Updated September 30, 2026 · BorrowCue Editorial Team
AskRobin MX vs Finipay
What sets them apart
| Compare |  AskRobin MX |  Finipay |
|---|---|---|
| Loan amount | COP 100,000 to COP 10,000,000 | €300 to €5,000 |
| Term | 1 to 36 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 | 0 EUR |
| Lender type | Marketplace | Broker |
| Eligibility | Colombian citizen, over 18, email address, mobile number, provable income, Cedula de Ciudadania, and an active bank account in the applicant's own name | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email |
| Loan types | Personal, Debt consolidation | Personal, Payday, Debt consolidation, CarCovers more |
| APR | Not confirmed | 0% to 212% |
| Credit check | Hard | Not confirmed |
| Funding time | Not confirmed | Under 24 hours |
| Representative example | Not confirmed | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Finipay scores higher overall: 8.9 vs 8.5.
- Term is higher at Finipay: 3 to 60 months vs 1 to 36 months.
- Support channels: only AskRobin MX offers Chat, Community.
- Support channels: only Finipay offers Phone.
- Loan types: only Finipay offers Payday, Car.
Our verdict on each
AskRobin MX
askRobin Colombia is a marketplace that matches Colombian applicants with lenders, and it suits people who want a personal loan or to consolidate debt with no origination fee. Borrowing runs COP 100,000 to COP 10,000,000 over 1 to 36, with a hard credit check on every application.
Finipay
Finipay suits Spanish adults with poor credit who need a small euro loan quickly and want no set-up charge. The trade-off is cost: an APR band of 0% to 212% and a representative example where a short loan costs far more to repay than to borrow.
Score breakdown
| Area | AskRobin MX | Finipay |
|---|---|---|
| Cost | Not confirmed | 9.7The 0% to 212% band is far wider than the 12.25% midpoint for personal loans here, so cost depends almost entirely on your credit file. |
| Offer | 9.0Higher | 8.8 |
| Trust | 8.2 | 8.3Higher |
From lowest to highest
| Fact | AskRobin MX | Finipay |
|---|---|---|
| Term | 1 to 36 months | 3 to 60 months |
What we checked
AskRobin MX
- co.askrobin.com: 12 facts, checked September 26, 2026
Finipay
- finipay.es: 16 facts, checked September 26, 2026
How they place
| Ranking | AskRobin MX | Finipay |
|---|---|---|
| Personal loans | 43 of 1920 | 19 of 1920 |
| Debt consolidation loans | 16 of 425 | 9 of 425 |
| Home improvement loans | 19 of 562 | 9 of 562 |
Every fact side by side
| Fact | AskRobin MX | Finipay |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Finceptiv OU | Finceptiv OU |
| Headquarters | Estonia | Estonia |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Chat, Help centre, Community | Phone, Email, Help centre |
Where each stands against the rest
| Fact | AskRobin MX | Finipay | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 212%lowest quarter | 8.99 |
| Term | 1 to 36 monthsbelow the median | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
AskRobin MX
Pros
- The origination fee is 0, so there is no upfront cost to set up the loan
- Borrowing spans COP 100,000 to COP 10,000,000 and terms run 1 to 36
- Covers personal and debt consolidation loans, plus home improvement
Cons
- It is a marketplace, so the rate and terms depend on which lender answers your application
- Eligibility is tight: you need a Cedula de Ciudadania, provable income and a bank account in your own name
- Support runs on email, chat and help centre only, so there is no phone line to sort a disputed payment
Finipay
Pros
- Setting the loan up adds nothing: the origination fee is 0 EUR, so no charge is bolted on to the interest.
- Money arrives in Under 24 hours, and same-day funding sits in same day funding.
- Poor credit is the target: poor means the service is aimed at files mainstream lenders decline.
Cons
- Finipay is a broker rather than the lender (broker), so the rate is set by a partner lender and its terms are not spelled out here.
- The cost of a short term is severe: the representative example repays far more than it lends, and the top of 0% to 212% is steep.
- Borrowing stops at €300 to €5,000, so a larger renovation, car purchase or consolidation job needs another provider.
Who each suits
AskRobin MX
Who it suits
- Colombian citizens with a Cedula de Ciudadania and provable income
- Borrowers consolidating several debts into one payment
- Anyone who wants to see offers without paying an origination fee
Who should look elsewhere
- Anyone without provable income or an active bank account in their own name
- Borrowers who want a rate locked before they apply, since lender terms vary
- People who want phone support, as email, chat and help centre does not include it
Finipay
Who it suits
- Adults in Spain with poor credit who need a modest sum quickly and would be turned down elsewhere, since poor is the level Finipay targets.
- Borrowers who want a fee-free set-up and a fast transfer, and who will read the representative example before choosing a term.
- People covering a car, a bill to consolidate or a home improvement, given personal, payday and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers with a strong file who want the cheapest rate: Monzo Flex holds its APR at 10% to 23%, well under the top of Finipay's 0% to 212%.
- Anyone who needs to borrow more than €300 to €5,000: Cashspace lists its rate in Philippine pesos at PHP 12 to PHP 36, so it is not a euro answer to a larger sum.
- Shoppers chasing an interest-free headline rate: Cashspace ES shows an APR of 0%, while Finipay's 0% to 212% is the band where a real rate is quoted.
Current offers
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
Source, checked September 26, 2026
Country by country
| Country | AskRobin MX | Finipay |
|---|---|---|
| Colombia | Yes | No |
| Spain | No | Yes |
Questions about each
AskRobin MX
Is there any fee for taking out a loan through askRobin Colombia?+
There is no origination fee, which the company lists as 0. The cost of the loan itself comes from the interest the matched lender charges, and that rate can differ between lenders.
How much can I borrow and over what period?+
The range runs from COP 100,000 to COP 10,000,000, with terms of 1 to 36. That covers both single personal loans and loans used to consolidate existing debts, so the amount you can take is matched to the purpose.
Finipay
Is there a fee for taking out a Finipay loan?+
No arrangement charge is added. The origination fee is 0 EUR, so the money you arrange does not shrink before it reaches you. What you pay is interest on the loan, and the size of that depends on the rate you are offered and the term you choose.
How much can I borrow, and for how long?+
Loans run €300 to €5,000, and terms run 3 to 60 months. That range is built for short and medium needs such as a repair, a car deposit or a bill to consolidate. It is not a route to a large renovation, because the ceiling is well below what the biggest lenders here arrange.
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