# TomaYa

> TomaYa (operated by TOMAYA TECNOLOGÍAS, S.L., Madrid, Spain) provides short-term
personal loans to Spanish residents through a fully digital, 24/7 online application and
approval process.

Available to Spanish residents aged 18 to 60 with a valid DNI or NIE and a personal bank
account. No prior employment history or credit history required. Loan approval is at
TOMAYA's sole discretion and subject to eligibility and solvency verification.

## Loans
- [Personal Loan Application](https://tomaya.es/): Request a personal loan from €20 to
€1,500, with a term of up to 70 days (extendable up to 360 days total), a fixed daily interest
rate, and funds deposited directly to the user's bank card or account within minutes.

## Support & Information
- [Frequently Asked Questions](https://tomaya.es/faq): Requirements, eligibility, application
process, repayment, and loan extension terms.
- [Contacts](https://tomaya.es/contacts): Customer support phone (919 531 152 / 900 499
112), email (info@tomaya.es), and business hours (Monday–Friday, 9:00–20:00), Madrid.

## Payments
- [Loan Repayment](https://tomaya.es/repayment): Pay an existing loan online via bank card,
through the personal account area, or by bank transfer to TOMAYA's designated account.

## Legal & Compliance
- [Terms & Conditions](https://tomaya.es/terms-and-conditions): Binding terms governing
loan applications, interest rates (ordinary and default), extensions, early repayment,
withdrawal rights, and dispute resolution under Spanish law.
- [Privacy Policy](https://tomaya.es/privacy-policy): How personal data, identity documents,
and financial information are collected, used, and protected under GDPR/RGPD.
- [Cookies Policy](https://tomaya.es/cookies-policy): Categories of cookies used (necessary,
analytics, advertising) and how users can manage consent.
- [Legal Notice](https://tomaya.es/aviso-ligal): Company registration details, website usage
terms, and intellectual property information.
- [Withdrawal Form](https://tomaya.es/withdrawal-form): Form for exercising the 14-day legal
right of withdrawal from a signed loan contract.
- [Accessibility Statement](https://tomaya.es/accessibility-statement): TOMAYA's WCAG 2.2
AA accessibility compliance status and available assistive features.

## Optional
- [Client Sign-In](https://tomaya.es/sign-in): Authenticated client account access for
managing an existing loan, checking balances, and requesting extensions — not general
informational content.