Updated September 29, 2026 · BorrowCue Editorial Team
CashXpress vs Qonto ES
CashXpress vs Qonto ES: the differences
| Compare | CashXpress ReviewSee alternativesSee alternatives |  Qonto ES |
|---|---|---|
| APR | 0% to 726.35%Lower | 19.5% |
| Loan amount | ₱1,000 to ₱50,000 | €750 to €1,000,000 |
| Term | 180 to 365 monthsHigher | 1 to 12 months |
| Credit check | None | Hard |
| Funding time | Funds within 24 hours of approval | Answer within max 48 h, money in the Qonto account within a few days |
| Eligibility | 21-70 years old, Filipino citizen living in the Philippines, employed or with stable income, active mobile number, active bank account or e-wallet, one valid government ID | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Loan types | Personal | Business, Credit line |
| Credit needed | Poor | Good |
| Arrangement fee | PHP 1,000 | Not confirmed |
| Representative example | 10,000 PHP for 182 days at 700% APR, total to repay 38,999 PHP | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- CashXpress scores higher overall: 9.1 vs 8.6.
- Qonto ES is licensed in 1 more country.
- Qonto ES is available in 29 more countries.
- APR is lower at CashXpress: 0% to 726.35% vs 19.5%.
- Term is higher at CashXpress: 180 to 365 months vs 1 to 12 months.
- Support channels: only Qonto ES offers Chat.
- Loan types: only CashXpress offers Personal.
- Loan types: only Qonto ES offers Business, Credit line.
Our verdict on each
CashXpress
CashXpress suits employed Filipino adults with poor credit who need money quickly and face no credit check. Personal loans run PHP 1,000 to PHP 50,000 at an APR of 0% to 726.35%, funds arrive Funds within 24 hours of approval, and the headline cost is easy to underestimate once the origination fee is counted.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | CashXpress | Qonto ES |
|---|---|---|
| Cost | 9.9Higher | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 9.1HigherAPR 0% to 726.35% plus an origination fee of PHP 1,000: quick payout, weak on cost. | 9.0 |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | CashXpress | Qonto ES |
|---|---|---|
| Term | 180 to 365 months | 1 to 12 months |
Feature by feature
| Loan types | CashXpress | Qonto ES |
|---|---|---|
| Personal | Yes | No |
| Credit line | No | Yes |
| Business | No | Yes |
Where each is licensed and available
| Country | CashXpress | Qonto ES |
|---|---|---|
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Philippines | Securities and Exchange Commission (Philippines) Certificate of Authority No. 1309 (SEC Registration No. CS201951088) | Not confirmed |
| Spain | Not confirmed | Banco de Espana 16958 |
Additional countries for CashXpress: 1. Additional countries for Qonto ES: 30.
Every fact side by side
| Fact | CashXpress | Qonto ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Credit line |
| Legal entity | Cash-Express Philippines Financing Inc. | QONTO |
| Headquarters | Philippines | France |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | CashXpress | Qonto ES | Median |
|---|---|---|---|
| APR | 0% to 726.35%lowest quarter | 19.5%highest quarter | 8.99 |
| Term | 180 to 365 monthshighest quarter | 1 to 12 monthslowest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
CashXpress
Pros
- No credit check, and poor credit is accepted, so a bureau score does not block the application.
- Funds Funds within 24 hours of approval, which matters when the need is an emergency.
- Licensed by the Securities and Exchange Commission (Philippines), with a named legal entity behind the site.
Cons
- CashXpress charges 0% to 726.35%, while the site's personal loan APR median is 12.25%.
- An origination fee of PHP 1,000 is added on top of the interest.
- The book is personal loans only, so a home improvement project has no secured route to a cheaper rate.
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
Who each suits
CashXpress
Who it suits
- Filipino adults with poor credit who are turned away by a credit check elsewhere, and who need PHP 1,000 to PHP 50,000 rather than a cheque from a bank queue.
- Borrowers weighing a broker with no credit check against cheaper lenders such as Cashspace at PHP 12 to PHP 36.
- People paying for home improvement work who need cash in hand faster than a normal bank turnaround.
Who should look elsewhere
- Borrowers after the cheapest rate: Cashspace ES lists an APR of 0%, far below 0% to 726.35%.
- Anyone who can pass a credit check and wants to borrow more cheaply: Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% costs less to owe.
- Applicants planning a long repayment: terms of 180 to 365 months mean that many months of interest at 0% to 726.35%.
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
Current offers
CashXpress
Current offer
First period offer
Promo offer for New Customers (First Time Loan): 0% interest for the first 7 days
New customers, first time loan; then 1.99% per day for the rest of the loan duration; minimum term 180 days, maximum term 365 days
Source, checked September 26, 2026
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | CashXpress | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 countries where either is available.
Questions about each
CashXpress
How much does a CashXpress personal loan cost?+
The published representative example repays far more than it lends, so judge the offer on the total repay figure rather than the headline rate. Interest runs at 0% to 726.35%, and an origination fee of PHP 1,000 is charged on top, which makes a short loan expensive in absolute terms.
Does CashXpress run a credit check?+
There is no credit check, and applicants with poor credit are accepted. CashXpress works as a broker, so an application goes to lenders who set their own pricing, which is why the rate can land anywhere in the 0% to 726.35% range.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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