Updated September 28, 2026 · BorrowCue Editorial Team
Cashper ES vs Credit+
Cashper ES vs Credit+: the differences
| Compare |  Cashper ES |  Credit+ |
|---|---|---|
| APR | 2,450% to 59,141% | 0.1% to 0.5%Lower |
| Loan amount | €50 to €1,000 | ₹8,000 to ₹35,000 |
| Term | 15 to 45 months | 91 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 | 5% to 7% processing charges, deducted from the loan at disbursement |
| Funding time | Transfer effective in 24 to 48 hours | 15-20 minutes |
| Rate type | Fixed | Variable |
| Eligibility | Natural person of legal age with permanent residence in Spain | Indian citizens aged 18-55, salaried professionals, minimum monthly salary INR 20,000, salary credited to an active bank account, minimum credit score 680 |
| Loan types | Personal, PaydayCovers more | Personal |
| Representative example | Loan of EUR 200 over 30 days, fee EUR 65, total repayable EUR 265, TAE (APR) 2,968.7% | Not confirmed |
| Origination fee (%) | Not confirmed | 5% to 7% |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Credit+ scores higher overall: 9.2 vs 9.0.
- Cashper ES is licensed in 1 more country.
- Cashper ES is available in 1 more country.
- APR is lower at Credit+: 0.1% to 0.5% vs 2,450% to 59,141%.
- Term is higher at Credit+: 91 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.
Credit+
Credit+ suits salaried professionals with a good credit score who want a personal loan for home improvement funded quickly. Disbursement takes 15-20 minutes, the rate is variable and early repayment is free, but processing charges of 5% to 7% come off the loan before it reaches your account.
Score breakdown
| Area | Cashper ES | Credit+ |
|---|---|---|
| Cost | 8.6 | 9.1Higher |
| 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. | 9.2HigherOffer scores on a 0.1% to 0.5% rate band, a 91 month term and a hard credit check. |
| Trust | 9.2 | 9.2 |
From lowest to highest
| Fact | Cashper ES | Credit+ |
|---|---|---|
| APR | 2,450% to 59,141% | 0.1% to 0.5% |
Where they rank in our lists
| Ranking | Cashper ES | Credit+ |
|---|---|---|
| Personal loans | 691 of 1920 | 448 of 1920 |
Every fact side by side
| Fact | Cashper ES | Credit+ |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Bank DiMare Limited | Credify Technologies Private Limited |
| Headquarters | Malta | India |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Cashper ES | Credit+ | Median |
|---|---|---|---|
| APR | 2,450% to 59,141%highest quarter | 0.1% to 0.5%lowest quarter | 8.99 |
| Term | 15 to 45 monthsbelow the median | 91 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 5% to 7%highest quarter | 0.25 |
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.
Credit+
Pros
- The standout feature is same day funding, with 15-20 minutes from approval to your account.
- Early repayment is free, so a windfall can clear the balance early.
- It is a direct lender, so one party handles the application and the payout.
Cons
- Processing charges of 5% to 7% come off the loan at disbursement, so the approved amount never reaches you in full.
- The rate is variable, so instalments can move with the market rather than staying level.
- The credit check is hard, so a search sits on your file.
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.
Credit+
Who it suits
- Salaried professionals whose salary is credited to an active bank account.
- Borrowers who need the money quickly for home improvement work.
- Anyone comfortable with a good credit score and the eligibility rules.
Who should look elsewhere
- Monzo Flex, whose rate of 10% to 23% sits in a different market and currency.
- Cashspace, at PHP 12 to PHP 36, if a published rate band is easier to weigh than a variable rate.
- Cashspace ES, where the listed rate of 0% is worth checking first if you can qualify.
Current offers
Credit+
Current offer
Bonus
10x Coins on Your First Loan: 10x coins
Offered in the Creditt+ app on the first loan
Source, checked September 26, 2026
Country by country
| Country | Cashper ES | Credit+ |
|---|---|---|
| India | No | Yes |
| Malta | Yes | No |
| 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.
Credit+
What rate do I pay on a Credit+ loan?+
The quoted rate is 0.1% to 0.5% and the rate type is variable, so instalments can move with the market over the 91 month term rather than staying level throughout. The rate is set for each borrower at application, so an offer can differ from the headline band.
How much can I borrow?+
Loan amounts run INR 8,000 to INR 35,000, which suits a mid-sized renovation or a mix of costs rather than a property purchase. The figure you receive is set against your salary and credit file at application, and the balance is repaid over a term of 91 months.