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Finandos review

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

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Our verdict

Finandos is a broker that matches borrowers with lenders, starting with a soft prequalification (soft prequal) so a thin credit file does not rule you out. The catch is the price: 30% to 365% sits far above the 15.5% of the wider market, plus a fee per monthly service period.

Key facts

Best for
Adults with a thin credit file who need a small bridge between paydays and can absorb a costly rate.
APR
30% to 365%↗
Loan amount
€500 to €10,000↗
Term
12 to 120 months↗
Arrangement fee
EUR 29.99 per 30-day service period (plus EUR 0.99 for a 3-day trial)↗
Credit check
Soft prequal↗
Lender type
Broker↗
Eligibility
Age 18+ (up to 75); valid ID, mobile phone, bank card and account↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
UAB GLOBAL AD LINKS↗
Headquarters
Lithuania↗
Support channels
Email, Phone, Help-centre↗
Official website
finandos.com

Facts checked September 26, 2026, 6 sources

Pros and cons

Pros

  • Credit needed is poor and the first look is a soft prequal, so a thin file does not close the door.
  • Loan types of personal and payday cover both a short bridge and a longer personal loan.
  • The range of €500 to €10,000 over 12 to 120 keeps a small repayment sized to the month.
  • Support runs by email, phone and help centre, giving written answers as well as phone.

Cons

  • The rate of 30% to 365% runs well above the 15.5% across the wider market.
  • A fee per monthly service period, plus a small charge on the trial, is heavy on a small loan.
  • As a broker, the final rate belongs to the lender who takes the case, so 30% to 365% is a range rather than a quote.
Finandos

Ready to try Finandos?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • Adults with a thin credit file who need a short bridge between paydays.
  • Anyone already holding valid ID, a mobile phone, a bank card and a bank account.
  • Borrowers who can absorb 30% to 365% and a fee per monthly service period without it becoming the whole cost.

Who should look elsewhere

  • Not for price sensitive borrowers: Sofkredit lists 10.74% to 18.06%, far below Finandos.
  • Not for larger sums: Creduma ES runs from from €12,000.
  • Not for anyone comparing a single market in a single currency: Cashspace's PHP 12 to PHP 36 sits elsewhere.

The company behind it

Behind Finandos sits UAB GLOBAL AD LINKS, the legal entity named in the offer documents, registered in Lithuania. Applications run through that company, and day to day questions reach the team by email, phone and help centre. A help centre sits alongside email and phone, so written answers are available when a call is not convenient.

How Finandos compares

Frequently asked questions

What will Finandos cost me?+

Finandos charges a fee per monthly service period, with a small extra charge on the short trial. The annual rate runs 30% to 365%. Both sit well above a mainstream personal loan, so a small loan over a short period loses a heavy share to fees.

Who can borrow from Finandos?+

Finandos lends to adults within a stated age range who hold valid ID, a mobile phone, a bank card and a bank account. The document list is fixed, so a missing card or account rules an applicant out early, and poor keeps the credit bar low.

What does a soft prequalification mean for my credit file?+

Finandos starts with a soft prequalification (soft prequal), which reads your file without leaving a hard search behind it. That matters for applicants with a thin record, because the stated requirement is poor and the first look carries the least weight.

How much can I borrow and for how long?+

Borrowing runs €500 to €10,000 over 12 to 120, and personal and payday covers both the short and the longer form. That covers a gap to the next payday as well as a planned purchase, though the smallest amounts carry the heaviest fee share.

Is Finandos the lender or a middleman?+

Finandos works as a broker, so it introduces applicants to lenders rather than carrying the debt itself. 30% to 365% therefore reads as the range in the market, and what an individual applicant is offered depends on the lender that takes the case.

Who is behind Finandos and how do I get help?+

The contracts are issued by UAB GLOBAL AD LINKS, registered in Lithuania. Assistance comes through email, phone and help centre, so a question about a repayment date or a fee can be put in writing or raised by phone before you take on more debt.

How does Finandos price against the alternatives?+

The wider market's median APR here is 15.5%, and Finandos runs 30% to 365%. Sofkredit's 10.74% to 18.06% is closer to that market rate, while Cashspace's PHP 12 to PHP 36 belongs to a different market. 3 alternatives sit alongside Finandos, and price is the reason to look past it.

What score does Finandos get on offer?+

Finandos scores 5.6 on the offer measure, the part of the rating that weighs rate, amount and fee together. A middle of the pack score fits a service built for access rather than value.

Sources

  • finandos.com/en checked September 26, 2026

    Backs: Loan amount, Credit needed, Eligibility, Headquarters, Term

    “Receive from 500 EUR to 10000 EUR”

  • finandos.com/en/contact-us checked September 26, 2026

    Backs: Support channels

    “Our support team is here to assist you however possible.”

  • finandos.com/en/faq checked September 26, 2026

    Backs: Credit check, Lender type

    “you will be provided with a personal financing program which is formed based on the credit history and delays”

  • finandos.com/en/public-offer checked September 26, 2026

    Backs: Legal entity

    “UAB GLOBAL AD LINKS”

  • finandos.com/en/tariff-and-refund checked September 26, 2026

    Backs: Arrangement fee

    “Trial Period: EUR 0.99 for 3 calendar days. Standard Period: EUR 29.99 will be billed every 30 days.”

  • finandos.com/es checked September 26, 2026

    Backs: APR, Loan types

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Finandos

Finandos

Adults with a thin credit file who need a small bridge between paydays and can absorb a costly rate.

8.7/10See alternatives