Updated September 28, 2026 · SumCue Editorial Team
Finipay vs Youmoney ES
Finipay
Higher score in this comparison
Youmoney ES
Where Finipay and Youmoney ES differ
| Compare | FinipayReviewVisitVisit | Youmoney ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 212% | 0% to 349% |
| Loan amount | €300 to €5,000Higher | €50 to €1,000 |
| Term | 3 to 60 monthsHigher | 0.23 to 36 months |
| Funding time | Under 24 hours | 15 minutes to 24 hours |
| 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% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday, Debt consolidation, Car | Personal, Payday, Secured |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Lender type (Broker), 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
- Loan amount is higher at Finipay: €300 to €5,000 vs €50 to €1,000.
- Term is higher at Finipay: 3 to 60 months vs 0.23 to 36 months.
- Support channels: only Finipay offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Finipay offers Debt consolidation, Car.
- Loan types: only Youmoney ES offers Secured.
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.
Youmoney ES
Youmoney ES suits Spanish adults with a weak credit file who need a small sum the same day and accept matching through a broker rather than a named lender. It scores 2 out of ten on offer quality, and the cost on a short loan leaves room for cheaper rates.
Score breakdown
| Area | Finipay | Youmoney ES |
|---|---|---|
| Cost | 9.7APR runs 0% to 212% and the representative example leaves the total repayable well above the amount borrowed. | 9.9Higher |
| Offer | 8.9Higher | 8.6APR runs 0% to 349% on a variable rate, the origination fee is 0 EUR, and the example cost is steep. |
| Trust | 8.5 | 8.5 |
From lowest to highest
| Fact | Finipay | Youmoney ES |
|---|---|---|
| APR | 0% to 212% | 0% to 349% |
| Loan amount | €300 to €5,000 | €50 to €1,000 |
| Term | 3 to 60 months | 0.23 to 36 months |
Also worth a look
Oney Prestamos has loan amount at €1,000 to €45,000, against €300 to €5,000 for Finipay and €50 to €1,000 for Youmoney ES.
Oney Prestamos reviewSources behind this comparison
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Youmoney ES
- youmoney.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Finipay | Youmoney ES |
|---|---|---|
| Loans | 22 of 2043 | 35 of 2043 |
| Personal loans | 18 of 1317 | 29 of 1317 |
| Payday and short-term loans | 7 of 233 | 14 of 233 |
Every fact side by side
| Fact | Finipay | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Findao Sp. z o.o. |
| Headquarters | Estonia | Poland |
| Support channels | Phone, Email, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Finipay | Youmoney ES | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 349%lowest quarter | 9.99 |
| Loan amount | €300 to €5,000below the median | €50 to €1,000lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 0.23 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 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.
Youmoney ES
Pros
- The origination fee is 0 EUR, so the borrowed amount is what reaches the account with nothing added on top.
- Funding runs 15 minutes to 24 hours, and same day funding is listed, which suits a bill with a fixed date attached.
- The credit profile asked for is poor, so a weaker file is the target here rather than a barrier.
Cons
- The representative example shows a short loan costing a large share of the sum borrowed, and the headline 0% to 349% range does not describe that.
- The credit check is hard and the credit profile asked for is poor, so a thin file is judged on a full search rather than a soft one.
- It is a broker, so the lender behind any matched offer is not named at the point of application.
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.
Youmoney ES
Who it suits
- Spanish residents holding a DNI or NIE, a Spanish bank account and a phone number who need a small sum quickly.
- Borrowers with a weaker credit file, since the profile asked for is poor and the check is hard.
- People comfortable with variable pricing and a broker match rather than naming their lender.
Who should look elsewhere
- Borrowers who want a named lender to hold to a contract should look past a broker match, and note that Creduma ES lists amounts as from €12,000 for a very different size of need.
- Price sensitive shoppers should compare first, because Sofkredit lists 10.74% to 18.06% against the 0% to 349% range here.
- Readers shopping outside Spain should skip this comparison, as Cashspace lists PHP 12 to PHP 36 in a different currency and market.
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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Finipay | Youmoney ES |
|---|---|---|
| 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.
Youmoney ES
What will a loan from Youmoney ES cost me?+
The origination fee is 0 EUR, so nothing is added to the amount you borrow. The annual percentage rate runs 0% to 349% and the rate type is variable, so the figure can move over the life of the loan. The representative example shows a small loan over a short term costing a large share of the principal, and that is the number to budget around.
Are rates like these normal for small short loans?+
Across the loans on this comparison site the retail loss share runs 70.15% at the midpoint, with 40.3% to 88% across the full spread. Loss shares at that level point to a market where missed repayments are common, so the example cost on a short term loan deserves a proper budget before you sign.