Updated September 28, 2026 · BorrowCue Editorial Team
Finipay vs Youmoney ES
What sets them apart
| Compare |  Finipay |  Youmoney ES |
|---|---|---|
| APR | 0% to 212% | 0% to 349% |
| Loan amount | €300 to €5,000Higher | €50 to €1,000 |
| Term | 3 to 60 monthsHigher | 0.23 to 36 months |
| Funding time | Under 24 hours | 15 minutes to 24 hours |
| 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% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday, Debt consolidation, Car | Personal, Payday, Secured |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Lender type (Broker), Credit needed (Poor).
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Key differences
- Loan amount is higher at Finipay: €300 to €5,000 vs €50 to €1,000.
- Term is higher at Finipay: 3 to 60 months vs 0.23 to 36 months.
- Support channels: only Finipay offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Finipay offers Debt consolidation, Car.
- Loan types: only Youmoney ES offers Secured.
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Finipay | Youmoney ES |
|---|---|---|
| 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. | 9.9Higher |
| Offer | 8.8Higher | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.3 | 8.3 |
Licences and countries
Available in 1 country for both.
What each covers
| Loan types | Finipay | Youmoney ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Secured | No | Yes |
| Car | Yes | No |
What we checked
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Youmoney ES
- youmoney.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Finipay | Youmoney ES |
|---|---|---|
| Personal loans | 19 of 1932 | 31 of 1932 |
| Payday and short-term loans | 7 of 246 | 13 of 246 |
| Loans for bad credit | 12 of 275 | 18 of 275 |
Every fact side by side
| Fact | Finipay | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Findao Sp. z o.o. |
| Headquarters | Estonia | Poland |
| Support channels | Phone, Email, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Finipay | Youmoney ES | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €300 to €5,000lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 0.23 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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.
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
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.
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Finipay | Youmoney ES |
|---|---|---|
| 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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.