Updated September 29, 2026 · BorrowCue Editorial Team
Andacredito vs Cashspace
Where Andacredito and Cashspace differ
| Compare |  Andacredito |  Cashspace |
|---|---|---|
| APR | 0% to 36% | ₱12 to ₱36 |
| Loan amount | €100 to €5,000 | ₱500 to ₱25,000 |
| Term | 2 to 3 months | 2 to 4 monthsHigher |
| Arrangement fee | 0 EUR | 0 |
| Funding time | 10 minutes | Funds within 5 minutes; most approved applicants receive the money the same day |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Applicants in the Philippines, valid ID required |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Payday, Credit line |
| Credit check | Not confirmed | Hard |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Cashspace scores higher overall: 8.9 vs 8.7.
- Term is higher at Cashspace: 2 to 4 months vs 2 to 3 months.
- Support channels: only Cashspace offers Help centre, Community.
- Features: only Cashspace offers Credit line.
- Loan types: only Andacredito offers Car, Business, Student.
- Loan types: only Cashspace offers Credit line.
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.
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
Score breakdown
| Area | Andacredito | Cashspace |
|---|---|---|
| Cost | 9.5 | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. |
| Offer | 8.3 | 8.5Higher |
| Trust | 8.3 | 8.3 |
Side by side, item by item
| Loan types | Andacredito | Cashspace |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
Availability and regulation
Additional countries for Andacredito: 1. Additional countries for Cashspace: 1.
How they place
| Ranking | Andacredito | Cashspace |
|---|---|---|
| Personal loans | 13 of 1932 | 33 of 1932 |
| Payday and short-term loans | 4 of 246 | 15 of 246 |
| Loans for bad credit | 9 of 275 | 20 of 275 |
Every fact side by side
| Fact | Andacredito | Cashspace |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OU | Fininity OU |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Andacredito | Cashspace | Median |
|---|---|---|---|
| Term | 2 to 3 monthslowest quarter | 2 to 4 monthslowest quarter | 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.
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
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%.
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
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 | Cashspace |
|---|---|---|
| Philippines | No | Yes |
| Spain | Yes | No |
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.
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
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