Updated September 29, 2026 · BorrowCue Editorial Team
Andacredito vs Qonto ES
What sets them apart
| Compare |  Andacredito |  Qonto ES |
|---|---|---|
| APR | 0% to 36%Lower | 19.5% |
| Loan amount | €100 to €5,000 | €750 to €1,000,000Higher |
| Term | 2 to 3 months | 1 to 12 monthsHigher |
| Funding time | 10 minutes | Answer within max 48 h, money in the Qonto account within a few days |
| Rate type | Variable | Fixed |
| Eligibility | 18 or older, bank account in Spain, ability to repay | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Business, Credit line |
| Credit needed | Poor | Good |
| Arrangement fee | 0 EUR | Not confirmed |
| 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 |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- Andacredito scores higher overall: 8.7 vs 8.6.
- Qonto ES is available in 29 more countries.
- APR is lower at Andacredito: 0% to 36% vs 19.5%.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €100 to €5,000.
- Term is higher at Qonto ES: 1 to 12 months vs 2 to 3 months.
- Support channels: only Qonto ES offers Chat, Phone, Help centre.
- Features: only Andacredito offers Same day funding.
- Features: only Qonto ES offers Credit line.
- Loan types: only Andacredito offers Personal, Payday, Car.
- Loan types: only Qonto ES offers Credit line.
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.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | Andacredito | Qonto ES |
|---|---|---|
| Cost | 9.5Higher | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 8.3 | 9.0Higher |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Andacredito | Qonto ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €750 to €1,000,000 |
| Term | 2 to 3 months | 1 to 12 months |
Side by side, item by item
| Loan types | Andacredito | Qonto ES |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Car | Yes | No |
| Business | Yes | Yes |
| Student | Yes | No |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Andacredito and 19.5% for Qonto ES.
FINANZCHECK.de reviewHow they place
| Ranking | Andacredito | Qonto ES |
|---|---|---|
| Business loans | 2 of 435 | 5 of 435 |
Every fact side by side
| Fact | Andacredito | Qonto ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | Fininity OU | QONTO |
| Headquarters | Estonia | France |
| Support channels | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Qonto ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 19.5%highest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €750 to €1,000,000highest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 1 to 12 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.
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
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%.
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
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
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 30 countries where either is available.
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.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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