Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Nazivnost
Where Andacredito and Nazivnost differ
| Compare |  Andacredito |  Nazivnost |
|---|---|---|
| APR | 0% to 36%Lower | 0.037% to 30,341% |
| Loan amount | €100 to €5,000 | CZK 5,000 to CZK 200,000 |
| Term | 2 to 3 months | 2 to 12 monthsHigher |
| Arrangement fee | 0 EUR | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans |
| Funding time | 10 minutes | Within minutes of approval, at latest the next day |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc |
| Rate type | Variable | Fixed |
| Lender type | Broker | Direct lender |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts |
| Origination fee (%) | 0%Lower | 0.05% |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Business, Payday |
| Credit needed | Poor | Fair |
| Credit check | Not confirmed | Hard |
Same on both: Free early repayment (Yes).
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
- Nazivnost scores higher overall: 9.0 vs 8.7.
- APR is lower at Andacredito: 0% to 36% vs 0.037% to 30,341%.
- Origination fee (%) is lower at Andacredito: 0% vs 0.05%.
- Term is higher at Nazivnost: 2 to 12 months vs 2 to 3 months.
- Support channels: only Nazivnost offers Phone, Help centre.
- Loan types: only Andacredito offers Personal, Car, 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.
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
Score breakdown
| Area | Andacredito | Nazivnost |
|---|---|---|
| Cost | 9.5Higher | 9.3Rates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. |
| Offer | 8.3 | 8.7Higher |
| Trust | 8.3 | 8.8Higher |
Positions in our rankings
| Ranking | Andacredito | Nazivnost |
|---|---|---|
| Payday and short-term loans | 4 of 246 | 38 of 246 |
| Loans for bad credit | 9 of 275 | 57 of 275 |
| Business loans | 2 of 435 | 13 of 435 |
Licences and countries
Additional countries for Andacredito: 1. Additional countries for Nazivnost: 1.
Every fact side by side
| Fact | Andacredito | Nazivnost |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | CreditKasa s.r.o. (IČO 048 23 541) |
| Headquarters | Estonia | Czechia |
| Founded | Not confirmed | 2016 |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Nazivnost | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0.037% to 30,341%lowest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 0.05%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.
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
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%.
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
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 | Nazivnost |
|---|---|---|
| Czechia | 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.
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.
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 Smartney
- Andacredito vs LEND.ch
- Andacredito vs Cool Credit
- Andacredito vs Moneyveo VN