Updated September 28, 2026 · SumCue Editorial Team
Finteres vs Youmoney ES
Finteres
Youmoney ES
Higher score in this comparison
Finteres vs Youmoney ES: the differences
| Compare | FinteresReviewVisitVisit | Youmoney ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | 0% to 349% |
| Loan amount | €100 to €5,000Higher | €50 to €1,000 |
| Term | 3 to 4 months | 0.23 to 36 monthsHigher |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | 15 minutes to 24 hours |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | 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 |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Arrangement fee (0 EUR), Rate type (Variable), 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
- Youmoney ES scores higher overall: 9.0 vs 8.9.
- Loan amount is higher at Finteres: €100 to €5,000 vs €50 to €1,000.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 3 to 4 months.
- Support channels: only Finteres offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Finteres offers Debt consolidation, Car.
- Loan types: only Youmoney ES offers Secured.
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 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 | Finteres | Youmoney ES |
|---|---|---|
| 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. | 9.9Higher |
| Offer | 8.8Higher | 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 |
Where each is licensed and available
Available in 1 country for both.
Ranges side by side
| Fact | Finteres | Youmoney ES |
|---|---|---|
| APR | 0% to 36% | 0% to 349% |
| Loan amount | €100 to €5,000 | €50 to €1,000 |
| Term | 3 to 4 months | 0.23 to 36 months |
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 4 months for Finteres and 0.23 to 36 months for Youmoney ES.
Sofkredit reviewWhere these facts come from
Finteres
- finteres.es: 19 facts, checked September 26, 2026
Youmoney ES
- youmoney.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Finteres | Youmoney ES |
|---|---|---|
| Loans | 32 of 2043 | 35 of 2043 |
| Personal loans | 26 of 1317 | 29 of 1317 |
| Payday and short-term loans | 13 of 233 | 14 of 233 |
Every fact side by side
| Fact | Finteres | Youmoney ES |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Findao Sp. z o.o. |
| Headquarters | Estonia | Poland |
| Support channels | Email, Phone, Help centre | Email, Chat, Help centre |
Savings
| Fact | Finteres | Youmoney ES |
|---|---|---|
| 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 ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 349%lowest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €50 to €1,000lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 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
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 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
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 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
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 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 | Finteres | Youmoney ES |
|---|---|---|
| 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 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.