Updated September 29, 2026 · BorrowCue Editorial Team
Finteres vs Quick Car Finance
Where Finteres and Quick Car Finance differ
| Compare |  Finteres |  Quick Car Finance |
|---|---|---|
| APR | 0% to 36%Lower | 9.9% to 60% |
| Loan amount | €100 to €5,000 | £3,000 to £50,000 |
| Term | 3 to 4 months | 12 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | 1-3 working days |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Free early repayment | YesHas it | No |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | 18+, UK resident |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Car |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit check (Soft prequal), Lender type (Broker), 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
- Finteres scores higher overall: 8.8 vs 8.7.
- APR is lower at Finteres: 0% to 36% vs 9.9% to 60%.
- Free early repayment: only Finteres.
- Term is higher at Quick Car Finance: 12 to 60 months vs 3 to 4 months.
- Loan types: only Finteres offers Personal, Payday, Debt consolidation.
Our verdict on each
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.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | Finteres | Quick Car Finance |
|---|---|---|
| Cost | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.7 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 8.3 | 8.6HigherBroker model of broker under licence 764855. |
What each covers
| Loan types | Finteres | Quick Car Finance |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
Where each is licensed and available
| Country | Finteres | Quick Car Finance |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 764855 |
Additional countries for Finteres: 1. Additional countries for Quick Car Finance: 1.
Ranges side by side
| Fact | Finteres | Quick Car Finance |
|---|---|---|
| APR | 0% to 36% | 9.9% to 60% |
| Term | 3 to 4 months | 12 to 60 months |
How they place
| Ranking | Finteres | Quick Car Finance |
|---|---|---|
| Loans for bad credit | 16 of 275 | 3 of 275 |
| Car loans | 9 of 431 | 2 of 431 |
Every fact side by side
| Fact | Finteres | Quick Car Finance |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Email, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Finteres | Quick Car Finance | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 9.9% to 60%above the median | 8.99 |
| Term | 3 to 4 monthslowest quarter | 12 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
Who each suits
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.
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
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 | Finteres | Quick Car Finance |
|---|---|---|
| Spain | Yes | No |
| United Kingdom | No | Yes |
Questions about each
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.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.