Start with the total you will repay
Short-term loans look small and simple, and the gap between two offers usually comes down to a single figure: the annual percentage rate. Across the products on our Payday and short-term loans page, amounts run €1.75 to €58,454.18, annual percentage rates run 0% to 82,901.36%, and repayment periods run 1 to 360. A spread that wide is normal in this market, so your job is to find the end of the range you can actually carry.
Write down three things before you read any headline: the amount you need, the shortest period you can manage, and the most you can afford in total. Then compare the smallest useful balance on each offer, because a small loan is easier to clear than a large one. The amounts on offer are PHP 500 to PHP 25,000 at Cashspace, €100 to €5,000 at Andacredito and €500 to €50,000 at Creditilia ES.
Know whether a broker or a lender is behind the offer
Cashspace is a broker and Andacredito is a broker. A broker matches you with a lender rather than lending from its own balance sheet, so the contract and the repayment terms sit with the lender behind the offer, and the terms you are shown depend on which lender responds.
Both operate under the same legal entity, Fininity OU for Cashspace and Fininity OU for Andacredito, and both are registered in EE and EE respectively. That structure is worth knowing because your repayment duty runs to a named lender, not to the site that introduced you to it.
The product menus also tell you what each broker will consider. Cashspace offers personal, payday and credit line, while Andacredito covers personal, payday and car. Ask for the exact product before you apply, since a line of credit and a single repayment behave very differently in practice.
Fees are only the entry charge
An origination fee is charged when the loan is set up, and two of the brands here list none: 0 EUR and 0% at Andacredito, and 0 at Cashspace. Read that as a clean start, not as a free loan. The real cost of a payday loan sits in the rate and in the short term.
Andacredito allows free early repayment, so settling the balance sooner brings the cost down. That is worth more than a fee waiver when you are not sure how long the money will be needed.
The representative examples show the shape of the cost. Andacredito's own example describes a modest euro loan repaid over a short period at no cost, so the total repayable is the amount borrowed. Cashspace's example takes a larger peso loan over a short repayment term, and the total payable comes back above the amount borrowed. Neither is your own price, but both make the same point: on a short loan, most of what you pay is interest rather than fee.
Read the rate, and check what it applies to
Cashspace shows PHP 12 to PHP 36 on PHP 500 to PHP 25,000 repaid over 2 to 4. Andacredito quotes 0% to 36% on a variable rate for €100 to €5,000 over 2 to 3. A variable rate can move, so treat the figure on the offer letter as the one that binds you, not the one on the marketing page.
Creditilia ES shows the widest spread of the three, 4% to 289% across €500 to €50,000, so the exact product behind an offer matters more here than anywhere else. Keep short-term borrowing in its own column, separate from anything secured and long, and judge each against other loans of the same kind rather than against a single headline number.
Who can apply, and what gets checked
All three brands work with a weak credit profile rather than a perfect one, listed as poor credit by Cashspace, poor by Andacredito and poor by Creditilia ES. A hard search is what turns that tolerance into a decision, and Cashspace and Creditilia ES both run hard and hard credit checks respectively.
The entry rules are simple to check against your own situation. Cashspace asks for Applicants in the Philippines, valid ID required. Andacredito asks for 18 or older, bank account in Spain, ability to repay. Creditilia ES works mainly with people resident in Spain and checks identification, taking a national identity card or a passport. Before you send an application, confirm you can clear the identification step, because a failed check wastes a credit search.
Payout speed and where help comes from
Speed matters when the alternative is a missed bill, and it is easy to compare. Andacredito puts 10 minutes on its payout. Cashspace states that money can arrive within minutes and that most approved applicants are paid on the same day. Creditilia ES promotes same-day funding on its short-term product. A fast payout is a convenience, never a reason to accept a rate you cannot repay.
Support after you sign matters just as much. Cashspace offers email, help centre and community, while Andacredito offers email. Note which channel you have before the first repayment date, and keep the lender's own contact details, since a broker is an intermediary and the lender holds the contract.
A shortlist you can act on today
Read the Payday and short-term loans ranking first, then open the individual reviews: Andacredito for the cleanest fee profile on a variable rate, Cashspace for a fast payout on a peso loan, and Creditilia ES for the widest spread of rates and amounts to check against. Fidea is another Spanish profile worth reading in the same sitting.
Compare in the same order every time: total cost first, then eligibility and the credit check, then payout speed, then support. Keeping the order fixed makes the last offer easy to judge, and keeps a large headline amount from outweighing a rate you cannot carry.