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Cashspace ES 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

Cashspace ES suits adults in Spain who want a small personal loan or credit line with no hard credit check and no setup fee. Cost looks kind: an APR of 0% and an origination fee of 0 EUR, with the final rate set by your matched lender.

Key facts

Best for
Adults in Spain who need a small same-day loan or credit line and want no setup fee.
APR
0%↗
Loan amount
€100 to €5,000↗
Arrangement fee
0 EUR↗
Credit check
Soft prequal↗
Funding time
As fast as 5 minutes; most approved applicants receive their money the same day they apply↗
Lender type
Broker↗
Eligibility
18+; Spain↗
Origination fee (%)
0%↗
Loan types
Personal, Credit-line↗
Credit needed
Poor↗
Legal entity
Fininity OU↗
Headquarters
Estonia↗
Support channels
Email, Phone↗
Features
Same-day funding
Official website
cashspace.es

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • The stated APR is 0%, which sits below the site median of 338 rivals on the same measure, so the headline cost is hard to beat in the table.
  • The origination fee is 0 EUR and the fee percentage is 0%, so setting up the loan adds nothing to the price.
  • Checks are soft prequal, so a rejected application is less likely to leave a mark than with the hard checks most of the site uses, and 75% is the most common approach.
  • Funding can be as quick as the same day, which matters if you are waiting on a bill, a repair or a deposit.
  • You can choose a personal loan or a credit line, so the same application works for a one-off cost or for repeat borrowing.

Cons

  • The stated APR of 0% is a broker rate, so the rate a partner lender actually charges can sit well above the 14.43% median in this part of the market.
  • The cap on borrowing is €100 to €5,000, which is a short term against the €2,630.21 upper quartile of lenders in the same ranking.
  • Support runs on email and phone only, with no live chat listed, while 29.8% is a listed channel for much of the market.
  • The credit bar is set at poor, so an application is a poor credit product rather than a cheap way to build a record.
Cashspace ES

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults living in Spain who need a small personal loan or a credit line quickly and want to avoid a hard credit file check.
  • Borrowers whose credit is thin or who are rebuilding after past problems, and who are comfortable that the loan is small.
  • People who want a personal loan and a revolving credit line from the same place, and who will read the partner terms closely before they sign.

Who should look elsewhere

  • Anyone hoping to borrow close to a large house deposit, because the cap is €100 to €5,000.
  • Borrowers with a strong credit record who want the lowest possible rate, since poor places this product in the weaker credit range rather than the lowest priced tier.
  • People who want live chat support, because email and phone covers only email and phone.

Application and funding speed

Speed is the first thing to weigh here, and this is where Cashspace ES pulls ahead of the lenders below it. The site lists same-day funding as a feature, and most approved applicants are told to expect their money on the day they apply. The stated funding time is a few minutes at the very fastest, so an application made in the morning can realistically be sitting in your account before the day is over. That speed pairs with a light application. The credit check is soft prequal, which means a quote costs you nothing in the way a full application would. You find out whether partners will lend to you, and the hard search that affects future borrowing only happens once you accept an offer. The scale fits the same speed. The amount runs €100 to €5,000, a range set for short, urgent sums rather than long finance. If you need to wait a while before the money lands, a provider that pays out within minutes is the wrong shape of product, and you would be better off looking at a slower lender with a longer term.

Where it sits among rivals

Two measures show how this brand compares with everything else in the table, and they point in opposite directions. On cost, Cashspace ES is at the front. Its rank on APR is 1 out of 338 brands ranked on the same measure, which makes it the cheapest-looking entry on that column. That is a genuine strength if you are shopping purely on the headline number. On size, it sits well back. Its rank on loan amount is 511 out of 665 brands, so the amounts on offer here are among the smaller ones in the market. Read the two ranks together and the picture is clear: this is a lender for a quick, small sum, not one for a large, structured borrowing need. If your requirement is the bigger sum, a brand that ranks far higher on loan amount will serve you better regardless of what its headline rate says.

