Updated September 29, 2026 · BorrowCue Editorial Team
CashX vs Cetelem
CashX vs Cetelem: the differences
| Compare |  CashX |  Cetelem |
|---|---|---|
| Loan amount | LKR 5,000 to LKR 300,000 | €500 to €75,000 |
| Term | 5 to 30 months | 7 to 84 monthsHigher |
| Arrangement fee | Consulting and service fees, 0% to 2.2% per day | 0 EUR |
| Funding time | Money credited to bank account within two hours of approval | Online application in about 8 minutes with an immediate pre-approval response, file studied within 72 working hours; credit line payouts by bank transfer within 2 working days |
| Representative example | Borrow RS 10,000 over 10 days, repayment RS 12,200 in total | Personal loan: EUR 15,000 borrowed over 48 months, monthly instalment EUR 341.44, fixed TAEG 4.50%, total amount due EUR 16,389.12 |
| Free early repayment | YesHas it | No |
| Loan types | Personal, Payday | Personal, Credit line, Debt consolidation, Car |
| APR | Not confirmed | 4.5% |
| Eligibility | Age 18 to 60, employed or with a steady income, located in Sri Lanka (terms page: Sri Lankan citizens aged 20 or older, site for use within Sri Lanka) | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- CashX scores higher overall: 9.2 vs 9.1.
- Free early repayment: only CashX.
- Term is higher at Cetelem: 7 to 84 months vs 5 to 30 months.
- Support channels: only CashX offers Email, Chat.
- Features: only CashX offers Same day funding.
- Features: only Cetelem offers Credit line.
- Loan types: only CashX offers Payday.
- Loan types: only Cetelem offers Credit line, Debt consolidation, Car.
Our verdict on each
CashX
CashX lends directly in Sri Lanka and pays out fast, with money reaching your bank account Money credited to bank account within two hours of approval. Borrowing suits employed adults who need a short personal or payday loan and want to clear it early without extra cost.
Cetelem
Cetelem is a French direct lender for personal loans and a revolving credit line, aimed at people funding a home project who want the payment to stay level. An APR of 4.5% on a fixed rate is the number that separates it from the lenders next to it.
Score breakdown
| Area | CashX | Cetelem |
|---|---|---|
| Cost | 9.2Higher | 8.8APR of 4.5% on a fixed basis and an origination fee of 0 EUR, ranked 56 of 350 brands on APR. |
| Offer | 9.2Higher | 8.8 |
| Trust | 9.2 | 9.5Higher |
How they place
| Ranking | CashX | Cetelem |
|---|---|---|
| Personal loans | 443 of 1920 | 521 of 1920 |
Where each is licensed and available
| Country | CashX | Cetelem |
|---|---|---|
| France | Not confirmed | ORIAS 07 023 128 |
Additional countries for CashX: 1. Additional countries for Cetelem: 1.
What each covers
| Loan types | CashX | Cetelem |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Credit line | No | Yes |
| Car | No | Yes |
Ranges side by side
| Fact | CashX | Cetelem |
|---|---|---|
| Term | 5 to 30 months | 7 to 84 months |
Every fact side by side
| Fact | CashX | Cetelem |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | A V Business Solutions (Private) Limited | BNP Paribas Personal Finance |
| Headquarters | Sri Lanka | France |
| Founded | Not confirmed | 1953 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | CashX | Cetelem | Median |
|---|---|---|---|
| APR | Not confirmed | 4.5%below the median | 8.99% |
| Term | 5 to 30 monthsbelow the median | 7 to 84 monthsabove the median | 60 |
Median across 1152 listed lenders.
Pros and cons
CashX
Pros
- Fixed rate borrowing, so the cost does not move while you repay: fixed
- Fast payout straight to a bank account: Money credited to bank account within two hours of approval
- Free early repayment, so settling sooner costs no extra fee
Cons
- Fees are heavy at the top of the range: Consulting and service fees, 0% to 2.2% per day
- The shortest representative example costs Borrow RS 10,000 over 10 days, repayment RS 12,200 in total
- Credit is aimed at poor credit files, which narrows who is likely to be accepted: poor
Cetelem
Pros
- Borrowing of €500 to €75,000 across terms of 7 to 84 months.
- A revolving credit line listed alongside personal, debt consolidation and car loans (personal, credit line and debt consolidation).
- Direct lending from BNP Paribas Personal Finance (BNP Paribas Personal Finance), so a single company holds the contract.
Cons
- Free early repayment is not included, so clearing the balance early comes with a charge.
- Support runs on phone and help centre only, with no live chat or email listed.
- Lending sits in a single market, France (FR), so borrowers elsewhere need a different provider.
Who each suits
CashX
Who it suits
- Employed adults in Sri Lanka with a steady income who need money quickly
- Borrowers who can settle the balance early and want to pay no early repayment fee
- Anyone looking for personal and payday loans from a direct lender rather than a broker
Who should look elsewhere
- Anyone outside Sri Lanka, since the site is for use within Sri Lanka and applicants must be located there
- People wanting a large long term loan, since terms run 5 to 30 and amounts top out at LKR 5,000 to LKR 300,000
Cetelem
Who it suits
- People in France planning a home improvement, the stated use case (home improvement).
- Borrowers who want the same lender for a personal loan, a credit line, debt consolidation and car finance (personal, credit line and debt consolidation).
- Anyone content to hold a fixed rate for the whole term (fixed).
Who should look elsewhere
- Borrowers outside France, who need a provider in their own market, and should weigh Monzo Flex at 10% to 23%.
- Readers chasing the lowest cost, since Cashspace lists PHP 12 to PHP 36 and Cashspace ES 0%.
- Shoppers who want chat or email help, as support runs on phone and help centre only.
Current offers
CashX
Current offer
Discount code
Exclusive offer! Interest from 0.01%: Interest from 0.01%
Source, checked September 26, 2026
Cetelem
Current offer
Bonus
iPhone 18 Pro purchase credit at 0% fixed TAEG: EUR 1,479 borrowed over 24 months, 24 instalments of EUR 61.63, total amount due EUR 1,479, fixed TAEG 0%
Purchase of an iPhone 18 Pro 256 GB financed with Cetelem; cost of the credit borne by Apple; subject to study and acceptance of the file by BNP Paribas Personal Finance; valid until 31/12/2026
Source, checked September 26, 2026
Country by country
| Country | CashX | Cetelem |
|---|---|---|
| France | No | Yes |
| Sri Lanka | Yes | No |
Questions about each
CashX
What does CashX charge for borrowing?+
CashX charges consulting and service fees, listed as Consulting and service fees, 0% to 2.2% per day. The worked example on the site shows Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, which is the clearest way to see the true cost of a short loan. Work out the total you will repay before you sign.
How fast do I get the money?+
CashX states that Money credited to bank account within two hours of approval. Same day funding is one of the features of the service, so a payday style loan can cover a bill that cannot wait for a pay cycle. Approval still depends on the checks CashX runs.
Cetelem
What does a Cetelem personal loan cost?+
The published rate is an APR of 4.5% and it is fixed (fixed), with an origination fee of 0 EUR on the loan. Borrowing runs €500 to €75,000 over terms of 7 to 84 months, and the representative example published with the product sets out the monthly instalment and the total due.
Can I repay a Cetelem loan early without a charge?+
Free early repayment is not included, so ending the loan before the agreed term comes with a cost. Borrowers who expect to clear the balance sooner should price that in first. The published term runs 7 to 84 months.