Updated September 28, 2026 · SumCue Editorial Team
Finteres vs Youmoney
Finteres
Higher score in this comparison
Youmoney
Where Finteres and Youmoney differ
| Compare | FinteresReviewVisitVisit | YoumoneyReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 25.28% to 72.19% |
| Loan amount | €100 to €5,000 | PLN 100 to PLN 10,000 |
| Term | 3 to 4 months | 24 monthsHigher |
| Arrangement fee | 0 EUR | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| 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 | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Origination fee (%) | 0%Lower | 33.76% |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal, Payday, Debt consolidation |
Same on both: Lender type (Broker), Free early repayment (Yes), 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
- Finteres scores higher overall: 8.9 vs 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Finteres: 0% to 36% vs 25.28% to 72.19%.
- Origination fee (%) is lower at Finteres: 0% vs 33.76%.
- Term is higher at Youmoney: 24 months vs 3 to 4 months.
- Support channels: only Youmoney offers Chat.
- Pricing model: only Finteres offers No monthly fee.
- Pricing model: only Youmoney 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.
Youmoney
Youmoney is a Polish loan broker built for people with a thin credit file who need money the same day. It suits borrowers who accept a hard credit check and a high cost, since its APR of 25.28% to 72.19% sits far above the personal loan median of 14.43%. Early repayment carries no charge.
Score breakdown
| Area | Finteres | Youmoney |
|---|---|---|
| Cost | 9.5HigherArrangement fee of 0 EUR and a monthly fee of €0, with an 0% to 36% range starting below the 14.43% median. | 8.6APR of 25.28% to 72.19% against a personal loan median of 14.43%, with an origination charge of 33.76% on the instalment example. |
| Offer | 8.8 | 9.2HigherA broker covering personal, payday and debt consolidation, with fixed-rate lending, same-day funding and a 24 term on offer. |
| Trust | 8.5Higher | 8.3 |
Positions in our rankings
| Ranking | Finteres | Youmoney |
|---|---|---|
| Loans | 32 of 2043 | 36 of 2043 |
| Personal loans | 26 of 1317 | 30 of 1317 |
| Payday and short-term loans | 13 of 233 | 15 of 233 |
From lowest to highest
| Fact | Finteres | Youmoney |
|---|---|---|
| APR | 0% to 36% | 25.28% to 72.19% |
Choosing between them
Pick Finteres if cost, apr, origination fee (%), and loan types matter most.
Pick Youmoney if offer and term matter most.
Every fact side by side
| Fact | Finteres | Youmoney |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Findao sp. z o.o. |
| Headquarters | Estonia | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Email, Phone, Help centre | Chat, Email, Phone, Help centreCovers more |
Savings
| Fact | Finteres | Youmoney |
|---|---|---|
| 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 | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 25.28% to 72.19%highest quarter | 9.99 |
| Term | 3 to 4 monthslowest quarter | 24 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 33.76%highest quarter | 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
Youmoney
Pros
- Any income source counts, from employment and self-employment to pension, allowance and alimony, so applicants are not tied to one form of earnings.
- Lenders release money in minutes with the quickest of them, usually within hours and at worst by the end of the next business day.
- Early repayment costs nothing, so a borrower who can clear the balance early pays less interest.
Cons
- The instalment example carries an origination charge of 33.76% of the amount borrowed, a cost that sits in the price from the first instalment.
- APR runs 25.28% to 72.19%, well above the personal loan median of 14.43% and the payday median of 36.5%.
- Applications run a hard credit check, so a declined application can be recorded on the credit file.
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
Youmoney
Who it suits
- Polish residents with a bank account and a Polish ID who need cash quickly rather than a low rate
- Borrowers whose income is a pension, allowance or alimony as well as a salary
- People with a poor credit file, because poor means the market accepts thin credit histories
Who should look elsewhere
- Anyone wanting a long cheap loan, since 24 is the only term on offer and 25.28% to 72.19% is high
- Borrowers who want a soft pre-application check rather than the hard credit check listed under hard
- Households that need to borrow a large sum, because PLN 100 to PLN 10,000 is the ceiling
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
Youmoney
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Finteres | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| 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.
Youmoney
What APR will I pay on a Youmoney loan?+
APR runs 25.28% to 72.19% across the products offered. For context, the median APR on our personal loan data is 14.43%, so the difference is large. The instalment example sits well above that median as well.
What does Youmoney charge for arranging a loan?+
The instalment-loan representative example includes a commission of 33.76% of the amount borrowed, charged alongside the interest. On top of that sits the interest itself, at a fixed rate across a term of 24. The total repayable is what matters, not the rate alone.