Updated September 28, 2026 · BorrowCue Editorial Team
Cashper AT vs Fiesta Credito
What sets them apart
| Compare |  Cashper AT |  Fiesta Credito |
|---|---|---|
| APR | 13.48% to 13.5% | 0% to 317%Lower |
| Loan amount | €100 to €1,500 | €100 to €5,000Higher |
| Term | 15 to 60 monthsHigher | 2 to 3 months |
| Credit check | Hard | Soft prequal |
| Funding time | Within 1 business day with the paid SUPER-DEAL; standard payout within 5 business days (up to 7 calendar days) | Under 15 minutes |
| Representative example | Loan amount 300 EUR, 30 days, effective annual rate 13.46% (fixed), interest 3.13 EUR, total repayable 303.13 EUR | EUR 300 over 66 days: loan cost EUR 45.26, total repayable EUR 345.25, TAE 203.72% |
| Lender type | Direct lender | Broker |
| Eligibility | Consumers resident in Austria, minimum 18 years old, regular net income | Aged 18 to 80, legal resident in Spain, Spanish bank account with IBAN, valid DNI or NIE, Spanish mobile number |
| Arrangement fee | Not confirmed | 0 EUR |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Loan types (Personal, Payday).
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Key differences
- Cashper AT scores higher overall: 9.0 vs 8.9.
- Cashper AT is available in 1 more country.
- APR is lower at Fiesta Credito: 0% to 317% vs 13.48% to 13.5%.
- Loan amount is higher at Fiesta Credito: €100 to €5,000 vs €100 to €1,500.
- Term is higher at Cashper AT: 15 to 60 months vs 2 to 3 months.
Our verdict on each
Cashper AT
Cashper AT is a small Austrian personal and payday lender for adults with regular net income who need a modest amount quickly. Loans of €100 to €1,500 run at rates of 13.48% to 13.5%, with same-day funding available on the paid deal.
Fiesta Credito
Fiesta Credito suits adults in Spain who need a modest short-term loan in a hurry and have an imperfect credit file, thanks to a soft prequalification check and funding in Under 15 minutes. The trade-off is cost: the annual rate runs 0% to 317% and the cost score is 7.3.
Score breakdown
| Area | Cashper AT | Fiesta Credito |
|---|---|---|
| Cost | 8.7 | 9.7HigherThe arrangement fee is 0 EUR and the percentage charge is 0%, but the rate is the weight in the balance. |
| Offer | 9.1HigherLoan amounts of €100 to €1,500 and terms of 15 to 60 sit well below the site medians of €876.96 and 36. | 8.7 |
| Trust | 9.2Higher | 8.2 |
Licences and countries
| Country | Cashper AT | Fiesta Credito |
|---|---|---|
| Malta | Not confirmed |
Additional countries for Cashper AT: 2. Additional countries for Fiesta Credito: 1.
Which one suits you
Pick Cashper AT if offer and term matter most.
Pick Fiesta Credito if cost, apr, and loan amount matter most.
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 13.48% to 13.5% for Cashper AT and 0% to 317% for Fiesta Credito.
FINANZCHECK.de reviewHow they place
| Ranking | Cashper AT | Fiesta Credito |
|---|---|---|
| Personal loans | 693 of 1920 | 35 of 1920 |
| Payday and short-term loans | 127 of 247 | 16 of 247 |
Every fact side by side
| Fact | Cashper AT | Fiesta Credito |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Bank DiMare Limited | Finceptiv OU |
| Headquarters | Malta | Estonia |
| Founded | Not confirmed | 2020 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Cashper AT | Fiesta Credito | Median |
|---|---|---|---|
| APR | 13.48% to 13.5%above the median | 0% to 317%lowest quarter | 8.99 |
| Loan amount | €100 to €1,500lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 15 to 60 monthsat the median | 2 to 3 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Cashper AT
Pros
- Fixed rate of fixed, so the cost does not move during the loan
- Same-day funding is listed, and standard payout lands within a few business days
- A direct lender rather than a broker, so you deal with one company
Cons
- Amounts top out at €100 to €1,500, well below the site median of €876.96
- A hard credit check means the search leaves a trace on your file
- The lending entity is Bank DiMare Limited in Malta, supervised by the Malta Financial Services Authority, so you sign with a lender based outside Austria
Fiesta Credito
Pros
- Speed is the product: same-day funding in Under 15 minutes suits a bill that cannot wait.
- The check is a soft prequalification (soft prequal), a gentler first look than a hard enquiry, and the target is poor credit files.
- The sums are contained, €100 to €5,000, so the exposure if the month goes wrong is smaller than on a large personal loan.
Cons
- The annual rate is the price of that speed, and 0% to 317% sits well above the 12% figure typical of lenders listed here.
- The term is 2 to 3, so the balance returns faster than most personal loans and there is little room to stretch a payment.
- It is a broker rather than the lender, so the rate and fees you sign are the ones on the lender's offer.
Who each suits
Cashper AT
Who it suits
- Adults resident in Austria with a regular net income
- Borrowers covering a short gap who can clear a hard credit check
- People who want a single fixed rate rather than a variable one
Who should look elsewhere
- Anyone who needs a larger loan, since the ceiling is €100 to €1,500
- Borrowers with a thin credit file, because the credit check is hard
- Monzo Flex, if a soft check matters more to you than fast payout
Fiesta Credito
Who it suits
- Adults in Spain who hold a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, and need a small sum covered in Under 15 minutes.
- Borrowers with poor credit whose file would struggle with a hard enquiry, since the initial look is a soft prequalification.
- People who can clear a bridging cost, such as an urgent repair, from the next payment rather than from savings.
Who should look elsewhere
- Anyone after a long, cheaper personal loan: 2 to 3 is a brief repayment window, and Monzo Flex at 10% to 23% suits borrowing repaid over years.
- Borrowers chasing the lowest rate, because 0% to 317% is the cost of the speed and Cashspace at PHP 12 to PHP 36 is worth checking on price.
- Anyone without a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, since eligibility asks for all three.
Current offers
Fiesta Credito
Current offer
First period offer
First 3000 EUR with no commission, repayable over 60 months: 3000 EUR, 0 EUR commission
Source, checked September 26, 2026
First period offer
First loan up to 300 EUR at 0% interest: 0% interest on first loan up to 300 EUR
New customers; repayable in a period of up to 90 days
Source, checked September 26, 2026
Country by country
| Country | Cashper AT | Fiesta Credito |
|---|---|---|
| Austria | Yes | No |
| Malta | Yes | No |
| Spain | No | Yes |
Questions about each
Cashper AT
What is the maximum I can borrow from Cashper AT?+
Loans run from €100 to €1,500, which is a small range compared with the site median amount of €876.96. That makes Cashper AT a short-term option rather than a way to fund something large, such as a car or a renovation.
What rate do I pay on a Cashper AT loan?+
The rate is 13.48% to 13.5% and it is fixed, so it holds for the whole term. The representative example shows a small loan over a short period with interest added to the amount borrowed and the total repayable sitting just above it.
Fiesta Credito
How much can I borrow, and for how long?+
Loans run €100 to €5,000 and repayments are scheduled over 2 to 3, so the balance returns quickly and the interest has little time to build. Among the 685 brands on this site ranked for loan amount, Fiesta Credito sits at 527. It suits a gap between a payment and the next, not a project that needs spreading over years.
What does it cost to borrow?+
The annual rate is 0% to 317%, and the arrangement charge is 0 EUR. The representative example makes the split visible, with the cost of borrowing taking a clear share of the total repayable over a short term. Because the rate is the weight in the balance, comparing rates across lenders matters more here than skipping a fee.