Updated September 28, 2026 · BorrowCue Editorial Team
Finmercado ES vs Youmoney
Where Finmercado ES and Youmoney differ
| Compare |  Finmercado ES |  Youmoney |
|---|---|---|
| APR | 0% to 36%Lower | 25.28% to 72.19% |
| Loan amount | €200 to €30,000 | PLN 100 to PLN 10,000 |
| Term | 2 to 12 months | 24 monthsHigher |
| Arrangement fee | 0 EUR | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | Same-day approval (24h offers listed); the lender transfers the amount after approval, timing depends on each lender | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| 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 | 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 | 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 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% |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Lender type (Broker), Loan types (Personal, Payday, Debt consolidation).
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
- Finmercado ES scores higher overall: 8.8 vs 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Finmercado ES: 0% to 36% vs 25.28% to 72.19%.
- Origination fee (%) is lower at Finmercado ES: 0% vs 33.76%.
- Term is higher at Youmoney: 24 months vs 2 to 12 months.
- Support channels: only Youmoney offers Chat, Phone.
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.
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 | Finmercado ES | Youmoney |
|---|---|---|
| Cost | 9.7HigherAn origination fee of 0 EUR and a percentage fee of 0%, so cost depends on the rate alone. | 8.5APR runs 25.28% to 72.19% with a 33.76% commission in the instalment-loan example, so total cost is high. |
| Offer | 8.5 | 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 |
What each covers
| Loan types | Finmercado ES | Youmoney |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
Ranges side by side
| Fact | Finmercado ES | Youmoney |
|---|---|---|
| APR | 0% to 36% | 25.28% to 72.19% |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Finmercado ES and 25.28% to 72.19% for Youmoney.
FINANZCHECK.de reviewHow they place
| Ranking | Finmercado ES | Youmoney |
|---|---|---|
| Personal loans | 39 of 1932 | 32 of 1932 |
| Payday and short-term loans | 18 of 246 | 14 of 246 |
| Debt consolidation loans | 14 of 425 | 12 of 425 |
Every fact side by side
| Fact | Finmercado ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA JEFF | Findao sp. z o.o. |
| Headquarters | Latvia | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Finmercado ES | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 25.28% to 72.19%highest quarter | 8.99 |
| Term | 2 to 12 monthslowest quarter | 24 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 33.76%highest quarter | 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.
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
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.
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
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 | Finmercado ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| 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.
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.