Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Plazo ES
What sets them apart
| Compare |  Amanahkredit MY |  Plazo ES |
|---|---|---|
| APR | 18%Lower | 24.19% |
| Loan amount | MYR 300 to MYR 5,000 | €500 to €5,000 |
| Term | 2 to 30 months | 48 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | 0 EUR |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Money available about 10 minutes after sign-up; approval answer arrives in minutes |
| Free early repayment | YesHas it | No |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | Over 18, DNI/NIE or European passport, resident in Spain, demonstrable income, good credit history |
| Loan types | Personal, Payday, Student, Business | Personal, Credit line |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Línea de crédito revolving 1.500 EUR, TIN fijo 21,86%, TAE 24,19%, 48 monthly instalments of 47,15 EUR, total due 2.263,20 EUR |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Good |
Same on both: Rate type (Fixed), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Amanahkredit MY scores higher overall: 9.0 vs 8.9.
- APR is lower at Amanahkredit MY: 18% vs 24.19%.
- Free early repayment: only Amanahkredit MY.
- Term is higher at Plazo ES: 48 months vs 2 to 30 months.
- Support channels: only Plazo ES offers Chat.
- Features: only Plazo ES offers Credit line.
- Loan types: only Amanahkredit MY offers Payday, Student, Business.
- Loan types: only Plazo ES offers Credit line.
Our verdict on each
Amanahkredit MY
Amanahkredit MY is a licensed Malaysian direct lender for small, short personal and payday loans that fund quickly, at an APR of 18%. That sits below the payday ranking median of 36.5%, so it suits borrowers who put payout speed and charge-free early settlement ahead of the lowest price.
Plazo ES
Plazo ES suits Spanish residents with a good credit history who want a small personal loan or a revolving credit line funded within minutes. Its 24.19% annual cost is high next to cheaper lenders, so the total repaid over 48 instalments is the figure to weigh.
Score breakdown
| Area | Amanahkredit MY | Plazo ES |
|---|---|---|
| Cost | 8.9HigherAPR 18% on MYR 300 to MYR 5,000 over 2 to 30, plus an arrangement fee taken upfront from the disbursement amount. | 8.724.19% annual cost sits well above cheaper lenders, and free early repayment is not offered. |
| Offer | 8.6 | 9.5HigherA personal loan and a credit line under personal and credit line, with funding within minutes of sign-up. |
| Trust | 9.2Higher | 8.7 |
Pick Amanahkredit MY if, pick Plazo ES if
Pick Amanahkredit MY if trust, apr, and free early repayment matter most.
Pick Plazo ES if offer and term matter most.
Licences and countries
| Country | Amanahkredit MY | Plazo ES |
|---|---|---|
| Malaysia | Ministry of Housing and Local Government (KPKT), Malaysia WL3468/01/01-11/270127 | Not confirmed |
| Spain | Not confirmed | Banco de España 6899 |
Additional countries for Amanahkredit MY: 1. Additional countries for Plazo ES: 1.
How they place
| Ranking | Amanahkredit MY | Plazo ES |
|---|---|---|
| Personal loans | 656 of 1920 | 20 of 1920 |
| Home improvement loans | 294 of 562 | 10 of 562 |
Every fact side by side
| Fact | Amanahkredit MY | Plazo ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line, Same day fundingCovers more |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | IDFinance Plazo, S.L.U. |
| Headquarters | Malaysia | Spain |
| Founded | Not confirmed | 2021 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Amanahkredit MY | Plazo ES | Median |
|---|---|---|---|
| APR | 18%above the median | 24.19%highest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 48 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Amanahkredit MY
Pros
- Licensed in Malaysia by the Ministry of Housing and Local Government (KPKT) under WL3468/01/01-11/270127.
- Funds go out Within 24 hours of approval, same day if applied before 5 pm, with same-day funding among same day funding.
- Early repayment carries no charge, so a shorter payoff costs nothing extra.
Cons
- An APR of 18% is above the site median of 12% and above Monzo Flex at 10% to 23%.
- Terms run 2 to 30, well short of the site median term of 36.
Plazo ES
Pros
- The approval answer arrives in minutes and the money is available in your account shortly after you sign up, so a cost that cannot wait can be covered the same day.
- The origination fee is 0 EUR on the personal loan and the credit line, so the cost sits in the rate rather than in a setup charge.
- The rate is fixed, so an instalment does not rise when market rates move.
Cons
- The annual cost of 24.19% sits well above 12% for the median brand on the site, so the interest does most of the work in what you repay.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not bring the cost down, while 81.2% of the brands compared do offer it.
- Applications run a hard credit check, so an outcome here can also weigh on other credit applications you make.
Who each suits
Amanahkredit MY
Who it suits
- Malaysian citizens with a MyKad, stable employment and an active local bank account.
- Applicants who need money the same day and would rather clear a short term than stretch it.
- Borrowers who want to settle early without a charge and prefer dealing with a direct lender.
Who should look elsewhere
- Cost-first borrowers, since 18% sits above the site median of 12% and above Monzo Flex at 10% to 23%.
Plazo ES
Who it suits
- Adults living in Spain with a DNI/NIE or a European passport, demonstrable income and a good credit history.
- Borrowers who want both a personal loan and a revolving credit line from the same firm, since the range covers personal and credit line.
- People who can carry a 24.19% annual cost and value money in the account within minutes of signing up.
Who should look elsewhere
- Readers chasing a lower annual cost, since Monzo Flex quotes 10% to 23% against 24.19%.
- Borrowers who plan to finish early, since free early repayment is not offered here while most of the site comparison does offer it.
- Anyone needing a sum above €500 to €5,000, where Cashspace at PHP 12 to PHP 36 is set in a different currency and market.
Current offers
Plazo ES
Current offer
Bonus
Cashback on purchases with the Plazo card: Up to 15% cashback at favourite brands
Only when paying with the Plazo card; subject to meeting eligibility conditions and validity of the offers
Source, checked September 26, 2026
Country by country
| Country | Amanahkredit MY | Plazo ES |
|---|---|---|
| Malaysia | Yes | No |
| Spain | No | Yes |
Questions about each
Amanahkredit MY
What rate does Amanahkredit MY charge?+
The published APR is 18%, and the rate type is fixed, so the cost does not drift during the term. That sits above the site median of 12% but below the payday ranking median of 36.5%, where short-term fixes tend to price out.
How much can I borrow, and over what term?+
Loan amounts run MYR 300 to MYR 5,000 and terms run 2 to 30, with home improvement given as the main use. The listed categories are personal, payday and student. That menu suits a planned bill or a contained repair rather than a large project.
Plazo ES
What does borrowing from Plazo ES cost?+
Plazo ES charges an annual cost of 24.19% on a fixed basis, and the origination fee is 0 EUR, so there is no setup charge to add. The published representative example is a revolving credit line repaid in 48 monthly instalments, and the total due comes to noticeably more than the amount drawn. That gap is the real cost to weigh.
Is Plazo ES a regulated lender?+
Plazo ES is a direct lender listed with Banco de España under 6899, so a Spanish supervisor is responsible for how it conducts that business. A loan is a borrowing contract rather than a savings account, so what you owe comes from the published terms, and the register entry is the detail worth checking before you sign.
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