Updated October 17, 2026 · BorrowCue Editorial Team
Andacredito vs myKredit
Andacredito vs myKredit: the differences
| Compare |  Andacredito |  myKredit |
|---|---|---|
| Loan amount | €100 to €5,000Higher | €600 |
| Term | 2 to 3 months | 30 monthsHigher |
| Funding time | 10 minutes | funds transferred within 10 minutes of approval |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Adults with a valid DNI or NIE |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Payday |
| APR | 0% to 36% | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
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Key differences
- Andacredito scores higher overall: 8.7 vs 8.1.
- Loan amount is higher at Andacredito: €100 to €5,000 vs €600.
- Term is higher at myKredit: 30 months vs 2 to 3 months.
- Support channels: only Andacredito offers Email.
- Support channels: only myKredit offers Chat.
- Loan types: only Andacredito offers Personal, Car, 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.
myKredit
myKredit in Spain describes online lending and online applications. Spanish residence is one stated application criterion, not a complete list of conditions.
Score breakdown
| Area | Andacredito | myKredit |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.3Higher | 8.1 |
| Trust | 8.3 | Not confirmed |
Where each is licensed and available
Available in 1 country for both.
Also worth a look
Sofkredit has term at 6 to 240 months, against 2 to 3 months for Andacredito and 30 months for myKredit.
Sofkredit reviewWhere these facts come from
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
How they place
| Ranking | Andacredito | myKredit |
|---|---|---|
| Personal loans | 14 of 1920 | 2 of 1920 |
Every fact side by side
| Fact | Andacredito | myKredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Chat |
Where each stands against the rest
| Fact | Andacredito | myKredit | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.95 |
| Loan amount | €100 to €5,000below the median | €600lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 30 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.2% |
Median across 1190 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.
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
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%.
myKredit
Who it suits
- Spanish residents reviewing myKredit's online application route and criteria.
Who should look elsewhere
- Applicants relying on residency alone as proof they qualify.
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 | myKredit |
|---|---|---|
| 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.
myKredit
What kinds of credit does myKredit offer?+
myKredit offers short term credit that is arranged online for borrowers in Spain. The range stays focused on small sums for urgent everyday needs rather than long projects. Each request is assessed individually, so the outcome depends on the details the applicant provides. Borrowers who need a longer structure will find a different product better suited to that purpose.
Who is the service designed for?+
The service is designed for adults in Spain who hold a valid identity card or a foreigner identity number and who are comfortable managing matters online. It is less suited to anyone who prefers face to face guidance or a longer arrangement. Anyone considering the service should review the full conditions carefully before deciding.
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