Updated September 28, 2026 · BorrowCue Editorial Team
Cashper ES vs CashXpress
What sets them apart
| Compare |  Cashper ES | CashXpress ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 2,450% to 59,141% | 0% to 726.35%Lower |
| Loan amount | €50 to €1,000 | ₱1,000 to ₱50,000 |
| Term | 15 to 45 months | 180 to 365 monthsHigher |
| Arrangement fee | Gastos de gestion: EUR 15-305 for 15/30 day terms; EUR 16-80 for 16-45 day terms on loans up to EUR 250 | PHP 1,000 |
| Credit check | Hard | None |
| Funding time | Transfer effective in 24 to 48 hours | Funds within 24 hours of approval |
| Representative example | Loan of EUR 200 over 30 days, fee EUR 65, total repayable EUR 265, TAE (APR) 2,968.7% | 10,000 PHP for 182 days at 700% APR, total to repay 38,999 PHP |
| Lender type | Direct lender | Broker |
| Eligibility | Natural person of legal age with permanent residence in Spain | 21-70 years old, Filipino citizen living in the Philippines, employed or with stable income, active mobile number, active bank account or e-wallet, one valid government ID |
| Loan types | Personal, PaydayCovers more | Personal |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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Key differences
- CashXpress scores higher overall: 9.1 vs 9.0.
- Cashper ES is licensed in 1 more country.
- Cashper ES is available in 1 more country.
- APR is lower at CashXpress: 0% to 726.35% vs 2,450% to 59,141%.
- Term is higher at CashXpress: 180 to 365 months vs 15 to 45 months.
- Loan types: only Cashper ES offers Payday.
Our verdict on each
Cashper ES
Cashper ES is a Spanish short-term lender for adults with permanent residence in Spain who need a small sum quickly rather than a long personal loan. The catch is cost: the stated APR runs 2,450% to 59,141% on fixed-rate personal and payday loans of €50 to €1,000.
CashXpress
CashXpress suits employed Filipino adults with poor credit who need money quickly and face no credit check. Personal loans run PHP 1,000 to PHP 50,000 at an APR of 0% to 726.35%, funds arrive Funds within 24 hours of approval, and the headline cost is easy to underestimate once the origination fee is counted.
Score breakdown
| Area | Cashper ES | CashXpress |
|---|---|---|
| Cost | 8.6 | 9.9Higher |
| Offer | 9.0Fixed-rate loans with free early repayment, but 2,450% to 59,141% on sums of €50 to €1,000 pulls the offer score down. | 9.1HigherAPR 0% to 726.35% plus an origination fee of PHP 1,000: quick payout, weak on cost. |
| Trust | 9.2Higher | 8.3 |
Which one suits you
Pick Cashper ES if trust and loan types matter most.
Pick CashXpress if cost, apr, and term matter most.
How they place
| Ranking | Cashper ES | CashXpress |
|---|---|---|
| Personal loans | 691 of 1920 | 558 of 1920 |
Ranges side by side
| Fact | Cashper ES | CashXpress |
|---|---|---|
| APR | 2,450% to 59,141% | 0% to 726.35% |
| Term | 15 to 45 months | 180 to 365 months |
Where these facts come from
Cashper ES
- cashper.es: 16 facts, checked September 26, 2026
CashXpress
- cashxpress.ph: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Cashper ES | CashXpress |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Bank DiMare Limited | Cash-Express Philippines Financing Inc. |
| Headquarters | Malta | Philippines |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Cashper ES | CashXpress | Median |
|---|---|---|---|
| APR | 2,450% to 59,141%highest quarter | 0% to 726.35%lowest quarter | 8.99 |
| Term | 15 to 45 monthsbelow the median | 180 to 365 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Cashper ES
Pros
- Repay early with no extra charge, so a bonus or a windfall can clear the balance early.
- Quick disbursement: Transfer effective in 24 to 48 hours.
- Fixed-rate terms on both personal and payday loans, so the rate does not move with the market.
Cons
- The rate is the sticking point: 2,450% to 59,141%, far above the 36.5% typical across the payday ranking here.
- The arrangement fee is charged on the shortest terms, and again on the longer terms for smaller loans.
- A hard credit check (hard) at application, so a decline still leaves a trace on your file.
CashXpress
Pros
- No credit check, and poor credit is accepted, so a bureau score does not block the application.
- Funds Funds within 24 hours of approval, which matters when the need is an emergency.
- Licensed by the Securities and Exchange Commission (Philippines), with a named legal entity behind the site.
Cons
- CashXpress charges 0% to 726.35%, while the site's personal loan APR median is 12.25%.
- An origination fee of PHP 1,000 is added on top of the interest.
- The book is personal loans only, so a home improvement project has no secured route to a cheaper rate.
Who each suits
Cashper ES
Who it suits
- Adults with permanent residence in Spain who need a bridging sum between payslips.
- Borrowers who want one fixed rate and no early repayment penalty.
- People who can handle a hard credit check and read a very high rate before applying.
Who should look elsewhere
- Monzo Flex, whose listed APR of 10% to 23% sits far below Cashper's 2,450% to 59,141%.
- Cashspace ES, whose listed APR of 0% undercuts Cashper's 2,450% to 59,141% by a wide margin.
CashXpress
Who it suits
- Filipino adults with poor credit who are turned away by a credit check elsewhere, and who need PHP 1,000 to PHP 50,000 rather than a cheque from a bank queue.
- Borrowers weighing a broker with no credit check against cheaper lenders such as Cashspace at PHP 12 to PHP 36.
- People paying for home improvement work who need cash in hand faster than a normal bank turnaround.
Who should look elsewhere
- Borrowers after the cheapest rate: Cashspace ES lists an APR of 0%, far below 0% to 726.35%.
- Anyone who can pass a credit check and wants to borrow more cheaply: Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% costs less to owe.
- Applicants planning a long repayment: terms of 180 to 365 months mean that many months of interest at 0% to 726.35%.
Current offers
CashXpress
Current offer
First period offer
Promo offer for New Customers (First Time Loan): 0% interest for the first 7 days
New customers, first time loan; then 1.99% per day for the rest of the loan duration; minimum term 180 days, maximum term 365 days
Source, checked September 26, 2026
Country by country
| Country | Cashper ES | CashXpress |
|---|---|---|
| Malta | Yes | No |
| Philippines | No | Yes |
| Spain | Yes | No |
Questions about each
Cashper ES
What rate do you pay on a Cashper loan?+
Cashper charges a fixed rate, so the percentage you sign for is the one that applies through the term. The stated APR runs 2,450% to 59,141%, and that headline figure is what makes a short loan look expensive: a small balance carried briefly turns into a large annual number. Weigh 2,450% to 59,141%, not the cash you hand back.
Is there an arrangement fee on top?+
There is a handling charge, and it is not spread evenly. It applies to the shortest terms, and on smaller loans in the lower part of €50 to €1,000 it also applies across the longer terms. Because the charge follows term length and size, the smallest sum over the shortest 15 to 45 you can clear keeps it down.
CashXpress
How much does a CashXpress personal loan cost?+
The published representative example repays far more than it lends, so judge the offer on the total repay figure rather than the headline rate. Interest runs at 0% to 726.35%, and an origination fee of PHP 1,000 is charged on top, which makes a short loan expensive in absolute terms.
Does CashXpress run a credit check?+
There is no credit check, and applicants with poor credit are accepted. CashXpress works as a broker, so an application goes to lenders who set their own pricing, which is why the rate can land anywhere in the 0% to 726.35% range.