Andacredito review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
A small short-term loan in Spain for a borrower with a Spanish bank account and a thin credit file.
APR
0% to 36% (Source, checked September 26, 2026)
Loan amount
€100 to €5,000 (Source, checked September 26, 2026)
Term
2 to 3 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Funding time
10 minutes (Source, checked September 26, 2026)
Representative example
300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18 or older, bank account in Spain, ability to repay (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Car, Business, Student, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Fininity OU (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
andacredito.es

Pros and cons

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.
  • Built for poor credit, so a file other lenders decline still has a route.
  • Brokers are 20.6% of the listings here, so a matching service is a real alternative.

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.
  • As a broker, the final rate comes from the partner, so 0% to 36% is a starting point.
Andacredito

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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%.

Rates and costs

The published APR is 0% to 36% and the arrangement fee is 0 EUR, which puts the headline price at the cheap end of this market. The representative example adds detail: a small loan taken and repaid inside the shortest window comes back at the amount received, with no cost added at all. Early repayment is free, so clearing the balance ahead of schedule adds nothing. The pressure sits in the term and the speed, not the price.

Applying and getting the money

Money moves in 10 minutes after an offer is accepted, quick enough for a bill that lands today rather than next month. The amount runs €100 to €5,000, so this suits a gap or an emergency rather than a large planned purchase. The term is 2 to 3, which keeps the balance outstanding for a short window. A small sum cleared fast suits a borrower after a bridge, not a loan.

Safety and regulation

Andacredito is a broker rather than a lender, and that shapes what you sign. The rate and terms shown are the brief a partner is asked to meet, and the agreement runs with the party that funds the loan, so check that party's charges, repayment plan and identity before you accept an offer. The representative example shows the friendly end: a small loan repaid over the shortest window at no extra cost. Treat it as the cheapest case, not the offer you will be sent.

Who runs it

The contract names Fininity OU as the legal entity behind the Andacredito name, and the company sits in Estonia. On a broker that identifies who stands behind the matching service and the general terms you accept, even though the loan is written with a partner. Support runs on email only, so questions go by email and answers come back in writing. Plan on a written trail rather than a call.

How Andacredito compares

Where Andacredito is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Can I repay early without a penalty?+

Early repayment is free, so you can clear the balance ahead of the agreed schedule with no charge. That matters when the term is as short as 2 to 3. Anyone expecting an unexpected windfall, or who needs the money for a short gap, can step out of the loan at no cost.

How much can I borrow and for how long?+

The amount runs €100 to €5,000 and the term is 2 to 3. That sets a firm ceiling: this is a bridging product for a shortfall that must clear quickly, not a way to spread a large cost over years. Borrowing for a car or a course works against the shape of the loan.

How quickly do I get the money?+

Funding runs at 10 minutes after an offer is accepted, and same-day funding is a headline feature. The catch is that the speed follows a credit check and a match, so a declined application pays out nothing however quick the process looks. Apply when the bill is due.

What credit do I need to qualify?+

The credit requirement is poor, and eligibility also needs a bank account in Spain along with the ability to repay. Applicants a mainstream lender would decline are the ones this broker is built for, so a thin file is the entry point rather than an exception.

Is Andacredito the lender or a middleman?+

It is a broker, so Andacredito matches an application to a partner that actually provides the loan. The contract that matters for repayment sits with that partner, and the terms shown are the brief rather than a promise. Check the partner's name, charges and repayment plan on the offer.

How do I reach support?+

Support runs on email only, so email is the single route for a question or a complaint. Expect a written answer rather than a call, and keep your emails, since that trail is your record with the broker. If the issue concerns the loan itself, the partner lender named on your agreement is the party that has to resolve it.

Sources

  • andacredito.es checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Prestamos rapidos con ASNEF ... No requerimos un historial crediticio perfecto”

  • andacredito.es/condiciones-generales checked September 26, 2026

    Backs: Headquarters, Legal entity

  • andacredito.es/contacto checked September 26, 2026

    Backs: Support channels

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Andacredito

Andacredito

A small short-term loan in Spain for a borrower with a Spanish bank account and a thin credit file.

8.7/10Visit

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