Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Finmercado ES
Where Andacredito and Finmercado ES differ
| Compare |  Andacredito |  Finmercado ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €200 to €30,000Higher |
| Term | 2 to 3 months | 2 to 12 monthsHigher |
| Funding time | 10 minutes | Same-day approval (24h offers listed); the lender transfers the amount after approval, timing depends on each lender |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Loan of 300 EUR repaid in 6 monthly instalments (180 days): about 55 EUR per month, total interest 30 EUR (TAE = 20%), total amount repayable 330 EUR |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Minimum age 18; customers in Spain; DNI or NIE, proof of income and recent bank statement (partner offers e.g. ABANCA list age 18-59) |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday, Debt consolidation |
| Credit check | Not confirmed | Hard |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: APR (0% to 36%), Arrangement fee (0 EUR), Lender type (Broker), Origination fee (%) (0%).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Finmercado ES scores higher overall: 8.8 vs 8.7.
- Loan amount is higher at Finmercado ES: €200 to €30,000 vs €100 to €5,000.
- Term is higher at Finmercado ES: 2 to 12 months vs 2 to 3 months.
- Support channels: only Finmercado ES offers Help centre.
- Loan types: only Andacredito offers Car, Business, Student.
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.
Finmercado ES
Finmercado ES suits borrowers in Spain who want to see partner offers quickly and pay no arrangement fee for the search. Rates of 0% to 36% mean the cheapest and the highest deals sit far apart, so the rate you are offered matters more here than the headline.
Score breakdown
| Area | Andacredito | Finmercado ES |
|---|---|---|
| Cost | 9.5 | 9.7HigherAn origination fee of 0 EUR and a percentage fee of 0%, so cost depends on the rate alone. |
| Offer | 8.3 | 8.5Higher |
| Trust | 8.3 | 8.3 |
Feature by feature
| Loan types | Andacredito | Finmercado ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
How they place
| Ranking | Andacredito | Finmercado ES |
|---|---|---|
| Personal loans | 13 of 1932 | 39 of 1932 |
| Payday and short-term loans | 4 of 246 | 18 of 246 |
| Debt consolidation loans | 5 of 425 | 14 of 425 |
Which one suits you
Pick Andacredito if loan types matter most.
Pick Finmercado ES if loan amount and term matter most.
If neither fits
Oney Préstamos ES has loan amount at €1,000 to €45,000, against €100 to €5,000 for Andacredito and €200 to €30,000 for Finmercado ES.
Oney Préstamos ES reviewEvery fact side by side
| Fact | Andacredito | Finmercado ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | SIA JEFF |
| Headquarters | Estonia | Latvia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Finmercado ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €200 to €30,000below the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 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.
Finmercado ES
Pros
- The origination fee is 0 EUR, so finding and comparing partner offers costs nothing.
- Approval is advertised for the same day, and the lender releases the amount once it accepts.
- Loan sizes sit inside €200 to €30,000 and repayment terms inside 2 to 12, so a small sum and a larger plan are handled through the same application.
Cons
- Repayment terms of 2 to 12 are shorter than the 48 seen across personal loans here, so a large balance has to clear fast.
- A hard credit check runs on every application, and 44.9% of this category is aimed at borrowers with poor credit, which sets the bar for approval.
- Support runs on email and help centre only, while phone lines cover 85.3% of this market.
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%.
Finmercado ES
Who it suits
- Adults in Spain with DNI or NIE, proof of income and a recent bank statement who want to see partner offers quickly.
- Borrowers after a fee-free search and same-day approval, who can live with a rate landing anywhere in 0% to 36%.
- Anyone consolidating existing balances, since personal, payday and debt consolidation covers consolidation loans alongside personal and payday borrowing.
Who should look elsewhere
- Readers who want a single known band rather than a wide range: Monzo Flex runs at 10% to 23%, which sits inside 0% to 36%.
- Anyone comparing offers quoted in pesos: Cashspace lists PHP 12 to PHP 36 in another currency, so the two lists are not priced alike.
- Borrowers shopping only on the starting rate: Cashspace ES shows 0%, and because 0% to 36% can start at the same level, the top of the band is what separates the two.
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 | Finmercado ES |
|---|---|---|
| Spain | Yes | 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.
Finmercado ES
What rate of interest applies?+
The rate range is 0% to 36%, a wide band holding both a very low rate and a high rate. Where you land inside it depends on your credit profile and the partner lender who accepts your application. The 12% seen across lenders here sits well inside that band, so treat the middle as a realistic target rather than the floor.
Does Finmercado ES charge a fee?+
The origination fee is 0 EUR, so the search itself costs nothing. Once a partner lender takes you on, its own charges and its rate are what you repay, and those come from the lender rather than the broker. Read the representative example at that point, because the fee for arranging the loan and the interest on it are separate lines.
Other options to compare
Other matchups
- Andacredito vs Arab Islamic Bank
- Andacredito vs Oney Préstamos ES
- Andacredito vs Sofkredit
- Andacredito vs Quick Car Finance
- Andacredito vs Prestamiau ES
- Andacredito vs Credityes
- Andacredito vs Fidea
- Andacredito vs 5in5
- Andacredito vs Qonto ES
- Andacredito vs Me Presta MX
- Andacredito vs Lendela
- Andacredito vs Creditio
- Andacredito vs BriteCap Financial
- Andacredito vs Alt Lending
- Andacredito vs Novo
- Andacredito vs Nazivnost
- Andacredito vs Smartney
- Andacredito vs LEND.ch
- Andacredito vs Cool Credit
- Andacredito vs Moneyveo VN