Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Lendela
Andacredito vs Lendela: the differences
| Compare |  Andacredito |  Lendela |
|---|---|---|
| APR | 0% to 36% | up to 48% |
| Loan amount | €100 to €5,000 | SGD 1,000 to SGD 200,000 |
| Term | 2 to 3 months | 3 to 72 monthsHigher |
| Arrangement fee | 0 EUR | SGD 0 |
| Funding time | 10 minutes | Around 1-2 days from application to disbursement; some within hours |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Debt consolidation, Business, Secured, Student |
| Credit needed | Poor | Fair |
| Credit check | Not confirmed | None |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Andacredito scores higher overall: 8.7 vs 8.5.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 2 to 3 months.
- Support channels: only Lendela offers Phone, Help centre.
- Features: only Lendela offers Credit line.
- Loan types: only Andacredito offers Payday, Car.
- Loan types: only Lendela 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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | Andacredito | Lendela |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.3 | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.3Higher | 8.2 |
Ranges side by side
| Fact | Andacredito | Lendela |
|---|---|---|
| APR | 0% to 36% | up to 48% |
| Term | 2 to 3 months | 3 to 72 months |
What we checked
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Andacredito | Lendela |
|---|---|---|
| Personal loans | 13 of 1932 | 74 of 1932 |
| Loans for bad credit | 9 of 275 | 42 of 275 |
| Debt consolidation loans | 5 of 425 | 26 of 425 |
| Business loans | 2 of 435 | 10 of 435 |
| Private student loans | 2 of 167 | 6 of 167 |
Every fact side by side
| Fact | Andacredito | Lendela |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OU | Lendela Pte. Ltd. |
| Headquarters | Estonia | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Andacredito | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Andacredito | Lendela | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | up to 48%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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no 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%.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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 | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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