Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Finmercado
What sets them apart
| Compare |  Andacredito |  Finmercado |
|---|---|---|
| APR | 0% to 36%Lower | from 677.47% |
| Loan amount | €100 to €5,000 | MX$500 to MX$200,000 |
| Term | 2 to 3 months | 2 to 12 monthsHigher |
| Arrangement fee | 0 EUR | 0 MXN |
| Funding time | 10 minutes | Online application in about 5 minutes; partner lenders answer in minutes and deposit goes to the customer's bank account |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Personal loan of MXN 2,000 over 6 quincenas, 6 payments of MXN 647, total to pay MXN 3,882; monthly interest rate 28% to 49.50% (without VAT), informative CAT from 677.47% |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Mexico only, accredited Mexican lending partners; partner lenders accept from 18 years (some 21+); INE and an active bank account required |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Payday, Secured, Business, Debt consolidation, Student |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Origination fee (%) (0%), Credit needed (Poor).
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
- Andacredito scores higher overall: 8.7 vs 8.5.
- APR is lower at Andacredito: 0% to 36% vs from 677.47%.
- Term is higher at Finmercado: 2 to 12 months vs 2 to 3 months.
- Support channels: only Finmercado offers Chat, Help centre, Community.
- Loan types: only Andacredito offers Car.
- Loan types: only Finmercado offers Secured.
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
Finmercado suits Mexican borrowers who need a small personal loan in the bank account the same day, with a soft prequalification and no origination fee. The trade-off is cost, with an informative CAT starting at from 677.47% and a short term, so this is a bridge rather than long-term credit.
Score breakdown
| Area | Andacredito | Finmercado |
|---|---|---|
| Cost | 9.5Higher | 8.8Cost rests on the rate: the informative CAT starts at from 677.47%, with terms of 2 to 12 keeping balances short. |
| Offer | 8.3 | 8.8Higher |
| Trust | 8.3Higher | 8.1 |
Side by side, item by item
| Loan types | Andacredito | Finmercado |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | No |
| Business | Yes | Yes |
| Student | Yes | Yes |
Where they rank in our lists
| Ranking | Andacredito | Finmercado |
|---|---|---|
| Personal loans | 13 of 1932 | 40 of 1932 |
| Payday and short-term loans | 4 of 246 | 19 of 246 |
| Loans for bad credit | 9 of 275 | 27 of 275 |
| Debt consolidation loans | 5 of 425 | 15 of 425 |
| Business loans | 2 of 435 | 6 of 435 |
| Private student loans | 2 of 167 | 4 of 167 |
Every fact side by side
| Fact | Andacredito | Finmercado |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | SIA JEFF |
| Headquarters | Estonia | Mexico |
| Support channels | Email, Chat, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Andacredito | Finmercado | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | from 677.47%highest quarter | 8.99 |
| 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
Pros
- No fee for taking out a personal loan, since the origination fee is 0 MXN
- same day funding is offered and the deposit goes straight to your bank account
- The online application takes a few minutes, and partner lenders answer in minutes
Cons
- Fees are not the problem, interest is: from 677.47% is an informative rate and the representative example shows a total repayable well above the amount borrowed
- Terms run 2 to 12, so a larger balance has to be cleared quickly
- Support runs on email, chat and help centre only, with no phone line
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
Who it suits
- Mexican residents with an INE and an active bank account who need a personal loan quickly
- Borrowers with poor credit who want a soft prequal check before a full application
- Anyone covering home improvement without paying an origination fee of 0 MXN
Who should look elsewhere
- Borrowers who can clear a mainstream credit test, since Monzo Flex quotes 10% to 23% against the from 677.47% Finmercado starts at
- Anyone needing a repayment window longer than 2 to 12
- Readers who want to talk a lender through by phone, since support runs on email, chat and help centre
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 |
|---|---|---|
| Mexico | 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.
Finmercado
How much does borrowing from Finmercado cost?+
The informative CAT starts at from 677.47% and the origination fee is 0 MXN, so nothing is charged for setting the loan up. The representative example shows where the cost really sits: a small personal loan repaid over a short run of fortnightly payments, with a monthly interest rate quoted before VAT and a total repayable well above the amount borrowed.
Is there an arrangement fee to pay?+
The origination fee is 0 MXN, and no percentage charge sits on top because that figure is 0%. The whole cost therefore falls on the interest, which means the rate offered and the length of the term decide the bill rather than the setup.
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