Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Andacredito review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Andacredito suits borrowers in Spain who need a small sum quickly and can manage a short repayment window. The broker charges an arrangement fee of 0 EUR and quotes APR of 0% to 36%, with a representative example at 0% to 36% and free early repayment.

Key facts

Best for
Small short term borrowing in Spain at no arrangement fee.
APR
0% to 36%↗
Loan amount
€100 to €5,000↗
Term
2 to 3 months↗
Arrangement fee
0 EUR↗
Funding time
10 minutes↗
Representative example
300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0%↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
18 or older, bank account in Spain, ability to repay↗
Origination fee (%)
0%↗
Loan types
Personal, Payday, Car, Business, Student, Debt-consolidation↗
Credit needed
Poor↗
Legal entity
Fininity OU↗
Headquarters
Estonia↗
Support channels
Email↗
Features
Same-day funding
Official website
andacredito.es

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Arrangement fees of 0 EUR and 0% keep the cost of taking out a loan low
  • Free early repayment means a clear exit without a charge for settling early
  • The representative example shows a small loan with no cost added to what is borrowed
  • Funding in 10 minutes suits a shortfall that cannot wait
  • Poor credit is accepted, matching poor

Cons

  • Terms run only 2 to 3, far shorter than the 36 seen across the market
  • The top of the rate range, 0% to 36%, sits close to the 27.8% typical of payday style lending
  • Support runs on email only, so help is written rather than spoken
  • Andacredito is a broker, so the lender behind the loan is set by someone else
Andacredito

Ready to try Andacredito?

Scored 8.8 / 10 by SumCue.

Visit

Who it suits

  • Adults with a bank account in Spain who meet the 18 or older, bank account in Spain, ability to repay rules
  • Borrowers with poor credit who want a quick small sum
  • People who can clear a short 2 to 3 term from one payment cycle

Who should look elsewhere

  • Anyone needing a long repayment period, since the ceiling is 2 to 3 against the from €12,000 floor at Creduma ES
  • Borrowers who want a long term loan at a fixed style rate, where Sofkredit quotes 10.74% to 18.06%
  • People who prefer to speak to support, as Andacredito offers email only

Rates and costs

Andacredito is a broker in Spain, and the cost side reads well. The arrangement fee is 0 EUR and the percentage fee is 0%, so nothing is added on top for setting the loan up. The rate quoted runs 0% to 36%, and because the rate type is variable the figure can move rather than sitting still for the life of the loan. The representative example on the site takes a loan and shows a cost of nothing above the amount borrowed, with the total repayable equal to the amount advanced. Early repayment is free, so clearing the balance sooner does not attract a charge. For a reader who judges a lender on what it takes out rather than what it advertises, that combination is the strongest part of the offer.

Deposit protection

Two things matter here. The first is who actually lends the money. Andacredito works as a broker, which means offers are matched to lenders rather than the funds coming from Andacredito itself, so the terms you sign sit with a third party. The second is what the representative example commits the lender to. That example shows a small loan repaid over a short window with a cost of nothing above the amount borrowed, so on that headline case the whole sum comes back. No deposit is taken, and the representative example is the clearest published statement of what a borrower owes on the sample deal.

Application and funding speed

Speed is the clear selling point. Funding lands in 10 minutes once an application is approved, and the feature list for the brand includes same day funding, which puts Andacredito in the 90.2% group of lenders on the site. The size on offer runs €100 to €5,000, which is a modest sum and sits below the €247.23 typical of payday lending. The term is 2 to 3, a short window by any measure and well under the 36 median term across the market, so approval is quick but the deadline is tight.

The company behind it

The contracting entity is Fininity OU, registered in Estonia. That naming matters for a broker: the terms and conditions sit under a named company rather than a trading label, so there is a legal party to hold to account even though the money itself comes from a matched lender. Support is offered through email, so help arrives in writing. For a reader who wants to know who stands behind the agreement, the legal entity name and the country of registration are the two details to hold on to.

How Andacredito compares

Where Andacredito is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Andacredito charge to set up a loan?+

The arrangement fee is 0 EUR and the percentage fee is 0%, so there is no separate charge for arranging the loan. The rate quoted is 0% to 36%, and it is a variable rate, so the figure can change. Early repayment carries no charge either.

Is early repayment free on Andacredito loans?+

Yes, early repayment is free. That matters most on the short 2 to 3 terms the brand offers, because a borrower who clears the balance sooner pays nothing extra for doing so. Many lenders on the site charge for settling early, so this is a point in favour.

How long does it take to get money from Andacredito?+

Funding takes 10 minutes once an application is approved, and same day funding is listed among the brand features. A shortfall that cannot wait a few working days is the case this speed is built for.

How much can I borrow from Andacredito?+

The amount available runs €100 to €5,000, so this is a small sum lender rather than one for a major expense. The representative example shows a loan at the lower end of that range repaid over a short window with a cost of nothing above the sum borrowed.

How long do I have to repay an Andacredito loan?+

The term is 2 to 3, which is short enough that repayment has to come from a single payment cycle. The median term across the wider market is 36, so anyone wanting to spread a repayment over years will find this too tight.

Who actually lends the money through Andacredito?+

Andacredito is a broker, so applications are matched to lenders and the credit agreement sits with a third party rather than with the site itself. The legal entity behind the terms is Fininity OU, registered in Estonia, which is the party named in the conditions.

What credit do I need to borrow through Andacredito?+

The stated credit requirement is poor, so the brand is aimed at borrowers whose credit file is not strong. You also need to meet the 18 or older, bank account in Spain, ability to repay conditions, which include a minimum age, a bank account in Spain and the ability to repay.

How do I get help from Andacredito?+

Support is offered through email, so questions are handled in writing by email. There is no phone or chat line listed, which makes it less suited to anyone who needs to talk a problem through quickly.

Sources

  • andacredito.es checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Prestamos rapidos con ASNEF ... No requerimos un historial crediticio perfecto”

  • andacredito.es/condiciones-generales checked September 26, 2026

    Backs: Headquarters, Legal entity

  • andacredito.es/contacto checked September 26, 2026

    Backs: Support channels

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Andacredito

Andacredito

Small short term borrowing in Spain at no arrangement fee.

8.8/10Visit