Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Prestamiau ES
Andacredito vs Prestamiau ES: the differences
| Compare |  Andacredito |  Prestamiau ES |
|---|---|---|
| Term | 2 to 3 months | 3 to 6 monthsHigher |
| Funding time | 10 minutes | 5 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Debt consolidation |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Arrangement fee (0 EUR), Lender type (Broker), Credit needed (Poor).
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.7.
- Term is higher at Prestamiau ES: 3 to 6 months vs 2 to 3 months.
- Support channels: only Prestamiau ES offers Help centre.
- Loan types: only Andacredito offers Payday, 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.
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Score breakdown
| Area | Andacredito | Prestamiau ES |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.3 | 8.5HigherAPR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 8.3 | 8.3 |
Ranges side by side
| Fact | Andacredito | Prestamiau ES |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Loan amount | €100 to €5,000 | €100 to €5,000 |
| Term | 2 to 3 months | 3 to 6 months |
Which one suits you
Pick Andacredito if loan types matter most.
Pick Prestamiau ES if cost and term matter most.
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 3 months for Andacredito and 3 to 6 months for Prestamiau ES.
Sofkredit reviewHow they place
| Ranking | Andacredito | Prestamiau ES |
|---|---|---|
| Personal loans | 13 of 1932 | 3 of 1932 |
| Loans for bad credit | 9 of 275 | 4 of 275 |
| Debt consolidation loans | 5 of 425 | 3 of 425 |
Every fact side by side
| Fact | Andacredito | Prestamiau ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Fininity OU |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Prestamiau ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 3 to 6 monthslowest quarter | 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.
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
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%.
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
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 | Prestamiau ES |
|---|---|---|
| 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.
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.
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