Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs TF Bank
What sets them apart
| Compare |  Cashspace |  TF Bank |
|---|---|---|
| APR | ₱12 to ₱36 | 17.58% |
| Loan amount | ₱500 to ₱25,000 | up to €15,000 |
| Term | 2 to 4 months | up to 120 monthsHigher |
| Arrangement fee | 0 | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | within 1 business day |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | Loan 5300 EUR, fixed rate 16.30% p.a., APR 17.58%, term 80 months, 80 x 109.05 EUR, total 8724.00 EUR |
| Lender type | Broker | Direct lender |
| Eligibility | Applicants in the Philippines, valid ID required | 18+, German residence, regular income |
| Loan types | Personal, Payday, Credit line | Personal, Debt consolidation |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- TF Bank scores higher overall: 9.3 vs 8.9.
- TF Bank is available in 1 more country.
- Term is higher at TF Bank: up to 120 months vs 2 to 4 months.
- Support channels: only Cashspace offers Community.
- Support channels: only TF Bank offers Phone.
- Features: only Cashspace offers Same day funding.
- Loan types: only Cashspace offers Payday, Credit line.
- Loan types: only TF Bank 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.
TF Bank
TF Bank suits borrowers in Germany seeking a fixed rate personal or debt consolidation loan with clear monthly payments for home improvement plans. APR sits at 17.58% with funding in within 1 business day and amounts of up to €15,000 over terms of up to 120 through a direct lender setup.
Score breakdown
| Area | Cashspace | TF Bank |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 8.8Pricing centres on APR of 17.58% with fixed rate structure |
| Offer | 8.5 | 9.5HigherCovers borrowing for personal and debt consolidation with home improvement use |
| Trust | 8.3 | 9.5HigherOperates as direct lender with long operating history |
Also worth a look
Sofkredit has term at 6 to 240 months, against 2 to 4 months for Cashspace and up to 120 months for TF Bank.
Sofkredit reviewWhat we checked
Cashspace
- cashspace.ph: 15 facts, checked September 26, 2026
TF Bank
- tfbank.de: 19 facts, checked September 29, 2026
- tfbank.at: 1 fact, checked September 28, 2026
How they place
| Ranking | Cashspace | TF Bank |
|---|---|---|
| Personal loans | 33 of 1932 | 87 of 1932 |
| Lines of credit | 7 of 328 | 14 of 328 |
Every fact side by side
| Fact | Cashspace | TF Bank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Credit line |
| Legal entity | Fininity OU | Avarda Bank AB |
| Headquarters | Estonia | Sweden |
| Founded | Not confirmed | 1987 |
| Support channels | Email, Help centre, Community | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Cashspace | TF Bank | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | up to 120 monthshighest 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.
TF Bank
Pros
- Fixed pricing through fixed and fixed rate for predictable monthly budgeting
- Free arrangement with fees of 0 EUR alongside 0%
- Pre check via soft prequal with funding in within 1 business day
Cons
- Free early repayment is answered no, so settling the balance early may carry a charge
- APR of 17.58% sits higher than 12.74% to 13.01% for price sensitive borrowers
- Eligibility tied to German residence and regular income in 18+, German residence, regular income
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
TF Bank
Who it suits
- Borrowers planning home improvement using home improvement with fixed payments
- Borrowers consolidating balances using personal and debt consolidation via a direct lender
- Borrowers valuing phone and email help through email, phone and help centre
Who should look elsewhere
- Borrowers planning early repayment may prefer Ibancar Prestamos as free early repayment is answered no here
- Borrowers seeking lower APR cover may prefer Ibancar Prestamos given 12.74% to 13.01% against 17.58%
Country by country
| Country | Cashspace | TF Bank |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Philippines | Yes | No |
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.
TF Bank
What does a TF Bank loan cost in APR and fees?+
TF Bank charges APR of 17.58% on a fixed rate basis under fixed. Arrangement fees are 0 EUR with a rate of 0%. The published Representative example outlines total repayable with fixed monthly instalments over a long term.
How much can be borrowed and over what term?+
TF Bank lends amounts of up to €15,000 with terms of up to 120. The structure follows fixed rate with fixed pricing. Monthly payments stay predictable across the agreed term, which helps budgeting for larger home improvement or consolidation plans.
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