Updated September 28, 2026 · BorrowCue Editorial Team
Cashper ES vs Lendo.no
Where Cashper ES and Lendo.no differ
| Compare |  Cashper ES |  Lendo.no |
|---|---|---|
| APR | 2,450% to 59,141% | 9.45% to 17.77%Lower |
| Loan amount | €50 to €1,000 | NOK 10,000 to NOK 600,000 |
| Term | 15 to 45 months | 12 to 180 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 | 0 NOK |
| Funding time | Transfer effective in 24 to 48 hours | Bank pays the money out after approval; banks can take up to 24 hours to answer and documentation takes 1-3 business days |
| Representative example | Loan of EUR 200 over 30 days, fee EUR 65, total repayable EUR 265, TAE (APR) 2,968.7% | 140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK |
| Lender type | Direct lender | Marketplace |
| Eligibility | Natural person of legal age with permanent residence in Spain | Age 18-75; minimum income 120,000 NOK gross per year (not daily pay or stipend); no registered payment remarks or collection cases; own email address and a Norwegian phone number; non-Norwegian citizens need a Norwegian national identity number and at least 3 years of residence in Norway |
| Loan types | Personal, Payday | Personal, Debt consolidation, Credit line, Car, Secured |
| Rate type | Fixed | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Free early repayment (Yes).
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Key differences
- Cashper ES scores higher overall: 9.0 vs 8.9.
- Cashper ES is licensed in 1 more country.
- Cashper ES is available in 1 more country.
- APR is lower at Lendo.no: 9.45% to 17.77% vs 2,450% to 59,141%.
- Term is higher at Lendo.no: 12 to 180 months vs 15 to 45 months.
- Support channels: only Lendo.no offers Chat.
- Loan types: only Cashper ES offers Payday.
- Loan types: only Lendo.no offers Debt consolidation, Credit line, 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.
Lendo.no
Lendo is a Norwegian loan marketplace that suits borrowers who would rather see offers from several banks than apply to a single lender. Personal loans run NOK 10,000 to NOK 600,000 at effective rates of 9.45% to 17.77%, with the origination fee at 0 NOK and free early repayment.
Score breakdown
| Area | Cashper ES | Lendo.no |
|---|---|---|
| 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. | 9.4HigherMarketplace lending spreads offers across banks, with personal loan rates of 9.45% to 17.77% and an origination fee of 0 NOK. |
| Trust | 9.2Higher | 8.4 |
Feature by feature
| Loan types | Cashper ES | Lendo.no |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
Ranges side by side
| Fact | Cashper ES | Lendo.no |
|---|---|---|
| APR | 2,450% to 59,141% | 9.45% to 17.77% |
| Term | 15 to 45 months | 12 to 180 months |
Sources behind this comparison
Cashper ES
- cashper.es: 16 facts, checked September 26, 2026
Lendo.no
- lendo.no: 16 facts, checked September 26, 2026
- no.linkedin.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Cashper ES | Lendo.no |
|---|---|---|
| Personal loans | 691 of 1920 | 810 of 1920 |
Every fact side by side
| Fact | Cashper ES | Lendo.no |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Credit line |
| Legal entity | Bank DiMare Limited | Lendo AS (org. nr. 997 523 814) |
| Headquarters | Malta | Norway |
| Founded | Not confirmed | 2012 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | Cashper ES | Lendo.no |
|---|---|---|
| Initial rate | Not confirmed | 4.89% to 5.84% |
| APRC | Not confirmed | 5.37% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | NOK 0 |
| Purpose | Not confirmed | Remortgage |
Where each stands against the rest
| Fact | Cashper ES | Lendo.no | Median |
|---|---|---|---|
| APR | 2,450% to 59,141%highest quarter | 9.45% to 17.77%above the median | 8.99 |
| Term | 15 to 45 monthsbelow the median | 12 to 180 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.
Lendo.no
Pros
- As a marketplace it places bank offers behind a single application, spanning personal, debt consolidation, credit line, car and secured loans (personal, debt consolidation and credit line).
- Fees of 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment costs nothing extra.
- Remortgage offers carry an initial rate of 4.89% to 5.84%, an APRC of 5.37% and borrowing up to 90% of property value.
Cons
- Applicants must clear registered payment remarks and collection cases, plus a minimum income, an own email address and a Norwegian phone number.
- Credit checks are hard (hard), so a full search runs rather than a soft prequalification.
- Payout waits on the bank for an answer and a documentation check, so plan for a waiting period.
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.
Lendo.no
Who it suits
- Norwegian borrowers with a registered income and a clean payment record who want bank offers side by side.
- People consolidating debts or paying for home improvement, which is a listed use (home improvement).
- Homeowners remortgaging, where offers start at an initial rate of 4.89% to 5.84%.
Who should look elsewhere
- Readers who want a single lender rather than a bank marketplace: Monzo Flex quotes 10% to 23%.
- Borrowers settled on a higher rate profile: Cashspace lists PHP 12 to PHP 36.
Country by country
| Country | Cashper ES | Lendo.no |
|---|---|---|
| Malta | Yes | No |
| Norway | 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.
Lendo.no
What fees does Lendo charge?+
The arrangement fees sit at 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment is free. The interest rate comes from the bank that answers your application, with personal loan rates running 9.45% to 17.77%.
Who regulates Lendo?+
Lendo acts as a marketplace, so it introduces you to banks and the lending contract is with the bank, not with Lendo. Its Norwegian licence sits with Finanstilsynet, and consumer loan rates run 9.45% to 17.77%. The published representative example shows what borrowing costs once interest is added to the amount taken.