Cashspace ES review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cashspace ES is a Spanish broker lending €100 to €5,000 at an APR of 0%, with an arrangement fee of 0 EUR. It suits borrowers in Spain with a thin credit file who need money quickly, not those wanting a longer term.

Key facts

Best for
Borrowers in Spain with a thin credit file who want a soft check and fast money
APR
0% (Source, checked September 26, 2026)
Loan amount
€100 to €5,000 (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
As fast as 5 minutes; most approved applicants receive their money the same day they apply (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
18+; Spain (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Fininity OU (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Same-day funding
Official website
cashspace.es

Pros and cons

Pros

  • The APR of 0% is the lowest of the brands compared here, and the arrangement fee is 0 EUR.
  • A soft prequalification check means a thin credit file is not ruled out before a full application, and the credit level needed is poor.
  • Same day funding, with most approved applicants receiving money the same day they apply.
  • Lending runs €100 to €5,000 across both a personal loan and a credit line.
  • Support runs on email and phone, so a phone call is available as well as email.

Cons

  • The agreement is with a broker rather than a direct lender, so the lender that approves you sits behind the brand.
  • Both the personal loan and the credit line cap out at €100 to €5,000, so larger borrowing sits elsewhere.
  • Applications are open to adults in Spain only, which narrows who can use it.
  • Support runs on email and phone only, with no live chat or help centre listed.
Cashspace ES

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults in Spain with a thin credit file who want a soft prequalification check rather than a hard one.
  • Borrowers who need money the same day they apply and can cover the repayments on €100 to €5,000.
  • Anyone who values a fee of 0 EUR and an APR of 0% over a longer term.

Who should look elsewhere

  • Anyone wanting a direct lender agreement rather than dealing through a broker, and who would rather read the terms of a single named lender.
  • Borrowers who need more than €100 to €5,000, since both the personal loan and the credit line stop there.
  • People outside Spain, or anyone under the minimum age, since applications are limited to adults resident there.

What borrowing costs

The headline cost of borrowing here is an APR of 0%, which is the lowest figure among the three brands compared on this page, and an arrangement fee of 0 EUR. That fee applies to the personal loan and to the credit line alike, so the entry point to the product does not cost extra. The APR also sits well under the wider market spread on this site, where rates run from 0% up to 82,901.36% across all brands listed. Because the fee is free and the rate is at the bottom of the range, the total cost of a loan here is driven almost entirely by how much you borrow and how long you take to repay it. Someone clearing the balance early pays less in interest than someone stretching the same credit over the full term.

Application and funding speed

Speed is the strongest part of the offer. Funding time is listed as as fast as a few minutes, and most approved applicants receive their money the same day they apply, which is unusually quick for a broker that passes the application to a lender. The credit check is a soft prequalification, so an initial application can be run without the full hard search that a lender would otherwise put on a credit file. Borrowing runs €100 to €5,000, with the personal loan drawn as a fixed sum and the credit line available for smaller, repeated draws. Same day funding covers a single bill or an urgent repair; a planned purchase is better served by taking the larger personal loan figure.

How it compares on our data

On our data the brand ranks at 1 of 350 for APR, placing it at the very top of the field for cost. Loan amount tells a different story: 527 of 685 places the ceiling well down the table, so the strength of this brand is the rate rather than the size of the loan. That pattern suits small and mid sized borrowing, where a low rate on a modest balance beats a high rate on a large one. The credit level needed is poor, and the credit check is a soft prequalification, so the ranking on cost is not reserved for the strongest files. A borrower who needs a large sum will find that ranking reversed, and should weigh the amount table against the rate table before applying.

The company behind it

Cashspace ES operates as a broker rather than a direct lender, which means the agreement you sign sits with a lending partner rather than with the brand itself. The legal entity behind the service is Fininity OU, registered in the European Economic Area, and the lending is aimed at the Spanish market. Support runs on email and phone, so a phone call and email are both available when an application needs chasing. As a broker, the brand matches your details against lenders rather than deciding on the money itself, and the terms you are offered come from that partner set. Eligibility is limited to adults in Spain, so the company serves a single market rather than a wider region.

How Cashspace ES compares

Where Cashspace ES is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to borrow from Cashspace ES?+

The APR is 0% and the arrangement fee is 0 EUR for both the personal loan and the credit line. That makes the cost of getting into the product minimal, and the rate sits at the bottom of the field on our data. What you pay overall still depends on how much you take and how long you hold it.

Will a credit check affect my file?+

The check listed is a soft prequalification, which is gentler on a credit file than a hard search, and the credit level needed is poor. A full hard check can still follow when a lender takes the application forward. Readers with a thin file should still read the terms before applying.

How quickly would the money arrive?+

Funding is listed as as fast as a few minutes, and most approved applicants receive their money the same day they apply. Since the brand works as a broker, the timing depends on the lender it matches you with. Speed is one of its clearer selling points.

How much can I borrow?+

Lending runs €100 to €5,000 in total, available either as a personal loan taken as one sum or as a credit line you draw against. The ceiling is the same on both. Anyone needing a larger sum will have to look elsewhere.

Do I need to live in Spain to apply?+

Eligibility is limited to adults resident in Spain, so the product is aimed at the Spanish market rather than a single wider market. Applications from outside the country are not covered. Age also matters, with a minimum age set in the terms.

Is Cashspace ES a lender or a broker?+

It is a broker, so your details are matched to a lending partner and the agreement you sign sits with that partner. The legal entity behind the service is Fininity OU, based in the European Economic Area. Readers who want to know who they are contracting with should confirm the partner before accepting an offer.

What types of loan are available?+

Two: a personal loan for a single sum and a credit line you can draw against as needed. Both are capped at €100 to €5,000 and both carry an arrangement fee of 0 EUR. A credit line suits irregular spending, while the personal loan suits a known one-off cost.

How can I get help if something goes wrong?+

Support runs on email and phone, giving you email and phone. Because the brand is a broker, it is worth keeping the name of the matched lender handy when you call. That way the same person can act on the application.

Sources

  • cashspace.es checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Features, Funding time, Lender type, Loan types, Origination fee (%)

    “Personal loans go from 100 EUR to 5,000 EUR”

  • cashspace.es/privacy-policy checked September 26, 2026

    Backs: Support channels

    “There are several ways to contact us, including by email or post ... Email: compliance@cashspace.es ... Phone: 900 293 183”

  • cashspace.es/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Eligibility, Headquarters, Legal entity, Arrangement fee

    “we transfer your personal data from the questionnaire to our partners so they can check your creditworthiness and provide you with loan offers ... you then continue on the selected partner's website...”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Representative example.

Cashspace ES

Cashspace ES

Borrowers in Spain with a thin credit file who want a soft check and fast money

8.8/10Visit

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