Updated September 29, 2026 · BorrowCue Editorial Team

Acorn Finance vs Qonto ES

Acorn Finance scores 8.8 and Qonto ES 8.6 out of 10. Compare their differences and shared features below.

Acorn Finance

8.8/10

Facts checked September 26, 2026.

Qonto ES

8.6/10

Facts checked September 26, 2026.

Acorn Finance vs Qonto ES: the differences

Acorn Finance vs Qonto ES
Compare
Acorn FinanceAcorn Finance
ReviewSee alternativesSee alternatives
Qonto ESQonto ES
ReviewVisitVisit
APR6.99%Lower19.5%
Loan amount$1,000 to $100,000€750 to €1,000,000
Term24 to 240 monthsHigher1 to 12 months
Credit checkSoft prequalHard
Funding timeas soon as within one business dayAnswer within max 48 h, money in the Qonto account within a few days
Lender typeMarketplaceBroker
EligibilityUS nationwide; minimum credit score around 560; funds for home improvement expenses; contractors must be licensed and in good standingPragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required
Loan typesPersonal, Credit line, Secured, Debt consolidationBusiness, Credit line
Credit neededPoorGood
Arrangement fee0% on loans over $40,000; some lenders charge 1-6% on loans under $40,000Not confirmed
Representative example$10,000 over 84 payments of $161 at 8.94% interest rate and $0 feesNot confirmed
Free early repaymentYesNot confirmed
Origination fee (%)1% to 6%Not confirmed
Use casesHome improvementNot confirmed

Same on both: Rate type (Fixed).

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Key differences

  • Acorn Finance scores higher overall: 8.8 vs 8.6.
  • Qonto ES is licensed in 1 more country.
  • Qonto ES is available in 29 more countries.
  • APR is lower at Acorn Finance: 6.99% vs 19.5%.
  • Term is higher at Acorn Finance: 24 to 240 months vs 1 to 12 months.
  • Support channels: only Qonto ES offers Chat.
  • Features: only Acorn Finance offers Same day funding.
  • Loan types: only Acorn Finance offers Personal, Secured, Debt consolidation.
  • Loan types: only Qonto ES offers Business.

Our verdict on each

Acorn Finance

Acorn Finance suits US borrowers funding a home improvement who want a fixed rate and cash released quickly. Its headline rate starts at 6.99%, the arrangement fee is waived on larger loans, and free early repayment means a project that finishes under budget costs less.

Read the full Acorn Finance review

Qonto ES

Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.

Read the full Qonto ES review

Score breakdown

Acorn Finance vs Qonto ES
AreaAcorn FinanceQonto ES
Cost9.1HigherOrigination fees run 1% to 6% and the arrangement fee is waived only once a loan is large enough.8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check.
Offer9.3Higher9.0
Trust8.28.3Higher

Ranges side by side

Acorn Finance vs Qonto ES
FactAcorn FinanceQonto ES
Term24 to 240 months1 to 12 months

What each covers

Acorn Finance vs Qonto ES
Loan typesAcorn FinanceQonto ES
PersonalYesNo
Debt consolidationYesNo
Credit lineYesYes
SecuredYesNo
BusinessNoYes

If neither fits

CreditPlus UA has term at 345 to 365 months, against 24 to 240 months for Acorn Finance and 1 to 12 months for Qonto ES.

CreditPlus UA review

What we checked

Acorn Finance

  • acornfinance.com: 21 facts, checked September 26, 2026

Qonto ES

  • qonto.com: 13 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 2 facts, checked September 26, 2026

How they place

Acorn Finance vs Qonto ES
RankingAcorn FinanceQonto ES
Lines of credit217 of 3286 of 328

Every fact side by side

Acorn Finance vs Qonto ES
FactAcorn FinanceQonto ES
Pricing modelFixed rateFixed rate
FeaturesSame day funding, Credit lineCovers moreCredit line
Legal entityHeadway Sales Inc. DBA Acorn FinanceQONTO
HeadquartersUnited StatesFrance
Founded2018Not confirmed
Support channelsEmail, Phone, Help centreChat, Email, Phone, Help centreCovers more

Where each stands against the rest

Acorn Finance vs Qonto ES
FactAcorn FinanceQonto ESMedian
APR6.99%below the median19.5%highest quarter8.99%
Term24 to 240 monthshighest quarter1 to 12 monthslowest quarter60
Origination fee (%)1% to 6%above the medianNot confirmed0.25

Median across 1152 listed lenders.

Pros and cons

Acorn Finance

Pros

  • Headline rates from 6.99% sit well below the 12% median across the site
  • Free early repayment, so a project that comes in under budget costs less
  • Checks are soft prequalification (soft prequal), so a first quote does not carry a full hard search

Cons

  • Origination fees of 1% to 6% can add to the headline rate on smaller loans
  • Loans are tied to home improvement, so money is released towards a home improvement project rather than freely
  • Credit of poor is expected, so a minimum score still applies and some applicants are declined

Qonto ES

Pros

  • The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
  • The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
  • Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.

Cons

  • The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
  • The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
  • The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.

Who each suits

Acorn Finance

Who it suits

  • US borrowers planning a renovation who want predictable fixed payments
  • Anyone who prefers a soft prequalification check before a full application
  • Borrowers who expect to finish early and repay without penalty

Who should look elsewhere

  • People needing money for something other than home improvement
  • Anyone outside the US, since the licences it holds are all US state licences
  • Borrowers who want a rate locked in before a hard credit check is run

Qonto ES

Who it suits

  • Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
  • Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
  • Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.

Who should look elsewhere

  • Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
  • Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
  • Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.

Current offers

Qonto ES

Current offer

  • Bonus

    Welcome bonus (Bono de Bienvenida): 300 EUR

    Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn

    Source, checked September 26, 2026

  • First period offer

    Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR

    Approved financing request through the PragmaGO partner offer

    Source, checked September 26, 2026

Country by country

Acorn Finance vs Qonto ES
CountryAcorn FinanceQonto ES
AustriaNoYes
BelgiumNoYes
BulgariaNoYes
CroatiaNoYes
CyprusNoYes
CzechiaNoYes
DenmarkNoYes
EstoniaNoYes

8 of 31 countries where either is available.

Questions about each

Acorn Finance

What is the lowest rate Acorn Finance offers?+

The headline rate starts at 6.99%. What you are offered depends on your credit file and the partner lender, so the rate quoted after you apply may sit higher. The spread of rates across the site runs from 6.13% at the lower end to 24.92% at the upper end.

Are there fees on top of the interest rate?+

Origination fees of 1% to 6% can apply, and the arrangement fee is waived only once your loan is large enough, so a smaller loan may carry both. Repaying early costs nothing extra, because free early repayment is part of the deal.

Qonto ES

What rate do I pay on this business line?+

The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.

Is the rate fixed, or can it change?+

It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.

Other options to compare

Other matchups

Acorn Finance

Acorn Finance

Higher score in this comparison

8.8/10See alternatives

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