Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs Moneyveo VN
Where Addi and Moneyveo VN differ
| Compare |  Addi |  Moneyveo VN |
|---|---|---|
| APR | 0% to 29.14%Lower | 18.25% |
| Term | 1 to 6 months | 62 to 180 monthsHigher |
| Credit check | Hard | Soft prequal |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | About 20 minutes on average from application to bank account credit |
| Lender type | Direct lender | Marketplace |
| Free early repayment | YesHas it | No |
| Loan types | BNPL, Credit line | Personal, Secured, Student, BNPL |
| Loan amount | Not confirmed | ₫500,000 to ₫30,000,000 |
| Arrangement fee | 0 COP (no handling fee) | Not confirmed |
| Representative example | Not confirmed | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND |
| Eligibility | Not confirmed | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account |
| Credit needed | Not confirmed | Poor |
Same on both: Rate type (Fixed).
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Key differences
- Addi scores higher overall: 9.3 vs 8.5.
- APR is lower at Addi: 0% to 29.14% vs 18.25%.
- Free early repayment: only Addi.
- Term is higher at Moneyveo VN: 62 to 180 months vs 1 to 6 months.
- Support channels: only Addi offers Email.
- Features: only Addi offers Credit line.
- Features: only Moneyveo VN offers Same day funding.
- Loan types: only Addi offers Credit line.
- Loan types: only Moneyveo VN offers Personal, Secured, Student.
Our verdict on each
Addi
Addi suits Colombian shoppers who want a credit line or pay-later plan at checkout rather than a cash loan. The costs are modest: fees of 0 COP (no handling fee) and an annual rate of 0% to 29.14%, with borrowing that a hard credit check sits behind.
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
Score breakdown
| Area | Addi | Moneyveo VN |
|---|---|---|
| Cost | 9.5Higher | 8.4 |
| Offer | 9.0 | 9.5Higher |
| Trust | 9.2Higher | 8.1 |
Ranges side by side
| Fact | Addi | Moneyveo VN |
|---|---|---|
| Term | 1 to 6 months | 62 to 180 months |
Availability and regulation
Additional countries for Addi: 1. Additional countries for Moneyveo VN: 1.
Pick Addi if, pick Moneyveo VN if
Pick Addi if cost, apr, and free early repayment matter most.
Pick Moneyveo VN if offer and term matter most.
How they place
| Ranking | Addi | Moneyveo VN |
|---|---|---|
| Buy now, pay later | 12 of 88 | 7 of 88 |
Every fact side by side
| Fact | Addi | Moneyveo VN |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Adelante Soluciones Financieras S.A.S. | CONG TY TNHH MONEYVEO VIETNAM |
| Headquarters | Colombia | Vietnam |
| Founded | Not confirmed | 2020 |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Phone, Help centre, Community |
Where each stands against the rest
| Fact | Addi | Moneyveo VN | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | 18.25%above the median | 8.99 |
| Term | 1 to 6 monthslowest quarter | 62 to 180 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Addi
Pros
- The purchase is paid straight to the merchant at checkout, so credit is applied for in minutes
- Fees of 0 COP (no handling fee), so there is no handling charge on the credit or the line
- Fixed rates, with a fixed structure rather than a variable one
Cons
- The application runs a hard credit check, so a declined application shows on the credit file
- Repayment terms run 1 to 6, which is short for anyone wanting a longer period
- The top of the annual rate range is high at 0% to 29.14%, so cost varies sharply with the borrower
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
Who each suits
Addi
Who it suits
- Colombian shoppers splitting a purchase at checkout rather than taking a cash loan
- People who want a reusable credit line open alongside a pay-later plan
- Borrowers with a good credit file who pass a hard check and settle early
Who should look elsewhere
- Anyone who needs money paid into a bank account, as the purchase is paid to the merchant at checkout
- Borrowers who need a longer repayment period than 1 to 6
- People who cannot pass a hard credit check
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
Current offers
Addi
Current offer
Bonus
Minuto Ganador 2026: Bonus worth 100% of your purchase
Request your Cupo and buy in installments; every 5 minutes there is a winner
Source, checked September 26, 2026
Bonus
0% interest in up to 3 installments: 0% interest for eligible customers
Subject to transaction eligibility criteria set out in the 0% interest T&C
Source, checked September 26, 2026
Country by country
| Country | Addi | Moneyveo VN |
|---|---|---|
| Colombia | Yes | No |
| Vietnam | No | Yes |
Questions about each
Addi
What does Addi cost to borrow?+
The published annual rate runs 0% to 29.14%, and there is a handling fee of 0 COP (no handling fee). Rates are fixed, so the cost of a plan does not drift while the balance is open. Early repayment carries no charge, which means settling sooner reduces the amount paid overall.
Is there a fee for opening a credit line?+
No handling fee applies: 0 COP (no handling fee) is what is listed for the credit and the line. The ongoing cost is interest, set on a fixed basis rather than a variable one, so the rate quoted at the start holds for the life of the plan.
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
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