Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs Pezetita
Where Cashspace and Pezetita differ
| Compare |  Cashspace |  Pezetita |
|---|---|---|
| APR | ₱12 to ₱36 | 0% to 36% |
| Loan amount | ₱500 to ₱25,000 | €100 to €5,000 |
| Term | 2 to 4 months | 3 to 4 months |
| Arrangement fee | 0 | 0 EUR (no loan selection fee charged) |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | Money transferred shortly after lender approval, within minutes |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) |
| Eligibility | Applicants in the Philippines, valid ID required | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account |
| Loan types | Personal, Payday, Credit line | Personal, Payday, Debt consolidation |
| Credit check | Hard | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- Cashspace scores higher overall: 8.9 vs 8.8.
- Support channels: only Cashspace offers Community.
- Features: only Cashspace offers Credit line.
- Loan types: only Cashspace offers Credit line.
- Loan types: only Pezetita offers Debt consolidation.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
Pezetita
Pezetita suits adults in Spain who need a small short-term loan paid out quickly, with borrowing of €100 to €5,000 over 3 to 4. The catch is that it works as a broker, so a partner lender sets the final terms.
Score breakdown
| Area | Cashspace | Pezetita |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 9.7The 0 EUR (no loan selection fee charged) and an APR band of 0% to 36% keep costs at the market floor. |
| Offer | 8.5 | 8.5 |
| Trust | 8.3 | 8.3 |
Where they rank in our lists
| Ranking | Cashspace | Pezetita |
|---|---|---|
| Personal loans | 33 of 1932 | 17 of 1932 |
| Payday and short-term loans | 15 of 246 | 5 of 246 |
What each covers
| Loan types | Cashspace | Pezetita |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
Ranges side by side
| Fact | Cashspace | Pezetita |
|---|---|---|
| Term | 2 to 4 months | 3 to 4 months |
Where these facts come from
Cashspace
- cashspace.ph: 15 facts, checked September 26, 2026
Pezetita
- pezetita.com: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Cashspace | Pezetita |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Fininity OU | Fininity OÜ (registry number 14523902, VAT ID EE102112841) |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Help centre, CommunityCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Cashspace | Pezetita | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
Pezetita
Pros
- Nothing to pay for taking the loan out: 0 EUR (no loan selection fee charged).
- Fast payout, with same day funding and a transfer within minutes of a lender decision.
- Fixed pricing on fixed loans, so the repayment schedule holds for the whole 3 to 4.
Cons
- It is a broker (broker), so the lender you are matched with sets the final price, not the site you apply through.
- The window is short at 3 to 4, so a larger balance has little room to spread.
- The upper end of 0% to 36% sits well above the market median of 12%, so the headline band flatters the cheaper offers.
Who each suits
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
Pezetita
Who it suits
- Adults resident in Spain who hold a DNI or NIE, can show proof of income and keep a bank account open.
- Borrowers who need money within minutes of a lender decision rather than a waiting period.
- People who prefer a fixed rate and a fee of 0 EUR (no loan selection fee charged) on a short loan.
Who should look elsewhere
- Monzo Flex, if you want years to repay: its APR band of 10% to 23% suits a longer schedule than Pezetita's 3 to 4.
- Cashspace, if your budget needs room to breathe, since Pezetita caps the term at 3 to 4.
- Cashspace ES, if you want the lowest headline rate first, because its 0% undercuts the upper end of Pezetita's 0% to 36% band.
Current offers
Pezetita
Current offer
First period offer
First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days
New customers only; the interest rate and overpayment amount may change after completing the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Cashspace | Pezetita |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
Pezetita
What does it cost to borrow from Pezetita?+
Pezetita prices loans on a fixed basis, with an APR band of 0% to 36%. The 0 EUR (no loan selection fee charged) means no loan selection or origination charge is added to the borrow. The published example shows a short loan repaid with nothing added to the amount lent, so the total repayable matches the sum you borrowed.
Is there an arrangement or selection fee?+
The origination fee is 0 EUR (no loan selection fee charged), and the percentage fee is 0%, so nothing is taken for choosing or setting the loan up. Cost comes from the interest side instead, which is why the APR band of 0% to 36% is the number to read closely before you apply.
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