Updated September 28, 2026 · SumCue Editorial Team
Andacredito vs Finteres
Andacredito
Finteres
Higher score in this comparison
Andacredito vs Finteres: the differences
| Compare | AndacreditoReviewVisitVisit | FinteresReviewVisitVisit |
|---|---|---|
| Term | 2 to 3 months | 3 to 4 monthsHigher |
| Funding time | 10 minutes | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday, Debt consolidation, Car |
| Credit check | Not confirmed | Soft prequal |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Arrangement fee (0 EUR), Rate type (Variable), Lender type (Broker), Free early repayment (Yes), Origination fee (%) (0%), Credit needed (Poor).
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Key differences
- Finteres scores higher overall: 8.9 vs 8.8.
- Term is higher at Finteres: 3 to 4 months vs 2 to 3 months.
- Support channels: only Finteres offers Phone, Help centre.
- Loan types: only Andacredito offers Business, Student.
Our verdict on each
Andacredito
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.
Finteres
Finteres suits Spanish borrowers who want a broker to find them a small personal or payday loan without an arrangement fee. Its 0% to 36% starts well below the personal loan median of 14.43%, and the published representative example shows a borrowing with no costs added.
Score breakdown
| Area | Andacredito | Finteres |
|---|---|---|
| Cost | 9.5Arrangement fee of 0 EUR and 0%, APR of 0% to 36%, free early repayment. | 9.5Arrangement fee of 0 EUR and a monthly fee of €0, with an 0% to 36% range starting below the 14.43% median. |
| Offer | 8.4 | 8.8Higher |
| Trust | 8.5 | 8.5 |
Which one suits you
Pick Andacredito if loan types matter most.
Pick Finteres if offer and term matter most.
Ranges side by side
| Fact | Andacredito | Finteres |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Loan amount | €100 to €5,000 | €100 to €5,000 |
| Term | 2 to 3 months | 3 to 4 months |
Where they rank in our lists
| Ranking | Andacredito | Finteres |
|---|---|---|
| Loans | 18 of 2043 | 32 of 2043 |
| Personal loans | 14 of 1317 | 26 of 1317 |
| Payday and short-term loans | 4 of 233 | 13 of 233 |
Also worth a look
myKredit has term at 30 months, against 2 to 3 months for Andacredito and 3 to 4 months for Finteres.
myKredit reviewEvery fact side by side
| Fact | Andacredito | Finteres |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Phone, Help centreCovers more |
Savings
| Fact | Andacredito | Finteres |
|---|---|---|
| Headline rate | Not confirmed | 0% to 36% |
| Minimum deposit | Not confirmed | €100 |
| Access terms | Not confirmed | Free online comparison and pre-application service, available 24 hours a day, 7 days a week, no branches or paperwork |
| Monthly fee | Not confirmed | €0 |
| Account kind | Not confirmed | Fixed |
Where each stands against the rest
| Fact | Andacredito | Finteres | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €100 to €5,000below the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Andacredito
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
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
Finteres
Pros
- No arrangement fee, at 0 EUR, and a monthly fee of €0 on the account
- The 0% to 36% range starts below the personal loan median of 14.43%
- The comparison and pre-application service is free, open around the clock, with no branches and no paperwork
Cons
- As a broker it does not lend itself, so the rate you pay inside the 0% to 36% range depends on which partner approves you
- The 3 to 4 window is short, so spreading a debt over a longer term is not on offer
- Eligibility requires legal residence in Spain, a Spanish bank account in your own name, stable income and a valid DNI or residence permit
Who each suits
Andacredito
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
Finteres
Who it suits
- Adults living in Spain who need a payday style loan within €100 to €5,000 to bridge a short gap
- Borrowers with thinner credit, since poor is the level the service is built around
- People who want free early repayment on a fixed rate fixed loan
Who should look elsewhere
- Anyone who needs a large sum, since the top of €100 to €5,000 sits well below the personal loan median of €559
- Borrowers who need a long repayment period, because 3 to 4 is short
- Readers who want a provider that names its own regulator and a deposit protection scheme, and would rather see Cashspace or Sofkredit
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Finteres |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Andacredito
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.
Finteres
What does Finteres charge for arranging a loan?+
The arrangement fee is 0 EUR with no percentage added on top, and the account itself carries a monthly fee of €0. Using the comparison and pre-application service is free. What you do pay is the interest on the loan itself, which sits inside the 0% to 36% range.
How much can I borrow, and for how long?+
The amount runs from €100 to €5,000, so it is aimed at a small shortfall or an unexpected bill rather than a large purchase. The term that comes with it is 3 to 4, which keeps the repayment schedule short. For a bigger sum, compare providers whose range starts higher.