What do you get when you cross PFM functionality with a full lending platform? Courtesy of a new partnership between Spanish fintech Fintonic and BBVA, we are about to find out.

Fintonic announced today that BBVA will be a part of the company’s loans platform. The innovative bank joins EVO Finance, Wanna, and a growing number of large banks and FIs that have joined Fintonic’s loan platform, which has processed more than €30 million in total loan transaction volume.

“Fintonic goes beyond the traditional PFMS (personal financial management system) and, unlike banks, it is committed to a marketplace that offers loan alternatives from various institutions,” Lupina Iturriaga, founder and general manager of Fintonic said. Fintonic offers a unified digital banking solution that combines all of the user’s basic financial information – banking, insurance, credit cards, loans – into one mobile app. More than 450,000 people are using Fintonic’s app to better understand their spending and saving behaviors. The company boasts that in 2017 its platform saved users €13 million in reimbursed charges and sent more than 278k alerts to warn users about potential overdrafts.

The new partnership with BBVA will enable users of the Fintonic app (available from both Google Play and the Apple App Store) to obtain loans of up to €30,000 without having to leave the app. The platform leverages risk profiles and customer data based on economic, social, and demographic analyses, as well as machine learning prediction algorithms and external sources such as FACTIVA to provide loan approvals in three minutes or less. Fintonic is also the developer of the FinScore, a free, personalized index that gives users information about their credit profile and how it affects the attractiveness of certain financial products.

Founded in 2012 and headquartered in Madrid, Spain, Fintonic demonstrated its technology at FinovateSpring 2016. At the conference, the company highlighted a new innovative alert and inbox system lets users know when they are being charged commissions, when overdrafts occur, and when insurance policies are nearing expiration.

Named to the European Fintech 100 last fall, Fintonic has raised more than $29 million in funding, and includes ING Group, PSN, Ideon Financial Solutions, Inception Capital, Onza Capital, and Atresmedia among its investors. The company was profiled by La Voz de Galicia this spring.