Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs BadCreditLoans.com
Andacredito vs BadCreditLoans.com: the differences
| Compare |  Andacredito | BadCreditLoans.com ReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 19.9% |
| Loan amount | €100 to €5,000 | $500 to $10,000 |
| Term | 2 to 3 months | 3 to 72 monthsHigher |
| Arrangement fee | 0 EUR | $0 USD |
| Funding time | 10 minutes | As fast as the next business day |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Sample cash loan: $2,000 for 12 months at 19.9% representative APR, $183.63 monthly repayment, $2,203.56 total repayment |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | U.S. residents; not available in all states; some network lenders offer loans to borrowers with all types of credit |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Business, Student, Car |
| Credit check | Not confirmed | Hard |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Andacredito scores higher overall: 8.7 vs 8.4.
- APR is lower at Andacredito: 0% to 36% vs 19.9%.
- Term is higher at BadCreditLoans.com: 3 to 72 months vs 2 to 3 months.
- Support channels: only BadCreditLoans.com offers Phone.
- Features: only Andacredito offers Same day funding.
- Features: only BadCreditLoans.com offers Credit line.
- Loan types: only Andacredito offers Payday, Debt consolidation.
Our verdict on each
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.
BadCreditLoans.com
BadCreditLoans.com is a US matching service aimed at borrowers with poor credit who need a small loan quickly, at 19.9% and an origination fee of $0 USD. It suits applicants a prime lender would turn down, and suits them less well where a cheaper rate matters more than the speed of funding.
Score breakdown
| Area | Andacredito | BadCreditLoans.com |
|---|---|---|
| Cost | 9.5Higher | 8.5Cost is the weak point: 19.9% on a personal loan, and terms reach 3 to 72. |
| Offer | 8.3 | 8.6Higher |
| Trust | 8.3Higher | 8.1 |
Ranges side by side
| Fact | Andacredito | BadCreditLoans.com |
|---|---|---|
| Term | 2 to 3 months | 3 to 72 months |
Feature by feature
| Loan types | Andacredito | BadCreditLoans.com |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | Yes |
Where they rank in our lists
| Ranking | Andacredito | BadCreditLoans.com |
|---|---|---|
| Personal loans | 13 of 1932 | 135 of 1932 |
| Loans for bad credit | 9 of 275 | 76 of 275 |
| Car loans | 3 of 431 | 36 of 431 |
| Business loans | 2 of 435 | 25 of 435 |
| Private student loans | 2 of 167 | 13 of 167 |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Andacredito and 19.9% for BadCreditLoans.com.
FINANZCHECK.de reviewWhere these facts come from
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
BadCreditLoans.com
- badcreditloans.com: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Andacredito | BadCreditLoans.com |
|---|---|---|
| Features | Same day funding | Credit line |
| Legal entity | Fininity OU | Great LLC |
| Headquarters | Estonia | United States |
| Support channels | Email, PhoneCovers more |
Where each stands against the rest
| Fact | Andacredito | BadCreditLoans.com | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 19.9%highest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 3 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
BadCreditLoans.com
Pros
- An origination fee of $0 USD, so nothing is taken for setting the loan up.
- Speed: As fast as the next business day.
- Built for the poor credit band (poor), with some lenders in the network lending to any type of credit.
Cons
- A hard credit check sits behind every application (hard), so a rejection can be recorded on the file.
- Support runs on email and phone only, with no live chat or help centre listed.
- The rate of 19.9% is steep next to Monzo Flex, where rates run 10% to 23%.
Who each suits
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%.
BadCreditLoans.com
Who it suits
- US residents with poor credit who need a small amount quickly and can live with 19.9%.
- Borrowers after a car, student or business loan as well as a personal one, since personal, business and student are all in the mix.
- Anyone who wants a fee-free arrangement, with an origination fee of $0 USD.
Who should look elsewhere
- Monzo Flex, for borrowers whose credit file carries them into a cheaper band, since rates there run 10% to 23%.
- Cashspace ES, for anyone who would rather pay 0% than 19.9%.
- Cashspace, for readers outside the US, since this service is limited to US residents.
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 | Andacredito | BadCreditLoans.com |
|---|---|---|
| Spain | Yes | No |
| United States | No | Yes |
Questions about each
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.
BadCreditLoans.com
What rate do borrowers pay?+
The headline rate is 19.9%, and this is a matching service rather than one lender, so the rate offered depends on which network lender approves. Terms run 3 to 72 and loan sizes run $500 to $10,000.
Is there an origination fee to pay?+
There is no origination fee: $0 USD is charged for setting the loan up or for passing an application to a network lender. A hard credit check (hard) is the cost of looking instead, and a declined application can still be recorded by the lender that ran it.
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