Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Youmoney
What sets them apart
| Compare |  Andacredito |  Youmoney |
|---|---|---|
| APR | 0% to 36%Lower | 25.28% to 72.19% |
| Loan amount | €100 to €5,000 | PLN 100 to PLN 10,000 |
| Term | 2 to 3 months | 24 monthsHigher |
| Arrangement fee | 0 EUR | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | 10 minutes | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Rate type | Variable | Fixed |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Origination fee (%) | 0%Lower | 33.76% |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday, Debt consolidation |
| Credit check | Not confirmed | Hard |
Same on both: Lender type (Broker), Free early repayment (Yes), 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
- Andacredito scores higher overall: 8.7 vs 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Andacredito: 0% to 36% vs 25.28% to 72.19%.
- Origination fee (%) is lower at Andacredito: 0% vs 33.76%.
- Term is higher at Youmoney: 24 months vs 2 to 3 months.
- Support channels: only Youmoney offers Chat, Phone, Help centre.
- Loan types: only Andacredito offers Car, Business, Student.
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
Youmoney suits Polish borrowers who need money within hours and who can absorb a steep rate, offering payday, instalment and consolidation loans through a single application. What you pay is the trade-off: 25.28% to 72.19%, an arrangement fee of 33.76% of the amount borrowed, and a term of 24 months.
Score breakdown
| Area | Andacredito | Youmoney |
|---|---|---|
| Cost | 9.5Higher | 8.5APR runs 25.28% to 72.19% with a 33.76% commission in the instalment-loan example, so total cost is high. |
| Offer | 8.3 | 9.2HigherCoverage spans personal, payday and debt consolidation, funding is listed as same day funding, and early repayment carries no charge. |
| Trust | 8.3Higher | 8.2 |
Which one suits you
Pick Andacredito if cost, apr, origination fee (%), and loan types matter most.
Pick Youmoney if offer and term matter most.
Side by side, item by item
| Loan types | Andacredito | Youmoney |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
Positions in our rankings
| Ranking | Andacredito | Youmoney |
|---|---|---|
| Personal loans | 13 of 1932 | 32 of 1932 |
| Payday and short-term loans | 4 of 246 | 14 of 246 |
| Loans for bad credit | 9 of 275 | 19 of 275 |
| Debt consolidation loans | 5 of 425 | 12 of 425 |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Andacredito and 25.28% to 72.19% for Youmoney.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Andacredito | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Findao sp. z o.o. |
| Headquarters | Estonia | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 25.28% to 72.19%highest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 24 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 33.76%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.
Youmoney
Pros
- Money can move fast: the stated funding time is minutes with the fastest lenders, usually a few hours, and at the latest by the end of the next business day.
- Early repayment is free, so settling the balance ahead of schedule adds no fee to the bill.
- The offer covers personal, payday and debt consolidation under a single application, which saves shopping lender by lender.
Cons
- The APR runs 25.28% to 72.19%, well above the 10% to 23% band at Monzo Flex, so the cost of access is high.
- The arrangement fee in the instalment-loan representative example is 33.76% of the amount borrowed, charged on top of the interest.
- A hard credit check runs on every application, so a rejected or repeated attempt leaves a full search on your file.
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
Who it suits
- Polish borrowers with an emergency bill or a short gap who need the money within hours rather than days.
- Applicants whose income is not a salary, including self-employed workers, pensioners and anyone on an allowance or alimony.
- Anyone planning to clear a small balance quickly, since early repayment is free and the term is 24 months.
Who should look elsewhere
- Monzo Flex, whose APR of 10% to 23% sits far below 25.28% to 72.19% for anyone who can qualify there.
- Cashspace, which quotes PHP 12 to PHP 36 in a different market, if the rate on paper matters more than the pace.
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
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| 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
What APR will I pay on a Youmoney loan?+
The advertised range is 25.28% to 72.19%, and the instalment-loan representative example sits inside that band at a fixed rate. The figure to watch is the total repayable in the example rather than the headline percentage, because the commission charged alongside the interest adds a large share of the amount borrowed.
What fees are charged on top of the interest?+
The listed charge beyond interest is the arrangement fee. In the instalment-loan representative example the commission is 33.76% of the amount borrowed, which is the largest single addition to the bill and the reason the total repayable overshoots the sum you asked for. Compare total repayable figures across quotes, not the rate alone.
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