Updated September 28, 2026 · BorrowCue Editorial Team
Finipay vs Pezetita
Where Finipay and Pezetita differ
| Compare |  Finipay |  Pezetita |
|---|---|---|
| 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 |
| Arrangement fee | 0 EUR | 0 EUR (no loan selection fee charged) |
| Funding time | Under 24 hours | Money transferred shortly after lender approval, within minutes |
| 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% | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal, Payday, Debt consolidation |
| Rate type | Not confirmed | Fixed |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Origination fee (%) (0%).
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.
- Support channels: only Finipay offers Phone.
- Loan types: only Finipay offers Car.
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.
Pezetita
Pezetita suits adults in Spain who need a small short-term loan paid out quickly, with borrowing of €100 to €5,000 over 3 to 4. The catch is that it works as a broker, so a partner lender sets the final terms.
Score breakdown
| Area | Finipay | Pezetita |
|---|---|---|
| Cost | 9.7The 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. | 9.7The 0 EUR (no loan selection fee charged) and an APR band of 0% to 36% keep costs at the market floor. |
| Offer | 8.8Higher | 8.5 |
| Trust | 8.3 | 8.3 |
Where they rank in our lists
| Ranking | Finipay | Pezetita |
|---|---|---|
| Personal loans | 19 of 1932 | 17 of 1932 |
| Payday and short-term loans | 7 of 246 | 5 of 246 |
| Debt consolidation loans | 9 of 425 | 7 of 425 |
What we checked
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Pezetita
- pezetita.com: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Finipay | Pezetita |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Fininity OÜ (registry number 14523902, VAT ID EE102112841) |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Finipay | Pezetita | 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.
Pezetita
Pros
- Nothing to pay for taking the loan out: 0 EUR (no loan selection fee charged).
- Fast payout, with same day funding and a transfer within minutes of a lender decision.
- Fixed pricing on fixed loans, so the repayment schedule holds for the whole 3 to 4.
Cons
- It is a broker (broker), so the lender you are matched with sets the final price, not the site you apply through.
- The window is short at 3 to 4, so a larger balance has little room to spread.
- The upper end of 0% to 36% sits well above the market median of 12%, so the headline band flatters the cheaper offers.
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.
Pezetita
Who it suits
- Adults resident in Spain who hold a DNI or NIE, can show proof of income and keep a bank account open.
- Borrowers who need money within minutes of a lender decision rather than a waiting period.
- People who prefer a fixed rate and a fee of 0 EUR (no loan selection fee charged) on a short loan.
Who should look elsewhere
- Monzo Flex, if you want years to repay: its APR band of 10% to 23% suits a longer schedule than Pezetita's 3 to 4.
- Cashspace, if your budget needs room to breathe, since Pezetita caps the term at 3 to 4.
- Cashspace ES, if you want the lowest headline rate first, because its 0% undercuts the upper end of Pezetita's 0% to 36% band.
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
Pezetita
Current offer
First period offer
First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days
New customers only; the interest rate and overpayment amount may change after completing the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Finipay | Pezetita |
|---|---|---|
| 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.
Pezetita
What does it cost to borrow from Pezetita?+
Pezetita prices loans on a fixed basis, with an APR band of 0% to 36%. The 0 EUR (no loan selection fee charged) means no loan selection or origination charge is added to the borrow. The published example shows a short loan repaid with nothing added to the amount lent, so the total repayable matches the sum you borrowed.
Is there an arrangement or selection fee?+
The origination fee is 0 EUR (no loan selection fee charged), and the percentage fee is 0%, so nothing is taken for choosing or setting the loan up. Cost comes from the interest side instead, which is why the APR band of 0% to 36% is the number to read closely before you apply.