Updated September 28, 2026 · BorrowCue Editorial Team
Cashper AT vs SOS Credit
What sets them apart
| Compare |  Cashper AT | SOS Credit ReviewVisitVisit |
|---|---|---|
| APR | 13.48% to 13.5%Lower | 1,187% to 185,297.8% |
| Loan amount | €100 to €1,500 | CZK 1,000 to CZK 30,000 |
| Term | 15 to 60 monthsHigher | 7 to 28 months |
| Funding time | Within 1 business day with the paid SUPER-DEAL; standard payout within 5 business days (up to 7 calendar days) | Within 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 | First loan free (100% discount): loan of 8,000 CZK over 91 days, fixed annual interest 0%, RPSN (APR) 1187%, total payable 15,126 CZK |
| Eligibility | Consumers resident in Austria, minimum 18 years old, regular net income | 18+, citizen of the Czech Republic or another EU member state with permanent residence in the Czech Republic, with regular monthly income and a Czech bank account |
| Arrangement fee | Not confirmed | 7,126 CZK total cost on an 8,000 CZK, 91-day first-loan-free loan, plus 1 CZK sent for identification |
| Origination fee (%) | Not confirmed | 89.1% |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Loan types (Personal, Payday).
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Key differences
- Cashper AT scores higher overall: 9.0 vs 8.7.
- Cashper AT is available in 1 more country.
- APR is lower at Cashper AT: 13.48% to 13.5% vs 1,187% to 185,297.8%.
- Term is higher at Cashper AT: 15 to 60 months vs 7 to 28 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.
SOS Credit
SOS Credit suits Czech borrowers with regular income who need a small, fast loan and can handle steep fixed costs. It lends directly through Orange finance s.r.o. and funds within Within 15 minutes, but APR of 1,187% to 185,297.8% makes the price the thing to weigh.
Score breakdown
| Area | Cashper AT | SOS Credit |
|---|---|---|
| Cost | 8.7Higher | 8.0APR runs 1,187% to 185,297.8% on a fixed rate, well above the 12% site median. |
| 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. | 8.8 |
| Trust | 9.2 | 9.2 |
Licences and countries
| Country | Cashper AT | SOS Credit |
|---|---|---|
| Czechia | Not confirmed | |
| Malta | Not confirmed |
Additional countries for Cashper AT: 2. Additional countries for SOS Credit: 1.
How they place
| Ranking | Cashper AT | SOS Credit |
|---|---|---|
| Personal loans | 693 of 1920 | 134 of 1920 |
| Payday and short-term loans | 127 of 247 | 57 of 247 |
Every fact side by side
| Fact | Cashper AT | SOS Credit |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Bank DiMare Limited | Orange finance s.r.o. (IC 04488237) |
| Headquarters | Malta | Czechia |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Cashper AT | SOS Credit | Median |
|---|---|---|---|
| APR | 13.48% to 13.5%above the median | 1,187% to 185,297.8%highest quarter | 8.99 |
| Term | 15 to 60 monthsat the median | 7 to 28 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 89.1%highest quarter | 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
SOS Credit
Pros
- Funds arrive within Within 15 minutes, one of the faster turns around in this group
- Fixed rate loans, so payments do not shift with the market
- Lends directly as direct lender rather than routing you through a broker
Cons
- APR of 1,187% to 185,297.8% is a heavy cost for a short payday or personal loan
- A hard credit check means an application can leave a mark on your file
- Lending tops out at CZK 1,000 to CZK 30,000, so larger costs need another provider
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
SOS Credit
Who it suits
- Adults with regular monthly income and a Czech bank account
- People who value a quick decision over a low price
- Borrowers who can clear a hard credit check and repay within 7 to 28
Who should look elsewhere
- Anyone wanting cheaper borrowing, since APR reaches 1,187% to 185,297.8%
- People needing more than CZK 1,000 to CZK 30,000 or a longer term than 7 to 28
- Borrowers near the Czech personal loan median of 12% who can shop elsewhere
Current offers
SOS Credit
Current offer
Discount code
First loan free - 100% discount: 100% discount on the first loan; Admitad lists first loan up to 10,000 CZK free
New applicants; 1 CZK is sent to the client for identification when the contract is signed online
Source, checked September 26, 2026
Discount code
Automatic discount for repeat borrowers: Discount applicable to loans up to 15,000 CZK
Regular clients receive a discount automatically based on repeated requests
checked September 26, 2026
Country by country
| Country | Cashper AT | SOS Credit |
|---|---|---|
| Austria | Yes | No |
| Czechia | No | Yes |
| Malta | Yes | No |
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.
SOS Credit
How fast does SOS Credit pay out?+
Money is sent within Within 15 minutes once a loan is approved, and same-day funding is a listed feature. Applicants are adults with regular monthly income and a Czech bank account, so the account and income details matter as much as the clock.
What does a SOS Credit loan cost?+
The annual percentage rate runs 1,187% to 185,297.8%. On a first-loan-free promotion the example shows fixed annual interest at nil, yet the total payable is still well above the amount borrowed, which is why the headline discount needs reading alongside the RPSN.