Updated September 28, 2026 · BorrowCue Editorial Team
Finmercado ES vs Finteres
What sets them apart
| Compare |  Finmercado ES |  Finteres |
|---|---|---|
| Loan amount | €200 to €30,000Higher | €100 to €5,000 |
| Term | 2 to 12 monthsHigher | 3 to 4 months |
| Credit check | Hard | Soft prequal |
| Funding time | Same-day approval (24h offers listed); the lender transfers the amount after approval, timing depends on each lender | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Representative example | Loan of 300 EUR repaid in 6 monthly instalments (180 days): about 55 EUR per month, total interest 30 EUR (TAE = 20%), total amount repayable 330 EUR | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Eligibility | Minimum age 18; customers in Spain; DNI or NIE, proof of income and recent bank statement (partner offers e.g. ABANCA list age 18-59) | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Loan types | Personal, Payday, Debt consolidation | Personal, Payday, Debt consolidation, CarCovers more |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: APR (0% to 36%), Arrangement fee (0 EUR), Lender type (Broker), Origination fee (%) (0%).
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Key differences
- Loan amount is higher at Finmercado ES: €200 to €30,000 vs €100 to €5,000.
- Term is higher at Finmercado ES: 2 to 12 months vs 3 to 4 months.
- Support channels: only Finteres offers Phone.
- Loan types: only Finteres offers Car.
Our verdict on each
Finmercado ES
Finmercado ES suits borrowers in Spain who want to see partner offers quickly and pay no arrangement fee for the search. Rates of 0% to 36% mean the cheapest and the highest deals sit far apart, so the rate you are offered matters more here than the headline.
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 | Finmercado ES | Finteres |
|---|---|---|
| Cost | 9.7HigherAn origination fee of 0 EUR and a percentage fee of 0%, so cost depends on the rate alone. | 9.5Arrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 8.5 | 8.7Higher |
| Trust | 8.3 | 8.3 |
Availability and regulation
Available in 1 country for both.
How they place
| Ranking | Finmercado ES | Finteres |
|---|---|---|
| Personal loans | 39 of 1932 | 27 of 1932 |
| Payday and short-term loans | 18 of 246 | 12 of 246 |
| Debt consolidation loans | 14 of 425 | 10 of 425 |
Every fact side by side
| Fact | Finmercado ES | Finteres |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA JEFF | Fininity OÜ |
| Headquarters | Latvia | Estonia |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Finmercado ES | Finteres | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €200 to €30,000below the median | €100 to €5,000lowest quarter | €40,000 |
| Term | 2 to 12 monthslowest quarter | 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
Finmercado ES
Pros
- The origination fee is 0 EUR, so finding and comparing partner offers costs nothing.
- Approval is advertised for the same day, and the lender releases the amount once it accepts.
- Loan sizes sit inside €200 to €30,000 and repayment terms inside 2 to 12, so a small sum and a larger plan are handled through the same application.
Cons
- Repayment terms of 2 to 12 are shorter than the 48 seen across personal loans here, so a large balance has to clear fast.
- A hard credit check runs on every application, and 44.9% of this category is aimed at borrowers with poor credit, which sets the bar for approval.
- Support runs on email and help centre only, while phone lines cover 85.3% of this market.
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
Finmercado ES
Who it suits
- Adults in Spain with DNI or NIE, proof of income and a recent bank statement who want to see partner offers quickly.
- Borrowers after a fee-free search and same-day approval, who can live with a rate landing anywhere in 0% to 36%.
- Anyone consolidating existing balances, since personal, payday and debt consolidation covers consolidation loans alongside personal and payday borrowing.
Who should look elsewhere
- Readers who want a single known band rather than a wide range: Monzo Flex runs at 10% to 23%, which sits inside 0% to 36%.
- Anyone comparing offers quoted in pesos: Cashspace lists PHP 12 to PHP 36 in another currency, so the two lists are not priced alike.
- Borrowers shopping only on the starting rate: Cashspace ES shows 0%, and because 0% to 36% can start at the same level, the top of the band is what separates the two.
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
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 | Finmercado ES | Finteres |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finmercado ES
What rate of interest applies?+
The rate range is 0% to 36%, a wide band holding both a very low rate and a high rate. Where you land inside it depends on your credit profile and the partner lender who accepts your application. The 12% seen across lenders here sits well inside that band, so treat the middle as a realistic target rather than the floor.
Does Finmercado ES charge a fee?+
The origination fee is 0 EUR, so the search itself costs nothing. Once a partner lender takes you on, its own charges and its rate are what you repay, and those come from the lender rather than the broker. Read the representative example at that point, because the fee for arranging the loan and the interest on it are separate lines.
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.