Updated September 29, 2026 · SumCue Editorial Team
CreditoZen vs Finteres
CreditoZen
Higher score in this comparison
Finteres
Where CreditoZen and Finteres differ
| Compare | CreditoZenReviewVisitVisit | FinteresReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €2,000 | €100 to €5,000Higher |
| Term | 3 months | 3 to 4 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | under 24 business hours | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Loan types | Payday, Personal | Personal, Payday, Debt consolidation, CarCovers more |
| APR | Not confirmed | 0% to 36% |
| Representative example | Not confirmed | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Broker), Origination fee (%) (0%).
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.
Key differences
- Loan amount is higher at Finteres: €100 to €5,000 vs €100 to €2,000.
- Term is higher at Finteres: 3 to 4 months vs 3 months.
- Support channels: only Finteres offers Phone.
- Loan types: only Finteres offers Debt consolidation, Car.
Our verdict on each
CreditoZen
CreditoZen suits adults in Spain who need a short-term loan with no setup cost, since the origination fee is 0 EUR (no hidden fees). The trade-off is size and pace: €100 to €2,000 over 3, a hard credit check and under 24 business hours to pay out.
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 | CreditoZen | Finteres |
|---|---|---|
| Cost | 9.5The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, with no setup charge on either product type. | 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 | 8.6Amounts run €100 to €2,000 over a 3 term, a narrow range beside the from €12,000 and €12,000 to €300,000 of bigger lenders. | 8.8Higher |
| Trust | 8.5 | 8.5 |
Availability and regulation
Available in 1 country for both.
What we checked
CreditoZen
- creditozen.es: 12 facts, checked September 26, 2026
Finteres
- finteres.es: 19 facts, checked September 26, 2026
How they place
| Ranking | CreditoZen | Finteres |
|---|---|---|
| Loans | 11 of 2043 | 32 of 2043 |
| Personal loans | 8 of 1317 | 26 of 1317 |
| Payday and short-term loans | 1 of 233 | 13 of 233 |
Every fact side by side
| Fact | CreditoZen | Finteres |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Same day funding |
| Legal entity | Ban kos Technology OÜ | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Savings
| Fact | CreditoZen | 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 | CreditoZen | Finteres | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 9.99 |
| Loan amount | €100 to €2,000lowest quarter | €100 to €5,000below the median | €40,000 |
| Term | 3 monthslowest quarter | 3 to 4 monthslowest quarter | 60 months |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
CreditoZen
Pros
- The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so setting up the loan costs nothing on either product.
- Both payday and personal products sit inside €100 to €2,000, so a single application covers a payday loan and a personal loan.
- Payout runs under 24 business hours, short enough to cover a bill inside the working week.
Cons
- Support runs on email and help centre, with no phone line or live chat in that list.
- The term is 3 against a site median of 36, so repayments sit in a compressed window.
- The credit check is hard, and hard checks account for 76.1% of the borrowing group, so a full file decision stands in the way.
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
CreditoZen
Who it suits
- Adults in Spain covering a short gap, since €100 to €2,000 over 3 suits an urgent bill rather than the larger sums Sofkredit arranges at €12,000 to €300,000.
- Borrowers who want a known entry cost, since the origination fee is 0 EUR (no hidden fees) and the sum sought is small next to the from €12,000 at Creduma ES.
- Applicants who accept a hard credit check and prefer a Spanish-resident application rather than a brand working off PHP 500 to PHP 25,000 like Cashspace.
Who should look elsewhere
- Anyone consolidating debt or financing something large, since the €100 to €2,000 range stops well short of the from €12,000 at Creduma ES and the €12,000 to €300,000 at Sofkredit.
- Borrowers who want to talk to someone on the phone, because support runs on email and help centre only.
- Readers who want a lender in another market, since Cashspace works off PHP 500 to PHP 25,000 rather than the €100 to €2,000 offered to Spanish residents.
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
CreditoZen
Current offer
Bonus
Préstamo rápido al 0% de interés: 0% interest, loans up to EUR 2000
Approval and final terms depend on the selected lender
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 | CreditoZen | Finteres |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
CreditoZen
What does it cost to arrange a loan with CreditoZen?+
The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so nothing is added for setting up either product. Both product types, payday and personal, carry that same setup cost. Interest and repayment come from the partner that takes the application, since CreditoZen is a broker rather than the lender itself.
How much can I borrow and how long do I have to repay?+
Amounts run €100 to €2,000 and the term is 3, so the product is built for a small bridge rather than a large purchase. The products listed are payday and personal, both inside that range. The balance is spread across 3, so the schedule is short and the account closes quickly once it clears.
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.