Updated September 28, 2026 · SumCue Editorial Team
Andacredito vs Que Prestamo
Andacredito
Higher score in this comparison
Que Prestamo
What sets them apart
| Compare | AndacreditoReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 7% to 35% |
| Loan amount | €100 to €5,000 | €5,000 |
| Term | 2 to 3 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 EUR | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | 10 minutes | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Origination fee (%) | 0%Lower | 3.5% |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- Andacredito scores higher overall: 8.8 vs 8.6.
- APR is lower at Andacredito: 0% to 36% vs 7% to 35%.
- Origination fee (%) is lower at Andacredito: 0% vs 3.5%.
- Term is higher at Que Prestamo: 1 to 72 months vs 2 to 3 months.
- Loan types: only Andacredito offers Payday, Car, Business.
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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan paid out the same day and can cover a fee taken off the top. Its cost picture is the weak point: the annual percentage rate runs 7% to 35%, and the fee of 3.5% is deducted from the amount disbursed.
Score breakdown
| Area | Andacredito | Que Prestamo |
|---|---|---|
| Cost | 9.5HigherArrangement fee of 0 EUR and 0%, APR of 0% to 36%, free early repayment. | 8.8Annual percentage rate of 7% to 35% plus an arrangement fee of 3.5% taken off the amount before it reaches the account. |
| Offer | 8.4 | 8.7Higher |
| Trust | 8.5 | 8.5 |
Availability and regulation
Available in 1 country for both.
Ranges side by side
| Fact | Andacredito | Que Prestamo |
|---|---|---|
| APR | 0% to 36% | 7% to 35% |
| Term | 2 to 3 months | 1 to 72 months |
Pick Andacredito if, pick Que Prestamo if
Pick Andacredito if cost, apr, origination fee (%), and loan types matter most.
Pick Que Prestamo if offer and term matter most.
How they place
| Ranking | Andacredito | Que Prestamo |
|---|---|---|
| Loans | 18 of 2043 | 9 of 2043 |
| Personal loans | 14 of 1317 | 6 of 1317 |
Every fact side by side
| Fact | Andacredito | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Leads for Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Que Prestamo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 7% to 35%below the median | 9.99 |
| Loan amount | €100 to €5,000below the median | €5,000below the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%at the median | 3.5%highest quarter | 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
Que Prestamo
Pros
- Approval in Approval in 5 minutes, money in your account in 15 minutes, so a same day loan is realistic for anyone in a hurry
- No guarantor needed, which widens who can qualify
- Personal loans up to €5,000 and terms of 1 to 72 cover short and long borrowings
Cons
- The arrangement fee of 3.5% is deducted from the disbursed amount, so you receive less than the amount approved
- Rates of 7% to 35% sit well above Sofkredit at 10.74% to 18.06%
- Support runs on email only, so there is no phone or chat line for a live loan query
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
Que Prestamo
Who it suits
- Residents of Spain with a current account in their own name and an active mobile number
- Adults with a valid DNI or NIE who can cover a fee taken off the loan amount
- Borrowers who need money in the account the same day rather than at the end of the week
Who should look elsewhere
- Anyone who wants the full approved amount in the account, since the fee is deducted first
- Borrowers wanting a low rate, where Sofkredit at 10.74% to 18.06% is the cheaper comparison
- Larger sums, since Creduma ES offers amounts from from €12,000
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
Country by country
| Country | Andacredito | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What does Que Prestamo cost to borrow?+
The annual percentage rate runs 7% to 35% on personal loans. On top of that, an arrangement fee of 3.5% of the loan amount is charged as loan processing fees of the financial entity, and it is taken off the amount disbursed rather than billed separately.
How much money actually lands in my account?+
Less than the amount approved, because the arrangement fee of 3.5% is deducted from the disbursed amount. The representative example shows this clearly, with the amount received lower than the amount borrowed and the total repayable higher again once interest is added.