Updated September 30, 2026 · BorrowCue Editorial Team
Andacredito vs Credino
Where Andacredito and Credino differ
| Compare |  Andacredito |  Credino |
|---|---|---|
| APR | 0% to 36%Lower | 81% |
| Loan amount | €100 to €5,000 | DKK 1,000 to DKK 500,000 |
| Term | 2 to 3 months | 12 monthsHigher |
| Funding time | 10 minutes | First offers selected in about 2 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE) |
| Rate type | Variable | Fixed |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Danish online lenders only; a minimum age of 23 may apply depending on the provider |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Car |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Arrangement fee (0 EUR), Credit needed (Poor).
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Key differences
- Andacredito scores higher overall: 8.7 vs 8.2.
- APR is lower at Andacredito: 0% to 36% vs 81%.
- Term is higher at Credino: 12 months vs 2 to 3 months.
- Loan types: only Andacredito offers Personal, Payday, Business.
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.
Credino
Credino suits borrowers with poor credit who want to compare car or home improvement offers through a marketplace rather than applying to a direct lender. Its pricing centres on APR of 81% with origination fees of 0 EUR, so check the published example carefully before you proceed.
Score breakdown
| Area | Andacredito | Credino |
|---|---|---|
| Cost | 9.5Higher | 8.2Cost reflects APR of 81% with fees of 0 EUR |
| Offer | 8.3 | 8.4HigherOffer reflects marketplace reach across car for planned spend |
| Trust | 8.3Higher | 8.1Trust reflects marketplace model via marketplace with email help |
Pick Andacredito if, pick Credino if
Pick Andacredito if cost, apr, and loan types matter most.
Pick Credino if term matter most.
Where they rank in our lists
| Ranking | Andacredito | Credino |
|---|---|---|
| Car loans | 3 of 431 | 15 of 431 |
Feature by feature
| Loan types | Andacredito | Credino |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | Yes | No |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Andacredito and 81% for Credino.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Andacredito | Credino |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OU | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Not confirmed |
Where each stands against the rest
| Fact | Andacredito | Credino | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 81%highest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 12 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.
Credino
Pros
- Marketplace model via marketplace lets you review varied partner offers in a single search
- Origination fees run 0 EUR so setup adds no separate charge beyond interest
- Car coverage via car suits vehicle shoppers comparing providers
Cons
- Pricing centres on APR of 81% which can make total repayment heavy for tight budgets
- Repayment window sits at 12 which limits flexibility if you hoped to spread costs
- Support runs on email only which may frustrate you if you prefer phone help
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%.
Credino
Who it suits
- Borrowers with poor credit comparing marketplace offers for car or renovation spend
- Shoppers who value prompt shortlisting described as First offers selected in about 2 minutes before detailed checks
- Borrowers comfortable managing help by email while comparing lenders
Who should look elsewhere
- Borrowers chasing lower headline APR who may prefer Ibancar Prestamos because its listed APR differs from 81%
- Borrowers wanting card style revolving credit who may prefer AXI Card Tarjeta y Credito for its card structure
- Borrowers wanting longer schedules who may avoid Credino because duration sits at 12
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 | Credino |
|---|---|---|
| Denmark | 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.
Credino
Is Credino a lender or a comparison service?+
Credino focuses on comparison rather than direct lending, operating as marketplace. You submit details and review partner offers, then continue with the chosen provider under its own terms and checks.
What does borrowing through Credino cost?+
The headline cost is APR of 81% alongside fees of 0 EUR. You should read the published illustration showing monthly instalments and total payable, since interest makes the total exceed the amount borrowed.
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