Updated September 28, 2026 · BorrowCue Editorial Team
Finipay vs Youmoney
Where Finipay and Youmoney differ
| Compare |  Finipay |  Youmoney |
|---|---|---|
| APR | 0% to 212%Lower | 25.28% to 72.19% |
| Loan amount | €300 to €5,000 | PLN 100 to PLN 10,000 |
| Term | 3 to 60 monthsHigher | 24 months |
| Arrangement fee | 0 EUR | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | Under 24 hours | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| 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% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Origination fee (%) | 0%Lower | 33.76% |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal, Payday, Debt consolidation |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Finipay scores higher overall: 8.9 vs 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Finipay: 0% to 212% vs 25.28% to 72.19%.
- Origination fee (%) is lower at Finipay: 0% vs 33.76%.
- Term is higher at Finipay: 3 to 60 months vs 24 months.
- Support channels: only Youmoney offers Chat.
- 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.
Youmoney
Youmoney suits Polish borrowers who need money within hours and who can absorb a steep rate, offering payday, instalment and consolidation loans through a single application. What you pay is the trade-off: 25.28% to 72.19%, an arrangement fee of 33.76% of the amount borrowed, and a term of 24 months.
Score breakdown
| Area | Finipay | Youmoney |
|---|---|---|
| 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. | 8.5APR runs 25.28% to 72.19% with a 33.76% commission in the instalment-loan example, so total cost is high. |
| Offer | 8.8 | 9.2HigherCoverage spans personal, payday and debt consolidation, funding is listed as same day funding, and early repayment carries no charge. |
| Trust | 8.3Higher | 8.2 |
Pick Finipay if, pick Youmoney if
Pick Finipay if cost, apr, term, and origination fee (%) matter most.
Pick Youmoney if offer matter most.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 212% for Finipay and 25.28% to 72.19% for Youmoney.
FINANZCHECK.de reviewSources behind this comparison
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Youmoney
- youmoney.pl: 20 facts, checked September 26, 2026
How they place
| Ranking | Finipay | Youmoney |
|---|---|---|
| Personal loans | 19 of 1932 | 32 of 1932 |
| Payday and short-term loans | 7 of 246 | 14 of 246 |
| Loans for bad credit | 12 of 275 | 19 of 275 |
| Debt consolidation loans | 9 of 425 | 12 of 425 |
Every fact side by side
| Fact | Finipay | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Findao sp. z o.o. |
| Headquarters | Estonia | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Finipay | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 25.28% to 72.19%highest quarter | 8.99 |
| Term | 3 to 60 monthsat the median | 24 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 33.76%highest quarter | 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
Pros
- Money can move fast: the stated funding time is minutes with the fastest lenders, usually a few hours, and at the latest by the end of the next business day.
- Early repayment is free, so settling the balance ahead of schedule adds no fee to the bill.
- The offer covers personal, payday and debt consolidation under a single application, which saves shopping lender by lender.
Cons
- The APR runs 25.28% to 72.19%, well above the 10% to 23% band at Monzo Flex, so the cost of access is high.
- The arrangement fee in the instalment-loan representative example is 33.76% of the amount borrowed, charged on top of the interest.
- A hard credit check runs on every application, so a rejected or repeated attempt leaves a full search on your file.
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
Who it suits
- Polish borrowers with an emergency bill or a short gap who need the money within hours rather than days.
- Applicants whose income is not a salary, including self-employed workers, pensioners and anyone on an allowance or alimony.
- Anyone planning to clear a small balance quickly, since early repayment is free and the term is 24 months.
Who should look elsewhere
- Monzo Flex, whose APR of 10% to 23% sits far below 25.28% to 72.19% for anyone who can qualify there.
- Cashspace, which quotes PHP 12 to PHP 36 in a different market, if the rate on paper matters more than the pace.
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
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Finipay | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| 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
What APR will I pay on a Youmoney loan?+
The advertised range is 25.28% to 72.19%, and the instalment-loan representative example sits inside that band at a fixed rate. The figure to watch is the total repayable in the example rather than the headline percentage, because the commission charged alongside the interest adds a large share of the amount borrowed.
What fees are charged on top of the interest?+
The listed charge beyond interest is the arrangement fee. In the instalment-loan representative example the commission is 33.76% of the amount borrowed, which is the largest single addition to the bill and the reason the total repayable overshoots the sum you asked for. Compare total repayable figures across quotes, not the rate alone.