Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Que Prestamo
Where Andacredito and Que Prestamo differ
| Compare |  Andacredito |  Que Prestamo |
|---|---|---|
| APR | 0% to 36%Lower | 7% to 35% |
| Loan amount | €100 to €5,000 | €5,000 |
| Term | 2 to 3 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 EUR | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | 10 minutes | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Origination fee (%) | 0%Lower | 3.5% |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- Andacredito scores higher overall: 8.7 vs 8.6.
- APR is lower at Andacredito: 0% to 36% vs 7% to 35%.
- Origination fee (%) is lower at Andacredito: 0% vs 3.5%.
- Term is higher at Que Prestamo: 1 to 72 months vs 2 to 3 months.
- 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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan of €5,000 decided and paid the same day, without a guarantor. Costs are the trade-off: borrowing runs at 7% to 35% and a processing fee is taken before the money lands, so the total repayable is higher than the headline rate suggests.
Score breakdown
| Area | Andacredito | Que Prestamo |
|---|---|---|
| Cost | 9.5Higher | 8.87% to 35% spans a wide band above the 12% median, and the arrangement fee is deducted from the amount paid out. |
| Offer | 8.3 | 8.6Higher |
| Trust | 8.3 | 8.3 |
Positions in our rankings
| Ranking | Andacredito | Que Prestamo |
|---|---|---|
| Personal loans | 13 of 1932 | 6 of 1932 |
Pick Andacredito if, pick Que Prestamo if
Pick Andacredito if cost, apr, origination fee (%), and loan types matter most.
Pick Que Prestamo if offer and term matter most.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Andacredito and 7% to 35% for Que Prestamo.
FINANZCHECK.de reviewWhere these facts come from
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Andacredito | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Leads for Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Que Prestamo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 7% to 35%below the median | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €5,000lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | 3.5%highest quarter | 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.
Que Prestamo
Pros
- Approval comes quickly: Approval in 5 minutes, money in your account in 15 minutes, with same day funding listed among its features
- No guarantor needed, and a current account in your own name plus a mobile number is enough to apply
- 1 to 72 of repayment term lets you match the loan length to your budget
Cons
- 7% to 35% is a wide band, and the top of it costs far more than the personal loan median of 12%
- The arrangement fee is deducted from the amount paid out, so you receive less than the amount you borrow
- It is a broker rather than the lender itself, broker, so the contract sits with a financial entity it introduces you to
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%.
Que Prestamo
Who it suits
- Residents of Spain applying for a personal loan in euros, with a current account and active mobile number
- Borrowers who value speed of approval over the lowest rate
- People who have no guarantor available and need an unsecured personal loan
Who should look elsewhere
- Anyone wanting a fixed, low rate: 7% to 35% runs to the top of the band, far above 12%
- Borrowers who need the full amount in the account, since the arrangement fee is taken out before payment
- Anyone wanting phone or chat support, as email is the only channel listed
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 | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What rate will I pay on a Que Prestamo personal loan?+
Rates run at 7% to 35%, depending on the offer a lender returns. The top of that band sits well above 12%, the personal loan median across the site, so the outcome depends on your profile and the lender matched to you. The representative example shows €5,000 borrowed producing a smaller amount received and a higher total repayable. Ask for the rate and the total repayable before accepting.
How much is deducted before the money reaches my account?+
The arrangement fee is a percentage of the loan amount, taken from the amount disbursed rather than charged later. That is why the representative example shows €5,000 requested producing a smaller amount received, with the balance owed across the term. Budget for the shortfall, because the transfer that lands in your account is the net figure, not the headline amount.
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