Rates and costs

Cost is the clearest strength here, and it is worth reading carefully because the two numbers work in different ways. The headline APR is 0%, and the rank on that measure is 1 out of 338 brands. Set against a market where the median APR across the wider personal loan ranking is 14.43%, and where the range stretches from 7.49% to 25.09%, the advertised rate sits far below anything typical. On the cost score for this page, that is what lifts the brand to 8.5 out of 8.5 overall. The fee side is simpler still. The origination fee is 0 EUR and the fee percentage is 0%, so nothing is added to the loan simply for taking it out. The caution worth holding is that Cashspace ES is a broker, so the rate you are finally offered comes from the partner lender rather than the brand you applied through. A 0% headline marks the lowest advertised rate in the ranking, not the rate you will necessarily pay.

Who runs it

The legal entity behind the site is Fininity OU, and its headquarters country is EE. That matters because a broker relationship is a thinner one than a direct lending relationship: you apply with one company and end up with a loan from a partner, so the terms that bind you are the partner's, not the ones you read while browsing. Support is available on email and phone, which means email and phone. Both are real channels rather than a message box alone, and phone support is the more useful of the two for anything urgent, such as a payment date or a query about a repayment. The wider personal loan market lists a help centre and live chat for many of its brands, so if being able to type to someone matters to you, that is a reason to look elsewhere. There is no regulator or licence named for this service, so the money moves from a partner lender rather than from a firm you can name as your lender. Ask the partner for its own licence details before you sign, and check the cost figures in the offer you are actually given.

How Cashspace ES compares

Where Cashspace ES is available

Available
Spain

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

Frequently asked questions

What will a loan from Cashspace ES cost me?+

The advertised rate is an APR of 0%, which is the lowest figure in the ranking, and the origination fee is 0 EUR with a fee percentage of 0%. Because the brand works as a broker, the final rate is set by the partner lender, so read the offer you are given rather than relying on the headline alone.

How much can I borrow?+

The amount runs €100 to €5,000, which places this brand in the smaller part of the market on this measure. Its rank on loan amount is 511 out of 665 brands, so if you need a large sum for a deposit or a vehicle, this is not the place to shop.

How fast can I get the money?+

Same-day funding is listed as a feature, and most approved applicants are told to expect their money on the day they apply, sometimes within minutes. The amount ceiling of €100 to €5,000 is what makes that speed realistic here, so it suits urgent, modest costs.

Will applying damage my credit file?+

The credit check is soft prequal, so an initial quote does not leave the kind of mark a full application would. A hard search is only likely once you accept a partner's offer, and the credit bar for approval is poor, so this route is aimed at thinner credit files.

Is my money protected by a deposit guarantee scheme?+

No regulator or licence is named for this service, and it operates as a broker rather than a named lender. Once an offer is accepted, your agreement is with the partner lender, so ask that lender directly for its licence and for any protection that applies to your repayments.

Can I borrow more than once after I have a loan?+

The loan types listed are personal and credit line, so you can pick a personal loan for a one-off cost or a credit line that you draw on repeatedly. A personal loan is repaid on a fixed schedule, while a credit line stays available until you close it, which suits costs that arrive unpredictably.

Who can apply?+

The eligibility criteria are 18+; Spain, so you need to be an adult and resident in Spain to be considered. Applicants outside Spain, or under the minimum age, would need a lender that covers their own market rather than this one.

How do I get help if something goes wrong?+

Support runs on email and phone, meaning email and phone. For anything urgent, such as a payment date or a disputed charge, the phone channel is the quicker route, and the wider personal loan market lists a help centre and live chat for many of its brands if you prefer typing to an agent.

Sources

  • cashspace.es checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Features, Funding time, Lender type, Loan types, Origination fee (%)

    “Personal loans go from 100 EUR to 5,000 EUR”

  • cashspace.es/privacy-policy checked September 26, 2026

    Backs: Support channels

    “There are several ways to contact us, including by email or post ... Email: compliance@cashspace.es ... Phone: 900 293 183”

  • cashspace.es/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Eligibility, Headquarters, Legal entity, Arrangement fee

    “we transfer your personal data from the questionnaire to our partners so they can check your creditworthiness and provide you with loan offers ... you then continue on the selected partner's website...”

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

Not confirmed yet: Term, Representative example.

Cashspace ES

Cashspace ES

Adults in Spain who need a small same-day loan or credit line and want no setup fee.

8.9/10Visit