Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs Solcredito
Where Cashspace and Solcredito differ
| Compare |  Cashspace |  Solcredito |
|---|---|---|
| APR | ₱12 to ₱36 | 0% to 3,752% |
| Loan amount | ₱500 to ₱25,000 | €50 to €5,000 |
| Term | 2 to 4 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 | 0 EUR |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | Decision in 15 minutes, money in your bank account within a few hours |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | 1,500.00 EUR credit line drawn in full at first draw, repaid in 12 instalments, 20.04% annual rate (1.67% monthly), resulting TAE 21.99%, no fees |
| Eligibility | Applicants in the Philippines, valid ID required | Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) |
| Loan types | Personal, Payday, Credit line | Personal, Payday, Debt consolidation, Credit lineCovers more |
| Credit check | Hard | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Solcredito scores higher overall: 9.0 vs 8.9.
- Solcredito is available in 1 more country.
- Term is higher at Solcredito: 3 to 60 months vs 2 to 4 months.
- Support channels: only Cashspace offers Community.
- Loan types: only Solcredito 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.
Solcredito
Solcredito suits Spanish borrowers with a poor credit file needing a small amount quickly, and the arrangement fee on the personal loan offer is 0 EUR. It is a broker rather than a lender, so the rate depends on which lender answers, with rates running as high as 0% to 3,752%.
Score breakdown
| Area | Cashspace | Solcredito |
|---|---|---|
| Cost | 9.8Origination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 9.9Higher |
| Offer | 8.5Higher | 8.4A broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. |
| Trust | 8.3 | 8.5Higher |
Ranges side by side
| Fact | Cashspace | Solcredito |
|---|---|---|
| Term | 2 to 4 months | 3 to 60 months |
Positions in our rankings
| Ranking | Cashspace | Solcredito |
|---|---|---|
| Personal loans | 33 of 1932 | 59 of 1932 |
| Payday and short-term loans | 15 of 246 | 29 of 246 |
| Loans for bad credit | 20 of 275 | 37 of 275 |
| Lines of credit | 7 of 328 | 9 of 328 |
Where these facts come from
Cashspace
- cashspace.ph: 15 facts, checked September 26, 2026
Solcredito
- solcredito.es: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Cashspace | Solcredito |
|---|---|---|
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Fininity OU | Fiizy OU (registration code 12694462) |
| Headquarters | Estonia | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Email, Help centre, CommunityCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Cashspace | Solcredito | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 3 to 60 monthsat the median | 60 |
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.
Solcredito
Pros
- Arrangement fee of 0 EUR on the personal loan offer, and the representative example records no fees on the credit line
- A decision in minutes and money in the account within a few hours
- Accepts a poor credit profile, which covers a large share of the loans on the site
Cons
- The cost range runs up to 0% to 3,752%, well above the 25.03% upper quartile for personal loans on the site
- Solcredito is a broker, so the lender setting the rate is not named in the offer
- Support runs on email and help centre only, with no phone line listed
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
Solcredito
Who it suits
- Adults in Spain with a poor credit profile who need money in the account the same day
- Borrowers covering home improvement who can repay inside 3 to 60
- People who prefer written support through a help centre and email rather than by phone
Who should look elsewhere
- Borrowers with a strong credit file, who will find rates well under the 0% to 3,752% ceiling on a direct lender
- Anyone needing to borrow more than €50 to €5,000 or to repay over a longer period than 3 to 60
- Readers who want a named lender and a regulated protection scheme, neither of which appears for this broker
Current offers
Solcredito
Current offer
First period offer
Extra 5000 EUR desde 0% para eventos especiales / primer prestamo al 0% de interes: 0% interest, extra amount up to 5,000 EUR
New customers, first loan, promotional event offer
Source, checked September 26, 2026
First period offer
Extra $12,000 desde 0% para eventos especiales / primer prestamo desde 0% de interes (Mexico): 0% interest, extra amount up to 12,000 MXN
New customers, first loan, Mexico offer; deposit within 24hrs claimed
checked September 26, 2026
Country by country
| Country | Cashspace | Solcredito |
|---|---|---|
| Mexico | No | Yes |
| 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.
Solcredito
What rate will I pay through Solcredito?+
Annual rates run 0% to 3,752%, a wide spread that reflects the partner lenders Solcredito works with rather than one set price. The site's median personal loan rate is 12%. The representative example shows a credit line drawn in full, repaid over a set number of instalments at a stated annual rate and monthly rate, with the resulting TAE and no fees.
Are there arrangement fees or hidden costs?+
The arrangement fee is 0 EUR on the personal loan offer, and the representative example states no fees on the credit line it illustrates. A broker can still pass on lender costs inside the rate itself, so the figure to weigh is the TAE in any offer you receive.
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