Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs LendKey
What sets them apart
| Compare |  Andacredito |  LendKey |
|---|---|---|
| APR | 0% to 36%Lower | 2.09% to 15.54% |
| Loan amount | €100 to €5,000 | from $1,000 |
| Term | 2 to 3 months | 60 to 180 monthsHigher |
| Arrangement fee | 0 EUR | 0 USD |
| Funding time | 10 minutes | Funds sent directly to the school after certification, generally under 30 days |
| Rate type | Variable | Fixed |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Enrolled at least half-time in a degree-granting program at an eligible school; U.S. citizen or permanent resident; at least the age of majority; credit-based so a cosigner may be needed |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Student, Debt consolidation |
| Credit needed | Poor | Fair |
| Credit check | Not confirmed | Hard |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes), 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
- LendKey scores higher overall: 9.0 vs 8.7.
- APR is lower at Andacredito: 0% to 36% vs 2.09% to 15.54%.
- Term is higher at LendKey: 60 to 180 months vs 2 to 3 months.
- Support channels: only LendKey offers Phone, Help centre.
- Loan types: only Andacredito offers Personal, Payday, Car.
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.
LendKey
LendKey is a US private student loan marketplace for students and families covering a gap in study costs, and it suits borrowers whose own credit can carry a fixed rate. Offers are priced at 2.09% to 15.54% with terms of 60 to 180 months, and rates stay fixed for the life of the loan.
Score breakdown
| Area | Andacredito | LendKey |
|---|---|---|
| Cost | 9.5 | 9.5Rates of 2.09% to 15.54% on fixed rate lending, with an origination fee of 0 USD and a percentage charge of 0%. |
| Offer | 8.3 | 9.4Higher |
| Trust | 8.3 | 8.4Higher |
How they place
| Ranking | Andacredito | LendKey |
|---|---|---|
| Loans for bad credit | 9 of 275 | 54 of 275 |
| Debt consolidation loans | 5 of 425 | 39 of 425 |
| Private student loans | 2 of 167 | 9 of 167 |
Availability and regulation
| Country | Andacredito | LendKey |
|---|---|---|
| United States | Not confirmed |
Additional countries for Andacredito: 1. Additional countries for LendKey: 1.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Andacredito and 2.09% to 15.54% for LendKey.
FINANZCHECK.de reviewWhere these facts come from
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
LendKey
- lendkey.com: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | Andacredito | LendKey |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OU | LendKey Technologies, Inc. |
| Headquarters | Estonia | United States |
| Founded | Not confirmed | 2009 |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | LendKey | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 2.09% to 15.54%lowest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 60 to 180 monthshighest 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.
LendKey
Pros
- A marketplace model puts partner lenders in competition for a single application.
- Both origination charges are 0 USD and 0%, so nothing is added upfront.
- Early repayment is free, so the balance can be cleared sooner than the term allows.
Cons
- A hard credit search runs at application, and a decline can leave a mark on the file.
- The minimum loan is from $1,000 and the term runs 60 to 180 months, so smaller needs still mean a long repayment stretch.
- Pricing is fixed rate only, so there is no variable-rate option for a cheaper start.
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%.
LendKey
Who it suits
- Students at eligible schools who can support a fixed rate with their own credit or a cosigner's.
- Parents and relatives acting as a cosigner when a student's own file is thin.
- Borrowers folding student debt into one balance, since student and debt consolidation covers consolidation.
Who should look elsewhere
- Not for euro borrowers: Creduma ES sets a floor of from €12,000, a separate currency and market.
- Not for Spanish borrowers: Sofkredit prices at 10.74% to 18.06% and lends outside the US system.
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
LendKey
Current offer
Discount code
0.25% autopay interest rate reduction on private student loans: 0.25% APR reduction
Enrol in automatic monthly payments from a checking or savings account with the lender; the reduction is removed and the rate raised by 0.25% on cancellation or failed collection
Source, checked September 26, 2026
Country by country
| Country | Andacredito | LendKey |
|---|---|---|
| Spain | Yes | No |
| United States | No | 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.
LendKey
What rate will I pay on a LendKey private student loan?+
Prices depend on your own credit, though published offers run at 2.09% to 15.54%. The rate type is fixed, so once a partner lender takes your application the figure holds across the term of 60 to 180 months rather than resetting as market rates move.
What fees are charged for taking out the loan?+
The origination fee is 0 USD and the percentage origination charge is 0%, so arranging the loan adds little. The cost to plan around is the interest on the balance you keep, which runs across a term of 60 to 180 months.
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