Updated September 28, 2026 · BorrowCue Editorial Team
Cashper ES vs Finteres
Cashper ES vs Finteres: the differences
| Compare |  Cashper ES |  Finteres |
|---|---|---|
| APR | 2,450% to 59,141% | 0% to 36%Lower |
| Loan amount | €50 to €1,000 | €100 to €5,000Higher |
| Term | 15 to 45 monthsHigher | 3 to 4 months |
| 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 | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Transfer effective in 24 to 48 hours | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Representative example | Loan of EUR 200 over 30 days, fee EUR 65, total repayable EUR 265, TAE (APR) 2,968.7% | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Lender type | Direct lender | Broker |
| Eligibility | Natural person of legal age with permanent residence in Spain | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Loan types | Personal, Payday | Personal, Payday, Debt consolidation, CarCovers more |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Free early repayment (Yes).
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Key differences
- Cashper ES scores higher overall: 9.0 vs 8.8.
- Cashper ES is available in 1 more country.
- APR is lower at Finteres: 0% to 36% vs 2,450% to 59,141%.
- Loan amount is higher at Finteres: €100 to €5,000 vs €50 to €1,000.
- Term is higher at Cashper ES: 15 to 45 months vs 3 to 4 months.
- Loan types: only Finteres offers Debt consolidation, Car.
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.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | Cashper ES | Finteres |
|---|---|---|
| Cost | 8.6 | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 9.0HigherFixed-rate loans with free early repayment, but 2,450% to 59,141% on sums of €50 to €1,000 pulls the offer score down. | 8.7 |
| Trust | 9.2Higher | 8.3 |
Ranges side by side
| Fact | Cashper ES | Finteres |
|---|---|---|
| APR | 2,450% to 59,141% | 0% to 36% |
| Loan amount | €50 to €1,000 | €100 to €5,000 |
| Term | 15 to 45 months | 3 to 4 months |
Positions in our rankings
| Ranking | Cashper ES | Finteres |
|---|---|---|
| Personal loans | 691 of 1920 | 27 of 1920 |
| Payday and short-term loans | 125 of 247 | 12 of 247 |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 2,450% to 59,141% for Cashper ES and 0% to 36% for Finteres.
FINANZCHECK.de reviewWhere these facts come from
Cashper ES
- cashper.es: 16 facts, checked September 26, 2026
Finteres
- finteres.es: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Cashper ES | Finteres |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Bank DiMare Limited | Fininity OÜ |
| Headquarters | Malta | Estonia |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Cashper ES | Finteres | Median |
|---|---|---|---|
| APR | 2,450% to 59,141%highest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €50 to €1,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 15 to 45 monthsbelow the median | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 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.
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
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.
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
Current offers
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Cashper ES | Finteres |
|---|---|---|
| Malta | Yes | No |
| Spain | Yes | Yes |
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.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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