Updated September 28, 2026 · BorrowCue Editorial Team
Finmercado vs Youmoney ES
Where Finmercado and Youmoney ES differ
| Compare |  Finmercado |  Youmoney ES |
|---|---|---|
| APR | from 677.47% | 0% to 349%Lower |
| Loan amount | MX$500 to MX$200,000 | €50 to €1,000 |
| Term | 2 to 12 months | 0.23 to 36 monthsHigher |
| Arrangement fee | 0 MXN | 0 EUR |
| 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 | 15 minutes to 24 hours |
| 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% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Lender type | Marketplace | Broker |
| Eligibility | Mexico only, accredited Mexican lending partners; partner lenders accept from 18 years (some 21+); INE and an active bank account required | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday, Secured, Business, Debt consolidation, StudentCovers more | Personal, Payday, Secured |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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
- Youmoney ES scores higher overall: 8.9 vs 8.5.
- APR is lower at Youmoney ES: 0% to 349% vs from 677.47%.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 2 to 12 months.
- Support channels: only Finmercado offers Community.
- Loan types: only Finmercado offers Business, Debt consolidation, Student.
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.
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 | Finmercado | Youmoney ES |
|---|---|---|
| Cost | 8.8Cost rests on the rate: the informative CAT starts at from 677.47%, with terms of 2 to 12 keeping balances short. | 9.9Higher |
| 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 | 8.1 | 8.3Higher |
Side by side, item by item
| Loan types | Finmercado | Youmoney ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Business | Yes | No |
| Student | Yes | No |
Licences and countries
Additional countries for Finmercado: 1. Additional countries for Youmoney ES: 1.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Finmercado
from 2,903.17
from 2,903.17
Youmoney ES
0 to 1,330.53
0 to 1,330.53
Youmoney ES comes out 2,903.17 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
Finmercado
- finmercado.mx: 17 facts, checked September 26, 2026
Youmoney ES
- youmoney.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Finmercado | Youmoney ES |
|---|---|---|
| Personal loans | 40 of 1944 | 31 of 1944 |
| Payday and short-term loans | 19 of 247 | 13 of 247 |
| Loans for bad credit | 27 of 276 | 18 of 276 |
| Secured loans | 7 of 473 | 4 of 473 |
Every fact side by side
| Fact | Finmercado | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA JEFF | Findao Sp. z o.o. |
| Headquarters | Mexico | Poland |
| Support channels | Email, Chat, Help centre, CommunityCovers more | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Finmercado | Youmoney ES | Median |
|---|---|---|---|
| APR | from 677.47%highest quarter | 0% to 349%lowest quarter | 8.99 |
| Term | 2 to 12 monthslowest quarter | 0.23 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1007 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
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
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
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
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 | Finmercado | Youmoney ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
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.
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.
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