Updated September 29, 2026 · BorrowCue Editorial Team
5in5 vs Andacredito
What sets them apart
| Compare |  5in5 |  Andacredito |
|---|---|---|
| Loan amount | €5,000 | €100 to €5,000 |
| Term | 0.5 to 24 monthsHigher | 2 to 3 months |
| Arrangement fee | One-off fee deducted from payout | 0 EUR |
| Funding time | Same day up to 1 business day | 10 minutes |
| Lender type | Direct lender | Broker |
| Eligibility | Sole proprietorship or single-owner BV registered with KvK with a business account | 18 or older, bank account in Spain, ability to repay |
| Loan types | Business, Bridging | Personal, Payday, Car, Business, Student, Debt consolidation |
| APR | Not confirmed | 0% to 36% |
| Representative example | Not confirmed | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | 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.
Key differences
- 5in5 scores higher overall: 9.4 vs 8.7.
- Term is higher at 5in5: 0.5 to 24 months vs 2 to 3 months.
- Loan types: only 5in5 offers Bridging.
- Loan types: only Andacredito offers Personal, Payday, Car.
Our verdict on each
5in5
5in5 suits Dutch sole traders and single owner firms seeking brief business cover paid in Same day up to 1 business day. You receive €5,000 with terms that run 0.5 to 24, backed by support through email, phone and help centre from 5in5 BV.
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
Score breakdown
| Area | 5in5 | Andacredito |
|---|---|---|
| Cost | Not confirmed | 9.5 |
| Offer | 9.4HigherOffer reflects payout in Same day up to 1 business day with terms that run 0.5 to 24 | 8.3 |
| Trust | 9.3HigherTrust reflects operation as 5in5 BV based in NL | 8.3 |
Ranges side by side
| Fact | 5in5 | Andacredito |
|---|---|---|
| Term | 0.5 to 24 months | 2 to 3 months |
Availability and regulation
Additional countries for 5in5: 1. Additional countries for Andacredito: 1.
A third option
Sofkredit has term at 6 to 240 months, against 0.5 to 24 months for 5in5 and 2 to 3 months for Andacredito.
Sofkredit reviewSources behind this comparison
5in5
- 5in5.nl: 8 facts, checked September 29, 2026
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
How they place
| Ranking | 5in5 | Andacredito |
|---|---|---|
| Business loans | 3 of 435 | 2 of 435 |
Every fact side by side
| Fact | 5in5 | Andacredito |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | Fininity OU |
| Headquarters | Not confirmed | Estonia |
| Support channels | Not confirmed |
Where each stands against the rest
| Fact | 5in5 | Andacredito | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 0.5 to 24 monthslowest quarter | 2 to 3 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
5in5
Pros
- Payout in Same day up to 1 business day helps when timing matters for stock or invoices
- Fixed ticket of €5,000 keeps budgeting clear for short dated needs
- Terms that run 0.5 to 24 suit brief gaps rather than extended debt
Cons
- Fixed amount of €5,000 may feel tight next to Qonto with €150 to €100,000 for larger projects
- Terms that run 0.5 to 24 require swift repayment compared with longer business facilities
- Support through email, phone and help centre lacks chat, which some borrowers may prefer
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
Who each suits
5in5
Who it suits
- Sole businesses needing €5,000 may prefer 5in5 over Qonto with €150 to €100,000 when the need is modest
- Firms valuing payout in Same day up to 1 business day may prefer 5in5 over Sofkredit with €12,000 to €300,000
- Dutch traders based near NL may prefer local handling over Finmercado with MXN 500 to MXN 200,000
Who should look elsewhere
- Borrowers needing larger tickets than €5,000 may prefer Qonto with €150 to €100,000
- Borrowers seeking peso funding may prefer Finmercado with MXN 500 to MXN 200,000
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Country by country
| Country | 5in5 | Andacredito |
|---|---|---|
| Netherlands | Yes | No |
| Spain | No | Yes |
Questions about each
5in5
Who can apply for a loan from this lender+
You apply as a registered sole business with a business account and request €5,000. Terms run 0.5 to 24 and payout arrives in Same day up to 1 business day. The structure suits short dated needs where rapid settlement matters more than extended repayment.
How large is the loan and how long does it last+
The ticket is fixed at €5,000, so planning is simple but flexibility is limited. Terms run 0.5 to 24, which keeps the commitment short dated. Borrowers needing larger sums may compare Qonto with €150 to €100,000 before deciding.
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
Other options to compare
Other matchups
- Andacredito vs Arab Islamic Bank
- Andacredito vs Oney Préstamos ES
- 5in5 vs Sofkredit
- Andacredito vs Quick Car Finance
- Andacredito vs Prestamiau ES
- Andacredito vs Credityes
- Andacredito vs Fidea
- 5in5 vs Qonto ES
- Andacredito vs Me Presta MX
- 5in5 vs Lendela
- Andacredito vs Creditio
- 5in5 vs BriteCap Financial
- Andacredito vs Alt Lending
- 5in5 vs Novo
- 5in5 vs Nazivnost
- 5in5 vs Smartney
- Andacredito vs LEND.ch
- Andacredito vs Cool Credit
- Andacredito vs Moneyveo VN