Finandos review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Finandos is a broker for anyone with poor credit who wants a soft prequalification check rather than a full file check. It offers loans of €500 to €10,000 at an APR of 30% to 365%, so the service charge each period costs you more than the headline rate suggests.

Key facts

Best for
A loan of €500 to €10,000 for borrowers whose credit history is poor.
APR
30% to 365% (Source, checked September 26, 2026)
Loan amount
€500 to €10,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
EUR 29.99 per 30-day service period (plus EUR 0.99 for a 3-day trial) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Age 18+ (up to 75); valid ID, mobile phone, bank card and account (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
UAB GLOBAL AD LINKS (Source, checked September 26, 2026)
Headquarters
Lithuania (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
finandos.com

Pros and cons

Pros

  • Soft prequalification (soft prequal) keeps the first check lighter than a full file search.
  • Accepts applicants with a poor credit history.
  • Loans of €500 to €10,000 over terms of 12 to 120 months cover a spread of one-off bills.

Cons

  • The APR of 30% to 365% is high across the whole range, so a small loan is costly to carry.
  • Finandos is a broker (broker), so a partner lender sets the final terms.
  • Eligibility requires a valid ID, a mobile phone, a bank card and a bank account, plus being an adult past a minimum age.
Finandos

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Scored 8.5 / 10 by BorrowCue.

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Who it suits

  • Borrowers with a poor credit history who want to see soft prequalification first.
  • People who can cover a service charge each service period and can live with an APR of 30% to 365%.
  • Applicants already holding a bank card and account, as the service runs from LT.

Who should look elsewhere

  • Not Monzo Flex, if you want a lower top rate: its APR runs 10% to 23%.
  • Not Cashspace ES, if you would rather pay no interest at all, with an APR of 0%.
  • Not Cashspace, if you want a narrow rate band: PHP 12 to PHP 36 against 30% to 365% here.

How Finandos compares

Frequently asked questions

What APR does Finandos charge?+

Finandos quotes an APR of 30% to 365%, a wide band at both ends. It works as a broker, so the rate comes from the lender you are matched with, which means the figure you are actually offered falls somewhere inside that range.

What fees sit on top of the interest?+

The tariff lists a service fee for each service period you use, plus a small charge for a short trial period. Both come on top of an APR of 30% to 365%, so the full cost of a small loan climbs quickly and is worth checking before you apply.

How much can I borrow?+

Loans of €500 to €10,000 cover both a small shortfall and a larger bill. Because the schedule charges per service period, the amount you take changes how quickly that charge adds up, so a larger loan spreads the cost across more money.

How long is the term?+

Terms run 12 to 120 months, so you can stretch repayment over a longer period. A longer term makes each service period easier to cover but raises the total you hand back, and the APR of 30% to 365% keeps borrowing costly.

What credit check do I need?+

The check is soft prequal, a soft prequalification rather than a full credit file search. It gives an early view of what you may qualify for, though the lender behind Finandos still runs its own assessment before any money moves.

Will a poor credit history stop me applying?+

Finandos is built for applicants with a poor credit history. You also need a valid ID, a mobile phone, a bank card and a bank account, and the final decision sits with the lender rather than with Finandos.

What do I need in order to apply?+

You must be an adult past a minimum age, with a valid ID, a mobile phone, a bank card and a bank account. Finandos is a broker (broker) based in Lithuania, so a partner lender reviews the application.

How can I get help?+

Support covers email, phone and help centre, so you can reach the team by phone, by email or through the help centre. That matters most on a product where the service charge runs per service period, because it is easy to lose track of when the next payment falls due.

Sources

  • finandos.com/en checked September 26, 2026

    Backs: Loan amount, Credit needed, Eligibility, Headquarters, Term

    “Receive from 500 EUR to 10000 EUR”

  • finandos.com/en/contact-us checked September 26, 2026

    Backs: Support channels

    “Our support team is here to assist you however possible.”

  • finandos.com/en/faq checked September 26, 2026

    Backs: Credit check, Lender type

    “you will be provided with a personal financing program which is formed based on the credit history and delays”

  • finandos.com/en/public-offer checked September 26, 2026

    Backs: Legal entity

    “UAB GLOBAL AD LINKS”

  • finandos.com/en/tariff-and-refund checked September 26, 2026

    Backs: Arrangement fee

    “Trial Period: EUR 0.99 for 3 calendar days. Standard Period: EUR 29.99 will be billed every 30 days.”

  • finandos.com/es checked September 26, 2026

    Backs: APR, Loan types

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Finandos

Finandos

A loan of €500 to €10,000 for borrowers whose credit history is poor.

8.5/10See alternatives

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