Updated September 28, 2026 · BorrowCue Editorial Team
Cashper ES vs Zmarta Norge
Where Cashper ES and Zmarta Norge differ
| Compare |  Cashper ES |  Zmarta Norge |
|---|---|---|
| APR | 2,450% to 59,141% | 15.52%Lower |
| Loan amount | €50 to €1,000 | NOK 5,000 to NOK 800,000 |
| Term | 15 to 45 months | 12 to 60 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 | Money in account within 1-5 business days after signing |
| Representative example | Loan of EUR 200 over 30 days, fee EUR 65, total repayable EUR 265, TAE (APR) 2,968.7% | Nom. rate 12.9 %, effective rate 15.52 %, 75 000 NOK over 5 years, cost 30 509 NOK, total 105 509 NOK |
| Lender type | Direct lender | Broker |
| Eligibility | Natural person of legal age with permanent residence in Spain | Age 20+, annual income over 120 000 NOK, taxed in Norway for more than 3 years, no payment remarks |
| Loan types | Personal, Payday | Personal, Debt consolidation, Car |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Cashper ES scores higher overall: 9.0 vs 8.8.
- Cashper ES is licensed in 1 more country.
- APR is lower at Zmarta Norge: 15.52% vs 2,450% to 59,141%.
- Term is higher at Zmarta Norge: 12 to 60 months vs 15 to 45 months.
- Support channels: only Zmarta Norge offers Chat.
- Loan types: only Cashper ES offers Payday.
- Loan types: only Zmarta Norge 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.
Zmarta Norge
Zmarta Norge suits Norwegian adults with a good credit record who want a big loan, offering borrowing of NOK 5,000 to NOK 800,000 across personal, debt-consolidation and car lending. The trade-off is the rate, and 15.52% is the number to weigh before you apply.
Score breakdown
| Area | Cashper ES | Zmarta Norge |
|---|---|---|
| Cost | 8.6 | 8.6APR ranks 223 of 350, so a 0 NOK fee does not make the total cheap. |
| 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. | 9.3Higher |
| Trust | 9.2Higher | 8.7 |
Licences and countries
| Country | Cashper ES | Zmarta Norge |
|---|---|---|
| Malta | Not confirmed | |
| Spain | Not confirmed | |
| Sweden | Not confirmed |
Additional countries for Cashper ES: 2. Additional countries for Zmarta Norge: 2.
How they place
| Ranking | Cashper ES | Zmarta Norge |
|---|---|---|
| Personal loans | 691 of 1920 | 953 of 1920 |
Every fact side by side
| Fact | Cashper ES | Zmarta Norge |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Bank DiMare Limited | Zmarta AS |
| Headquarters | Malta | Norway |
| Founded | Not confirmed | 1999 |
| Support channels | Email, Phone, Help centre | Email, Phone, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Cashper ES | Zmarta Norge | Median |
|---|---|---|---|
| APR | 2,450% to 59,141%highest quarter | 15.52%above the median | 8.99 |
| Term | 15 to 45 monthsbelow the median | 12 to 60 monthsat the median | 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.
Zmarta Norge
Pros
- The arrangement fee is 0 NOK, so nothing is charged to set the loan up.
- Loans run NOK 5,000 to NOK 800,000, enough for home improvement, and the lending covers personal, debt consolidation and car.
- Speed is a selling point: same day funding, with money reaching your account Money in account within 1-5 business days after signing.
Cons
- The rate of 15.52% is the sticking point, and it sits above plenty of rivals on the list.
- Applications run a hard credit search, hard, so a rejection is recorded on your file.
- Eligibility is narrow: adults, an income above a set threshold and a number of years taxed in Norway, and any registered payment remark counts against the application.
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.
Zmarta Norge
Who it suits
- Norwegian adults with good credit who need a large sum for home improvement.
- People comfortable applying through a broker rather than going straight to a bank.
- Borrowers who want to talk to someone, with email, phone and chat on offer.
Who should look elsewhere
- Anyone chasing the lowest rate should check Monzo Flex, whose APR runs 10% to 23%.
- Readers comparing wider rate spreads can look at Cashspace, listed at PHP 12 to PHP 36.
Country by country
| Country | Cashper ES | Zmarta Norge |
|---|---|---|
| Malta | Yes | No |
| Norway | No | Yes |
| Spain | Yes | No |
| Sweden | No | 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.
Zmarta Norge
What can I use a Zmarta Norge loan for?+
Personal loans, debt consolidation and car finance are all covered, as personal, debt consolidation and car shows. Borrowing runs NOK 5,000 to NOK 800,000, and home improvement is the named use: home improvement. Repayment terms run 12 to 60, so a larger balance can be spread over a longer window instead of one short term.
What does a Zmarta Norge loan cost?+
The arrangement fee is 0 NOK, and the rate is 15.52%. The representative example pairs a nominal rate with an effective rate above it, and shows a total repaid noticeably higher than the amount borrowed. Costs build up the longer a balance is carried, so the term you pick changes the overall price.