Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Youmoney ES
What sets them apart
| Compare |  Andacredito |  Youmoney ES |
|---|---|---|
| APR | 0% to 36% | 0% to 349% |
| Loan amount | €100 to €5,000Higher | €50 to €1,000 |
| Term | 2 to 3 months | 0.23 to 36 monthsHigher |
| Funding time | 10 minutes | 15 minutes to 24 hours |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Payday, Secured |
| Credit check | Not confirmed | Hard |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Arrangement fee (0 EUR), Rate type (Variable), 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
- Youmoney ES scores higher overall: 8.9 vs 8.7.
- Loan amount is higher at Andacredito: €100 to €5,000 vs €50 to €1,000.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 2 to 3 months.
- Support channels: only Youmoney ES offers Chat, Help centre.
- Loan types: only Andacredito offers Car, Business, Student.
- Loan types: only Youmoney ES offers Secured.
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Andacredito | Youmoney ES |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.3 | 8.5HigherBroker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.3 | 8.3 |
Where they rank in our lists
| Ranking | Andacredito | Youmoney ES |
|---|---|---|
| Personal loans | 13 of 1932 | 31 of 1932 |
| Payday and short-term loans | 4 of 246 | 13 of 246 |
| Loans for bad credit | 9 of 275 | 18 of 275 |
Ranges side by side
| Fact | Andacredito | Youmoney ES |
|---|---|---|
| APR | 0% to 36% | 0% to 349% |
| Loan amount | €100 to €5,000 | €50 to €1,000 |
| Term | 2 to 3 months | 0.23 to 36 months |
Pick Andacredito if, pick Youmoney ES if
Pick Andacredito if loan amount matter most.
Pick Youmoney ES if cost and term matter most.
Every fact side by side
| Fact | Andacredito | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Findao Sp. z o.o. |
| Headquarters | Estonia | Poland |
| Support channels | Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Youmoney ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 0.23 to 36 monthsbelow 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.
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
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%.
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Youmoney 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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.
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