Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs Sofkredit
AU Small Finance Bank vs Sofkredit: the differences
| Compare |  AU Small Finance Bank |  Sofkredit |
|---|---|---|
| APR | up to 30% | 10.74% to 18.06% |
| Loan amount | ₹25,000 to ₹1,500,000 | €12,000 to €300,000 |
| Term | 12 to 60 months | 6 to 240 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Funding time | Within 24 hours | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Lender type | Direct lender | Broker |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | up to 4% | 6% to 9% |
| Loan types | Personal, Debt consolidation | Secured, Debt consolidation, Business |
| Credit needed | Good | Poor |
| Credit check | Not confirmed | Soft prequal |
| Representative example | Not confirmed | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Rate type | Fixed | Not confirmed |
| Free early repayment | No | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- AU Small Finance Bank scores higher overall: 8.9 vs 8.6.
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 2 more countries.
- Term is higher at Sofkredit: 6 to 240 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Chat.
- Loan types: only AU Small Finance Bank offers Personal.
- Loan types: only Sofkredit offers Secured, Business.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank is a direct lender in India, so a personal loan comes straight from the bank with a fixed rate and no broker in between. It suits borrowers with a good credit record who want personal or debt consolidation money of INR 25,000 to INR 1,500,000 and a payout Within 24 hours.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | AU Small Finance Bank | Sofkredit |
|---|---|---|
| Cost | 8.2 | 8.5Higher |
| Offer | 9.2Direct lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 9.3Higher | 8.3 |
Where each is licensed and available
| Country | AU Small Finance Bank | Sofkredit |
|---|---|---|
| India | Not confirmed | |
| Italy | Not confirmed | |
| Spain | Not confirmed | Banco de Espana E020 |
Additional countries for AU Small Finance Bank: 1. Additional countries for Sofkredit: 3.
Feature by feature
| Loan types | AU Small Finance Bank | Sofkredit |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Business | No | Yes |
From lowest to highest
| Fact | AU Small Finance Bank | Sofkredit |
|---|---|---|
| APR | up to 30% | 10.74% to 18.06% |
| Term | 12 to 60 months | 6 to 240 months |
| Origination fee (%) | up to 4% | 6% to 9% |
If neither fits
CreditPlus UA has term at 345 to 365 months, against 12 to 60 months for AU Small Finance Bank and 6 to 240 months for Sofkredit.
CreditPlus UA reviewHow they place
| Ranking | AU Small Finance Bank | Sofkredit |
|---|---|---|
| Debt consolidation loans | 45 of 425 | 2 of 425 |
| Mortgages | 15 of 719 | 1 of 719 |
| Remortgage deals | 14 of 351 | 1 of 351 |
| Home equity loans and HELOCs | 5 of 110 | 1 of 110 |
Every fact side by side
| Fact | AU Small Finance Bank | Sofkredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | AU Small Finance Bank Limited | Kova Finance, S.L. |
| Headquarters | India | Spain |
| Founded | 1996 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | AU Small Finance Bank | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Home equity, Remortgage |
Where each stands against the rest
| Fact | AU Small Finance Bank | Sofkredit | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 10.74% to 18.06%above the median | 8.99 |
| Term | 12 to 60 monthsat the median | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | up to 4%highest quarter | 6% to 9%highest quarter | 0.25 |
Median across 1005 listed lenders.
Pros and cons
AU Small Finance Bank
Pros
- Personal and debt consolidation borrowing are both offered, listed under personal and debt consolidation.
- A payout of Within 24 hours suits anyone covering a bill or a deadline rather than waiting.
- Support runs on phone, email and chat once the loan is set up.
Cons
- Free early repayment is not offered, so clearing the balance early can cost money.
- An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 makes a small loan heavier to carry than a large one.
- Applicants need a good credit record, which rules out weaker credit files.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
Who each suits
AU Small Finance Bank
Who it suits
- Borrowers with a good credit record in India who want a personal loan or debt consolidation.
- People who want money in hand quickly, with Within 24 hours funding on a fixed rate.
- Shoppers weighing this personal loan against the bank's home lending, which covers purchase, remortgage and home equity.
Who should look elsewhere
- Borrowers chasing the lowest rate on the page, since Cashspace ES lists an APR of 0%.
- Anyone who wants a lower rate ceiling to aim for, as Monzo Flex runs 10% to 23%.
- Borrowers who want to compare a wider rate band, as Cashspace runs PHP 12 to PHP 36.
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
Country by country
| Country | AU Small Finance Bank | Sofkredit |
|---|---|---|
| France | No | Yes |
| India | Yes | No |
| Italy | No | Yes |
| Spain | No | Yes |
Questions about each
AU Small Finance Bank
What rate will I pay on a AU Small Finance Bank personal loan?+
The listed APR is up to 30%, which is a ceiling rather than a rate everyone is offered. Borrowing sits on a fixed rate, so the cost does not shift mid term. The site median for personal loans is 12%, so read your own quote rather than assuming where you land.
What fees are added to the loan?+
An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 applies to the approved amount. Ask what the fee works out to in cash on your borrowing, not only as a percentage, because the minimum charge takes a larger share of a small loan than of a large one.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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