Updated October 17, 2026 · BorrowCue Editorial Team
Cashper AT vs myKredit
Cashper AT vs myKredit: the differences
| Compare |  Cashper AT |  myKredit |
|---|---|---|
| Loan amount | €100 to €1,500Higher | €600 |
| Term | 15 to 60 monthsHigher | 30 months |
| Credit check | Hard | None |
| Funding time | Within 1 business day with the paid SUPER-DEAL; standard payout within 5 business days (up to 7 calendar days) | funds transferred within 10 minutes of approval |
| Eligibility | Consumers resident in Austria, minimum 18 years old, regular net income | Adults with a valid DNI or NIE |
| Loan types | Personal, PaydayCovers more | Payday |
| APR | 13.48% to 13.5% | Not confirmed |
| Representative example | Loan amount 300 EUR, 30 days, effective annual rate 13.46% (fixed), interest 3.13 EUR, total repayable 303.13 EUR | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Direct lender | Not confirmed |
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Key differences
- Cashper AT scores higher overall: 9.0 vs 8.1.
- Cashper AT is available in 1 more country.
- Loan amount is higher at Cashper AT: €100 to €1,500 vs €600.
- Term is higher at Cashper AT: 15 to 60 months vs 30 months.
- Support channels: only Cashper AT offers Email, Phone, Help centre.
- Support channels: only myKredit offers Chat.
- Loan types: only Cashper AT offers Personal.
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.
myKredit
myKredit in Spain describes online lending and online applications. Spanish residence is one stated application criterion, not a complete list of conditions.
Score breakdown
| Area | Cashper AT | myKredit |
|---|---|---|
| Cost | 8.7 | Not confirmed |
| 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. | 8.1 |
| Trust | 9.2 | Not confirmed |
Positions in our rankings
| Ranking | Cashper AT | myKredit |
|---|---|---|
| Personal loans | 693 of 1920 | 2 of 1920 |
If neither fits
Deudafix has loan amount at €5,000 to €5,000,000, against €100 to €1,500 for Cashper AT and €600 for myKredit.
Deudafix reviewEvery fact side by side
| Fact | Cashper AT | myKredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Bank DiMare Limited | Not confirmed |
| Headquarters | Malta | Not confirmed |
| Support channels | Email, Phone, Help centre | Chat |
Where each stands against the rest
| Fact | Cashper AT | myKredit | Median |
|---|---|---|---|
| APR | 13.48% to 13.5%above the median | Not confirmed | 8.95 |
| Loan amount | €100 to €1,500lowest quarter | €600lowest quarter | €40,000 |
| Term | 15 to 60 monthsat the median | 30 monthsbelow the median | 60 |
Median across 1190 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
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
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
myKredit
Who it suits
- Spanish residents reviewing myKredit's online application route and criteria.
Who should look elsewhere
- Applicants relying on residency alone as proof they qualify.
Country by country
| Country | Cashper AT | myKredit |
|---|---|---|
| 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.
myKredit
What kinds of credit does myKredit offer?+
myKredit offers short term credit that is arranged online for borrowers in Spain. The range stays focused on small sums for urgent everyday needs rather than long projects. Each request is assessed individually, so the outcome depends on the details the applicant provides. Borrowers who need a longer structure will find a different product better suited to that purpose.
Who is the service designed for?+
The service is designed for adults in Spain who hold a valid identity card or a foreigner identity number and who are comfortable managing matters online. It is less suited to anyone who prefers face to face guidance or a longer arrangement. Anyone considering the service should review the full conditions carefully before deciding.