Updated September 30, 2026 · BorrowCue Editorial Team
Credino vs Finteres
Credino vs Finteres: the differences
| Compare |  Credino |  Finteres |
|---|---|---|
| APR | 81% | 0% to 36%Lower |
| Loan amount | DKK 1,000 to DKK 500,000 | €100 to €5,000 |
| Term | 12 monthsHigher | 3 to 4 months |
| Funding time | First offers selected in about 2 minutes | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Representative example | Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE) | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Lender type | Marketplace | Broker |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Loan types | Car | Personal, Payday, Debt consolidation, CarCovers more |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Credit needed (Poor).
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Key differences
- Finteres scores higher overall: 8.8 vs 8.2.
- APR is lower at Finteres: 0% to 36% vs 81%.
- Term is higher at Credino: 12 months vs 3 to 4 months.
- Loan types: only Finteres offers Personal, Payday, Debt consolidation.
Our verdict on each
Credino
Credino suits borrowers with poor credit who want to compare car or home improvement offers through a marketplace rather than applying to a direct lender. Its pricing centres on APR of 81% with origination fees of 0 EUR, so check the published example carefully before you proceed.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | Credino | Finteres |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 8.4Offer reflects marketplace reach across car for planned spend | 8.7Higher |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 8.3Higher |
Choosing between them
Pick Credino if term matter most.
Pick Finteres if cost, offer, apr, and loan types matter most.
Positions in our rankings
| Ranking | Credino | Finteres |
|---|---|---|
| Car loans | 15 of 431 | 9 of 431 |
Every fact side by side
| Fact | Credino | Finteres |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Fininity OÜ |
| Headquarters | Not confirmed | Estonia |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Credino | Finteres | Median |
|---|---|---|---|
| APR | 81%highest quarter | 0% to 36%lowest quarter | 8.99% |
| Term | 12 monthslowest quarter | 3 to 4 monthslowest quarter | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credino
Pros
- Marketplace model via marketplace lets you review varied partner offers in a single search
- Origination fees run 0 EUR so setup adds no separate charge beyond interest
- Car coverage via car suits vehicle shoppers comparing providers
Cons
- Pricing centres on APR of 81% which can make total repayment heavy for tight budgets
- Repayment window sits at 12 which limits flexibility if you hoped to spread costs
- Support runs on email only which may frustrate you if you prefer phone help
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
Who each suits
Credino
Who it suits
- Borrowers with poor credit comparing marketplace offers for car or renovation spend
- Shoppers who value prompt shortlisting described as First offers selected in about 2 minutes before detailed checks
- Borrowers comfortable managing help by email while comparing lenders
Who should look elsewhere
- Borrowers chasing lower headline APR who may prefer Ibancar Prestamos because its listed APR differs from 81%
- Borrowers wanting card style revolving credit who may prefer AXI Card Tarjeta y Credito for its card structure
- Borrowers wanting longer schedules who may avoid Credino because duration sits at 12
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
Current offers
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credino | Finteres |
|---|---|---|
| Denmark | Yes | No |
| Spain | No | Yes |
Questions about each
Credino
Is Credino a lender or a comparison service?+
Credino focuses on comparison rather than direct lending, operating as marketplace. You submit details and review partner offers, then continue with the chosen provider under its own terms and checks.
What does borrowing through Credino cost?+
The headline cost is APR of 81% alongside fees of 0 EUR. You should read the published illustration showing monthly instalments and total payable, since interest makes the total exceed the amount borrowed.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.