Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs Plazo ES
Cashspace vs Plazo ES: the differences
| Compare |  Cashspace |  Plazo ES |
|---|---|---|
| APR | ₱12 to ₱36 | 24.19% |
| Loan amount | ₱500 to ₱25,000 | €500 to €5,000 |
| Term | 2 to 4 months | 48 monthsHigher |
| Arrangement fee | 0 | 0 EUR |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | Money available about 10 minutes after sign-up; approval answer arrives in minutes |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | Línea de crédito revolving 1.500 EUR, TIN fijo 21,86%, TAE 24,19%, 48 monthly instalments of 47,15 EUR, total due 2.263,20 EUR |
| Lender type | Broker | Direct lender |
| Eligibility | Applicants in the Philippines, valid ID required | Over 18, DNI/NIE or European passport, resident in Spain, demonstrable income, good credit history |
| Loan types | Personal, Payday, Credit lineCovers more | Personal, Credit line |
| Credit needed | Poor | Good |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Term is higher at Plazo ES: 48 months vs 2 to 4 months.
- Support channels: only Cashspace offers Community.
- Support channels: only Plazo ES offers Chat, Phone.
- Loan types: only Cashspace offers Payday.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
Plazo ES
Plazo ES suits Spanish residents with a good credit history who want a small personal loan or a revolving credit line funded within minutes. Its 24.19% annual cost is high next to cheaper lenders, so the total repaid over 48 instalments is the figure to weigh.
Score breakdown
| Area | Cashspace | Plazo ES |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 8.724.19% annual cost sits well above cheaper lenders, and free early repayment is not offered. |
| Offer | 8.5 | 9.5HigherA personal loan and a credit line under personal and credit line, with funding within minutes of sign-up. |
| Trust | 8.3 | 8.7Higher |
Choosing between them
Pick Cashspace if loan types matter most.
Pick Plazo ES if offer, trust, and term matter most.
What each covers
| Loan types | Cashspace | Plazo ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Credit line | Yes | Yes |
Licences and countries
| Country | Cashspace | Plazo ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 6899 |
Additional countries for Cashspace: 1. Additional countries for Plazo ES: 1.
Also worth a look
Sofkredit has term at 6 to 240 months, against 2 to 4 months for Cashspace and 48 months for Plazo ES.
Sofkredit reviewWhat we checked
Cashspace
- cashspace.ph: 15 facts, checked September 26, 2026
Plazo ES
- plazo.es: 21 facts, checked September 26, 2026
How they place
| Ranking | Cashspace | Plazo ES |
|---|---|---|
| Personal loans | 33 of 1932 | 20 of 1932 |
| Lines of credit | 7 of 328 | 1 of 328 |
Every fact side by side
| Fact | Cashspace | Plazo ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Credit line, Same day funding |
| Legal entity | Fininity OU | IDFinance Plazo, S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2021 |
| Support channels | Email, Help centre, Community | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Cashspace | Plazo ES | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 48 monthsbelow the median | 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.
Plazo ES
Pros
- The approval answer arrives in minutes and the money is available in your account shortly after you sign up, so a cost that cannot wait can be covered the same day.
- The origination fee is 0 EUR on the personal loan and the credit line, so the cost sits in the rate rather than in a setup charge.
- The rate is fixed, so an instalment does not rise when market rates move.
Cons
- The annual cost of 24.19% sits well above 12% for the median brand on the site, so the interest does most of the work in what you repay.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not bring the cost down, while 81.2% of the brands compared do offer it.
- Applications run a hard credit check, so an outcome here can also weigh on other credit applications you make.
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
Plazo ES
Who it suits
- Adults living in Spain with a DNI/NIE or a European passport, demonstrable income and a good credit history.
- Borrowers who want both a personal loan and a revolving credit line from the same firm, since the range covers personal and credit line.
- People who can carry a 24.19% annual cost and value money in the account within minutes of signing up.
Who should look elsewhere
- Readers chasing a lower annual cost, since Monzo Flex quotes 10% to 23% against 24.19%.
- Borrowers who plan to finish early, since free early repayment is not offered here while most of the site comparison does offer it.
- Anyone needing a sum above €500 to €5,000, where Cashspace at PHP 12 to PHP 36 is set in a different currency and market.
Current offers
Plazo ES
Current offer
Bonus
Cashback on purchases with the Plazo card: Up to 15% cashback at favourite brands
Only when paying with the Plazo card; subject to meeting eligibility conditions and validity of the offers
Source, checked September 26, 2026
Country by country
| Country | Cashspace | Plazo ES |
|---|---|---|
| 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.
Plazo ES
What does borrowing from Plazo ES cost?+
Plazo ES charges an annual cost of 24.19% on a fixed basis, and the origination fee is 0 EUR, so there is no setup charge to add. The published representative example is a revolving credit line repaid in 48 monthly instalments, and the total due comes to noticeably more than the amount drawn. That gap is the real cost to weigh.
Is Plazo ES a regulated lender?+
Plazo ES is a direct lender listed with Banco de España under 6899, so a Spanish supervisor is responsible for how it conducts that business. A loan is a borrowing contract rather than a savings account, so what you owe comes from the published terms, and the register entry is the detail worth checking before you sign.
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