Updated September 28, 2026 · SumCue Editorial Team
Finipay vs Finteres
Finipay
Higher score in this comparison
Finteres
What sets them apart
| Compare | FinipayReviewVisitVisit | FinteresReviewVisitVisit |
|---|---|---|
| APR | 0% to 212% | 0% to 36% |
| Loan amount | €300 to €5,000 | €100 to €5,000 |
| Term | 3 to 60 monthsHigher | 3 to 4 months |
| Funding time | Under 24 hours | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Representative example | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Lender type (Broker), Origination fee (%) (0%), Loan types (Personal, Payday, Debt consolidation, Car), Credit needed (Poor).
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
- Finipay scores higher overall: 9.0 vs 8.9.
- Term is higher at Finipay: 3 to 60 months vs 3 to 4 months.
Our verdict on each
Finipay
Finipay suits Spanish residents with poor credit who need a small personal loan, with amounts from €300 to €5,000 and funding Under 24 hours. It is a broker rather than a lender: nothing is charged to open the loan, but the rate it quotes is the number to weigh against cheaper Spanish lenders.
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 | Finipay | Finteres |
|---|---|---|
| Cost | 9.7HigherAPR runs 0% to 212% and the representative example leaves the total repayable well above the amount borrowed. | 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 | 8.9Higher | 8.8 |
| Trust | 8.5 | 8.5 |
How they place
| Ranking | Finipay | Finteres |
|---|---|---|
| Loans | 22 of 2043 | 32 of 2043 |
| Personal loans | 18 of 1317 | 26 of 1317 |
| Payday and short-term loans | 7 of 233 | 13 of 233 |
Availability and regulation
Available in 1 country for both.
Also worth a look
Sofkredit has term at 6 to 240 months, against 3 to 60 months for Finipay and 3 to 4 months for Finteres.
Sofkredit reviewWhat we checked
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Finteres
- finteres.es: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | Finipay | Finteres |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Savings
| Fact | Finipay | 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 | Finipay | Finteres | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 36%lowest quarter | 9.99 |
| Loan amount | €300 to €5,000below the median | €100 to €5,000below the median | €40,000 |
| Term | 3 to 60 monthsat the median | 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
Finipay
Pros
- The origination fee is 0 EUR with 0% charged as a percentage, so no entry cost comes off the amount you borrow.
- Money reaches your account Under 24 hours, so a bill or an emergency does not wait on a long assessment.
- The credit needed is poor, so a thin file does not rule you out on paper.
Cons
- The rate is the weak spot: 0% to 212% runs well past the 10.74% to 18.06% that Sofkredit quotes in Spain.
- Finipay is a broker, so the final rate, the contract and the repayment terms sit with whichever partner lender accepts your application.
- Borrowing is capped: €300 to €5,000 and terms of 3 to 60 put anything larger out of reach, where Creduma ES starts at from €12,000.
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
Finipay
Who it suits
- Adults who are residents of Spain with a DNI or NIE and a Spanish bank account held in their own name, who can show a mobile number and email.
- Borrowers with a poor credit file who need cash in a hurry and cannot wait for a mainstream bank's assessment.
- People who want personal, payday, debt consolidation or car borrowing arranged in one application and who will not be charged to open it.
Who should look elsewhere
- Anyone chasing a low, predictable rate: Sofkredit quotes 10.74% to 18.06% against Finipay's 0% to 212%.
- Anyone borrowing a larger sum, since Creduma ES starts at from €12,000, well above €300 to €5,000.
- Anyone who prices options across currencies: Cashspace quotes PHP 12 to PHP 36, so the two ranges are not like for like.
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
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
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 | Finipay | Finteres |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finipay
What rate will I pay on a Finipay loan?+
Finipay quotes 0% to 212% across the loans it brokers, which is a wide band rather than a single rate. The rate you pay is set by whichever partner lender accepts your application, so treat the top of that range as a realistic worst case. The published example is the clearest guide to what borrowing actually costs.
Is there a fee to open the loan?+
The origination fee is 0 EUR, with 0% charged as a percentage, so no entry cost is deducted from the amount you borrow. Cost still comes through the rate, not the opening charge, which is why 0% to 212% matters more here than the fee line.
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.