Updated September 30, 2026 · BorrowCue Editorial Team
Credino vs Quick Car Finance
Where Credino and Quick Car Finance differ
| Compare |  Credino |  Quick Car Finance |
|---|---|---|
| APR | 81% | 9.9% to 60%Lower |
| Loan amount | DKK 1,000 to DKK 500,000 | £3,000 to £50,000 |
| Term | 12 months | 12 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 |
| Funding time | First offers selected in about 2 minutes | 1-3 working days |
| 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) | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Lender type | Marketplace | Broker |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | 18+, UK resident |
| Credit check | Not confirmed | Soft prequal |
| Free early repayment | Not confirmed | No |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Loan types (Car), Credit needed (Poor).
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Key differences
- Quick Car Finance scores higher overall: 8.7 vs 8.2.
- APR is lower at Quick Car Finance: 9.9% to 60% vs 81%.
- Term is higher at Quick Car Finance: 12 to 60 months vs 12 months.
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.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | Credino | Quick Car Finance |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.4Offer reflects marketplace reach across car for planned spend | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 8.6HigherBroker model of broker under licence 764855. |
Licences and countries
| Country | Credino | Quick Car Finance |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 764855 |
Additional countries for Credino: 1. Additional countries for Quick Car Finance: 1.
What we checked
Credino
- credino.es: 8 facts, checked September 26, 2026
- credino.dk: 5 facts, checked September 26, 2026
Quick Car Finance
- quickcarfinance.co.uk: 14 facts, checked September 28, 2026
How they place
| Ranking | Credino | Quick Car Finance |
|---|---|---|
| Car loans | 15 of 431 | 2 of 431 |
Every fact side by side
| Fact | Credino | Quick Car Finance |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
Where each stands against the rest
| Fact | Credino | Quick Car Finance | Median |
|---|---|---|---|
| APR | 81%highest quarter | 9.9% to 60%above the median | 8.99% |
| Term | 12 monthslowest quarter | 12 to 60 monthsat the median | 60 months |
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
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
Country by country
| Country | Credino | Quick Car Finance |
|---|---|---|
| Denmark | Yes | No |
| United Kingdom | 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.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.