Updated October 14, 2026 · SumCue Editorial Team
Finteres vs Pezetita
Finteres
Higher score in this comparison
Pezetita
What sets them apart
| Compare | FinteresReviewVisitVisit | PezetitaReviewVisitVisit |
|---|---|---|
| Arrangement fee | 0 EUR | 0 EUR (no loan selection fee charged) |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | Money transferred shortly after lender approval, within minutes |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) |
| Rate type | Variable | Fixed |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | 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 |
| Credit check | Soft prequal | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Term (3 to 4 months), 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
- Support channels: only Finteres offers Phone.
- Pricing model: only Finteres offers No monthly fee.
- Pricing model: only Pezetita offers Fixed rate.
- Loan types: only Finteres offers Car.
Our verdict on each
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.
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 | Finteres | Pezetita |
|---|---|---|
| Cost | 9.5Arrangement fee of 0 EUR and a monthly fee of €0, with an 0% to 36% range starting below the 14.43% median. | 9.7Higher |
| Offer | 8.8Higher | 8.6 |
| Trust | 8.5 | 8.5 |
Ranges side by side
| Fact | Finteres | Pezetita |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Loan amount | €100 to €5,000 | €100 to €5,000 |
| Term | 3 to 4 months | 3 to 4 months |
Sources behind this comparison
Finteres
- finteres.es: 19 facts, checked September 26, 2026
Pezetita
- pezetita.com: 16 facts, checked September 26, 2026
How they place
| Ranking | Finteres | Pezetita |
|---|---|---|
| Loans | 32 of 2043 | 20 of 2043 |
| Personal loans | 26 of 1317 | 16 of 1317 |
| Payday and short-term loans | 13 of 233 | 5 of 233 |
Every fact side by side
| Fact | Finteres | Pezetita |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Fininity OÜ (registry number 14523902, VAT ID EE102112841) |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Phone, Help centreCovers more | Email, Help centre |
Savings
| Fact | Finteres | Pezetita |
|---|---|---|
| Headline rate | 0% to 36% | Not confirmed |
| Minimum deposit | €100 | Not confirmed |
| Access terms | Free online comparison and pre-application service, available 24 hours a day, 7 days a week, no branches or paperwork | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Fixed | Not confirmed |
Where each stands against the rest
| Fact | Finteres | Pezetita | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €100 to €5,000below the median | €40,000 |
| Term | 3 to 4 monthslowest quarter | 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
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
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
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
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
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
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 | Finteres | Pezetita |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
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.