Updated September 28, 2026 · BorrowCue Editorial Team
Finipay vs Finteres
Finipay vs Finteres: the differences
| Compare |  Finipay |  Finteres |
|---|---|---|
| APR | 0% to 212% | 0% to 36% |
| Loan amount | €300 to €5,000 | €100 to €5,000 |
| Term | 3 to 60 monthsHigher | 3 to 4 months |
| Funding time | Under 24 hours | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Representative example | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Credit check | Not confirmed | Soft prequal |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Lender type (Broker), Origination fee (%) (0%), Loan types (Personal, Payday, Debt consolidation, Car), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Finipay scores higher overall: 8.9 vs 8.8.
- Term is higher at Finipay: 3 to 60 months vs 3 to 4 months.
Our verdict on each
Finipay
Finipay suits Spanish adults with poor credit who need a small euro loan quickly and want no set-up charge. The trade-off is cost: an APR band of 0% to 212% and a representative example where a short loan costs far more to repay than to borrow.
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 | Finipay | Finteres |
|---|---|---|
| Cost | 9.7HigherThe 0% to 212% band is far wider than the 12.25% midpoint for personal loans here, so cost depends almost entirely on your credit file. | 9.5Arrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 8.8Higher | 8.7 |
| Trust | 8.3 | 8.3 |
Licences and countries
Available in 1 country for both.
Where they rank in our lists
| Ranking | Finipay | Finteres |
|---|---|---|
| Personal loans | 19 of 1932 | 27 of 1932 |
| Payday and short-term loans | 7 of 246 | 12 of 246 |
| Loans for bad credit | 12 of 275 | 16 of 275 |
| Debt consolidation loans | 9 of 425 | 10 of 425 |
| Car loans | 6 of 431 | 9 of 431 |
Feature by feature
| Loan types | Finipay | Finteres |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | Yes |
Where these facts come from
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Finteres
- finteres.es: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Finipay | Finteres |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Finipay | Finteres | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €300 to €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Finipay
Pros
- Setting the loan up adds nothing: the origination fee is 0 EUR, so no charge is bolted on to the interest.
- Money arrives in Under 24 hours, and same-day funding sits in same day funding.
- Poor credit is the target: poor means the service is aimed at files mainstream lenders decline.
Cons
- Finipay is a broker rather than the lender (broker), so the rate is set by a partner lender and its terms are not spelled out here.
- The cost of a short term is severe: the representative example repays far more than it lends, and the top of 0% to 212% is steep.
- Borrowing stops at €300 to €5,000, so a larger renovation, car purchase or consolidation job needs another provider.
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
Finipay
Who it suits
- Adults in Spain with poor credit who need a modest sum quickly and would be turned down elsewhere, since poor is the level Finipay targets.
- Borrowers who want a fee-free set-up and a fast transfer, and who will read the representative example before choosing a term.
- People covering a car, a bill to consolidate or a home improvement, given personal, payday and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers with a strong file who want the cheapest rate: Monzo Flex holds its APR at 10% to 23%, well under the top of Finipay's 0% to 212%.
- Anyone who needs to borrow more than €300 to €5,000: Cashspace lists its rate in Philippine pesos at PHP 12 to PHP 36, so it is not a euro answer to a larger sum.
- Shoppers chasing an interest-free headline rate: Cashspace ES shows an APR of 0%, while Finipay's 0% to 212% is the band where a real rate is quoted.
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
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
Source, checked September 26, 2026
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 | Finipay | Finteres |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finipay
Is there a fee for taking out a Finipay loan?+
No arrangement charge is added. The origination fee is 0 EUR, so the money you arrange does not shrink before it reaches you. What you pay is interest on the loan, and the size of that depends on the rate you are offered and the term you choose.
How much can I borrow, and for how long?+
Loans run €300 to €5,000, and terms run 3 to 60 months. That range is built for short and medium needs such as a repair, a car deposit or a bill to consolidate. It is not a route to a large renovation, because the ceiling is well below what the biggest lenders here arrange.
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.