Updated October 14, 2026 · SumCue Editorial Team
Finipay vs Pezetita
Finipay
Higher score in this comparison
Pezetita
Finipay vs Pezetita: the differences
| Compare | FinipayReviewVisitVisit | PezetitaReviewVisitVisit |
|---|---|---|
| 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 |
| Arrangement fee | 0 EUR | 0 EUR (no loan selection fee charged) |
| Funding time | Under 24 hours | Money transferred shortly after lender approval, within minutes |
| 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% | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal, Payday, Debt consolidation |
| Rate type | Not confirmed | Fixed |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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
- Finipay scores higher overall: 9.0 vs 8.9.
- Term is higher at Finipay: 3 to 60 months vs 3 to 4 months.
- Support channels: only Finipay offers Phone.
- Loan types: only Finipay offers Car.
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.
Pezetita
Pezetita is a Spanish-language loan comparison service. Its site presents loan offers from partner lenders and says the service does not charge users for selecting an offer. The homepage advertises short-term amounts and repayment periods, while its terms identify Fininity OÜ as the website operator and say the site collects information on partner credit offers....
Score breakdown
| Area | Finipay | Pezetita |
|---|---|---|
| Cost | 9.7APR runs 0% to 212% and the representative example leaves the total repayable well above the amount borrowed. | 9.7 |
| Offer | 8.9Higher | 8.6 |
| Trust | 8.5 | 8.5 |
What each covers
| Loan types | Finipay | Pezetita |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | No |
Availability and regulation
Available in 1 country for both.
How they place
| Ranking | Finipay | Pezetita |
|---|---|---|
| Loans | 22 of 2043 | 20 of 2043 |
| Personal loans | 18 of 1317 | 16 of 1317 |
| Payday and short-term loans | 7 of 233 | 5 of 233 |
Every fact side by side
| Fact | Finipay | Pezetita |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Fininity OÜ (registry number 14523902, VAT ID EE102112841) |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Finipay | Pezetita | 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.
Pezetita
Pros
- The homepage presents a comparison flow for partner loan offers.
- The site says it does not charge a fee for selecting an offer.
- The homepage displays an example repayment period and APR range for users to compare.
Cons
- Partner lenders determine the final rate, fees and eligibility.
- The advertised first-loan example does not guarantee the same offer for each borrower.
- Users should compare the final lender contract and total repayment.
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.
Pezetita
Who it suits
- Borrowers in Spain who want to compare partner credit offers through an online service.
Who should look elsewhere
- Borrowers looking for Pezetita itself to provide or approve a loan.
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
Pezetita
Current offer
First period offer
First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days
New customers only; the interest rate and overpayment amount may change after completing the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Finipay | Pezetita |
|---|---|---|
| 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.
Pezetita
Does Pezetita lend directly?+
The site’s terms describe a service that presents offers from partner lenders.
Is the first loan free for everyone?+
The homepage advertises an example for new customers, but eligibility and the final lender offer must be confirmed.