Updated September 28, 2026 · BorrowCue Editorial Team
Finmercado vs Nazivnost
Where Finmercado and Nazivnost differ
| Compare |  Finmercado |  Nazivnost |
|---|---|---|
| APR | from 677.47% | 0.037% to 30,341%Lower |
| Loan amount | MX$500 to MX$200,000 | CZK 5,000 to CZK 200,000 |
| Arrangement fee | 0 MXN | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans |
| Credit check | Soft prequal | Hard |
| Funding time | Online application in about 5 minutes; partner lenders answer in minutes and deposit goes to the customer's bank account | Within minutes of approval, at latest the next day |
| Representative example | Personal loan of MXN 2,000 over 6 quincenas, 6 payments of MXN 647, total to pay MXN 3,882; monthly interest rate 28% to 49.50% (without VAT), informative CAT from 677.47% | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc |
| Lender type | Marketplace | Direct lender |
| Eligibility | Mexico only, accredited Mexican lending partners; partner lenders accept from 18 years (some 21+); INE and an active bank account required | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts |
| Origination fee (%) | 0%Lower | 0.05% |
| Loan types | Personal, Payday, Secured, Business, Debt consolidation, StudentCovers more | Business, Payday |
| Credit needed | Poor | Fair |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Term (2 to 12 months).
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Key differences
- Nazivnost scores higher overall: 9.0 vs 8.5.
- APR is lower at Nazivnost: 0.037% to 30,341% vs from 677.47%.
- Origination fee (%) is lower at Finmercado: 0% vs 0.05%.
- Support channels: only Finmercado offers Chat, Community.
- Support channels: only Nazivnost offers Phone.
- Loan types: only Finmercado offers Personal, Secured, Debt consolidation.
Our verdict on each
Finmercado
Finmercado suits Mexican borrowers who need a small personal loan in the bank account the same day, with a soft prequalification and no origination fee. The trade-off is cost, with an informative CAT starting at from 677.47% and a short term, so this is a bridge rather than long-term credit.
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
Score breakdown
| Area | Finmercado | Nazivnost |
|---|---|---|
| Cost | 8.8Cost rests on the rate: the informative CAT starts at from 677.47%, with terms of 2 to 12 keeping balances short. | 9.3HigherRates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. |
| Offer | 8.8Higher | 8.7 |
| Trust | 8.1 | 8.8Higher |
Availability and regulation
Additional countries for Finmercado: 1. Additional countries for Nazivnost: 1.
Feature by feature
| Loan types | Finmercado | Nazivnost |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | No |
| Business | Yes | Yes |
| Student | Yes | No |
How they place
| Ranking | Finmercado | Nazivnost |
|---|---|---|
| Payday and short-term loans | 19 of 246 | 38 of 246 |
| Loans for bad credit | 27 of 275 | 57 of 275 |
| Business loans | 6 of 435 | 13 of 435 |
Every fact side by side
| Fact | Finmercado | Nazivnost |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA JEFF | CreditKasa s.r.o. (IČO 048 23 541) |
| Headquarters | Mexico | Czechia |
| Founded | Not confirmed | 2016 |
| Support channels | Email, Chat, Help centre, Community | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Finmercado | Nazivnost | Median |
|---|---|---|---|
| APR | from 677.47%highest quarter | 0.037% to 30,341%lowest quarter | 8.99 |
| Term | 2 to 12 monthslowest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 0.05%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Finmercado
Pros
- No fee for taking out a personal loan, since the origination fee is 0 MXN
- same day funding is offered and the deposit goes straight to your bank account
- The online application takes a few minutes, and partner lenders answer in minutes
Cons
- Fees are not the problem, interest is: from 677.47% is an informative rate and the representative example shows a total repayable well above the amount borrowed
- Terms run 2 to 12, so a larger balance has to be cleared quickly
- Support runs on email, chat and help centre only, with no phone line
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
Who each suits
Finmercado
Who it suits
- Mexican residents with an INE and an active bank account who need a personal loan quickly
- Borrowers with poor credit who want a soft prequal check before a full application
- Anyone covering home improvement without paying an origination fee of 0 MXN
Who should look elsewhere
- Borrowers who can clear a mainstream credit test, since Monzo Flex quotes 10% to 23% against the from 677.47% Finmercado starts at
- Anyone needing a repayment window longer than 2 to 12
- Readers who want to talk a lender through by phone, since support runs on email, chat and help centre
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
Country by country
| Country | Finmercado | Nazivnost |
|---|---|---|
| Czechia | No | Yes |
| Mexico | Yes | No |
Questions about each
Finmercado
How much does borrowing from Finmercado cost?+
The informative CAT starts at from 677.47% and the origination fee is 0 MXN, so nothing is charged for setting the loan up. The representative example shows where the cost really sits: a small personal loan repaid over a short run of fortnightly payments, with a monthly interest rate quoted before VAT and a total repayable well above the amount borrowed.
Is there an arrangement fee to pay?+
The origination fee is 0 MXN, and no percentage charge sits on top because that figure is 0%. The whole cost therefore falls on the interest, which means the rate offered and the length of the term decide the bill rather than the setup.
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.
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