Updated September 29, 2026 · BorrowCue Editorial Team
Andacredito vs Quick Car Finance
Andacredito vs Quick Car Finance: the differences
| Compare |  Andacredito |  Quick Car Finance |
|---|---|---|
| APR | 0% to 36%Lower | 9.9% to 60% |
| Loan amount | €100 to €5,000 | £3,000 to £50,000 |
| Term | 2 to 3 months | 12 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 |
| Funding time | 10 minutes | 1-3 working days |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Rate type | Variable | Fixed |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 18+, UK resident |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Car |
| Credit check | Not confirmed | Soft prequal |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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
- APR is lower at Andacredito: 0% to 36% vs 9.9% to 60%.
- Free early repayment: only Andacredito.
- Term is higher at Quick Car Finance: 12 to 60 months vs 2 to 3 months.
- Loan types: only Andacredito offers Personal, Payday, 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.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | Andacredito | Quick Car Finance |
|---|---|---|
| Cost | 9.5Higher | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.3 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 8.3 | 8.6HigherBroker model of broker under licence 764855. |
Side by side, item by item
| Loan types | Andacredito | Quick Car Finance |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | Yes | No |
Ranges side by side
| Fact | Andacredito | Quick Car Finance |
|---|---|---|
| APR | 0% to 36% | 9.9% to 60% |
| Term | 2 to 3 months | 12 to 60 months |
How they place
| Ranking | Andacredito | Quick Car Finance |
|---|---|---|
| Loans for bad credit | 9 of 275 | 3 of 275 |
| Car loans | 3 of 431 | 2 of 431 |
Every fact side by side
| Fact | Andacredito | Quick Car Finance |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OU | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Not confirmed |
Where each stands against the rest
| Fact | Andacredito | Quick Car Finance | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 9.9% to 60%above the median | 8.99 |
| Term | 2 to 3 monthslowest quarter | 12 to 60 monthsat the median | 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.
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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%.
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
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 | Quick Car Finance |
|---|---|---|
| Spain | Yes | No |
| United Kingdom | No | 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.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.
Other options to compare
Other matchups
- Andacredito vs Arab Islamic Bank
- Andacredito vs Oney Préstamos ES
- Andacredito vs Sofkredit
- 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 Nazivnost
- Andacredito vs Smartney
- Andacredito vs LEND.ch
- Andacredito vs Cool Credit
- Andacredito vs Moneyveo VN