application takes under 10 minutes, with funds available within 48 hours. Targeted at consumers wanting same-day cash disbursement.
• Dinero Urgente (Urgent Money) Emergency loan product for urgent financial needs with rapid processing and flexible repayment options. Aimed at consumers with time-sensitive liquidity shortfalls.
• Renovación de Préstamo (Loan Renewal/Extension) Loan extension service allowing existing customers to extend their repayment deadline. Incurs additional interest and extension fees, increasing the total amount to repay. Aimed at current borrowers needing additional time to repay.

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Cash ConverterscoreChannel Partner/ Reseller/ DistributorDineo operates dedicated loan-application stands inside all Cash Converters retail stores across Spain (74+ locations). Cash Converters provides the physical retail footprint and customer traffic; Dineo provides the financial product. This is a key distribution and GTM partnership enabling Dineo's physical presence and unique cash-in-hand disbursement capability.
• AEMIP (Asociación Española de Micropréstamos)coreOthersDineo is represented and self-regulated by AEMIP, the Spanish Micro-loan Association. AEMIP was founded in 2013 and promotes transparency and professionalization of the sector, protecting customers through a strict Code of Good Practice. With 11 member companies representing 80% of annual micro-loans in Spain, AEMIP serves as the key interlocutor with the Administration and financial institutions.
• Confianza OnlineminorOthersDineo holds the Confianza Online certification, a Spanish trust seal awarded to companies that comply with good practice standards in e-commerce and data protection, providing additional credibility and consumer trust signals.
• AEFI (Asociación Española de Fintech & Insurtech)minorOthersDineo is a member of AEFI, the Spanish Fintech and Insurtech Association, which represents and supports technology-driven financial services companies operating in Spain.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/dineo.es
• LinkedInlinkedin.com/company/dineo-credito-sl

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dineo