Updated September 28, 2026 · BorrowCue Editorial Team
Finteres vs Zmarta Norge
Finteres vs Zmarta Norge: the differences
| Compare |  Finteres |  Zmarta Norge |
|---|---|---|
| APR | 0% to 36%Lower | 15.52% |
| Loan amount | €100 to €5,000 | NOK 5,000 to NOK 800,000 |
| Term | 3 to 4 months | 12 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 NOK |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | Money in account within 1-5 business days after signing |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | Nom. rate 12.9 %, effective rate 15.52 %, 75 000 NOK over 5 years, cost 30 509 NOK, total 105 509 NOK |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | Age 20+, annual income over 120 000 NOK, taxed in Norway for more than 3 years, no payment remarks |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal, Debt consolidation, Car |
| Credit needed | Poor | Good |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
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Key differences
- Zmarta Norge is available in 1 more country.
- APR is lower at Finteres: 0% to 36% vs 15.52%.
- Term is higher at Zmarta Norge: 12 to 60 months vs 3 to 4 months.
- Support channels: only Zmarta Norge offers Chat.
- Loan types: only Finteres offers Payday.
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.
Zmarta Norge
Zmarta Norge suits Norwegian adults with a good credit record who want a big loan, offering borrowing of NOK 5,000 to NOK 800,000 across personal, debt-consolidation and car lending. The trade-off is the rate, and 15.52% is the number to weigh before you apply.
Score breakdown
| Area | Finteres | Zmarta Norge |
|---|---|---|
| Cost | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. | 8.6APR ranks 223 of 350, so a 0 NOK fee does not make the total cheap. |
| Offer | 8.7 | 9.3Higher |
| Trust | 8.3 | 8.7Higher |
Ranges side by side
| Fact | Finteres | Zmarta Norge |
|---|---|---|
| Term | 3 to 4 months | 12 to 60 months |
Availability and regulation
| Country | Finteres | Zmarta Norge |
|---|---|---|
| Sweden | Not confirmed |
Additional countries for Finteres: 1. Additional countries for Zmarta Norge: 2.
How they place
| Ranking | Finteres | Zmarta Norge |
|---|---|---|
| Personal loans | 27 of 1920 | 953 of 1920 |
| Debt consolidation loans | 10 of 425 | 332 of 425 |
| Car loans | 9 of 432 | 306 of 432 |
Every fact side by side
| Fact | Finteres | Zmarta Norge |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Zmarta AS |
| Headquarters | Estonia | Norway |
| Founded | Not confirmed | 1999 |
| Support channels | Email, Phone, Help centre | Email, Phone, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Finteres | Zmarta Norge | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 15.52%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 1152 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.
Zmarta Norge
Pros
- The arrangement fee is 0 NOK, so nothing is charged to set the loan up.
- Loans run NOK 5,000 to NOK 800,000, enough for home improvement, and the lending covers personal, debt consolidation and car.
- Speed is a selling point: same day funding, with money reaching your account Money in account within 1-5 business days after signing.
Cons
- The rate of 15.52% is the sticking point, and it sits above plenty of rivals on the list.
- Applications run a hard credit search, hard, so a rejection is recorded on your file.
- Eligibility is narrow: adults, an income above a set threshold and a number of years taxed in Norway, and any registered payment remark counts against the application.
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.
Zmarta Norge
Who it suits
- Norwegian adults with good credit who need a large sum for home improvement.
- People comfortable applying through a broker rather than going straight to a bank.
- Borrowers who want to talk to someone, with email, phone and chat on offer.
Who should look elsewhere
- Anyone chasing the lowest rate should check Monzo Flex, whose APR runs 10% to 23%.
- Readers comparing wider rate spreads can look at Cashspace, listed at PHP 12 to PHP 36.
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 | Zmarta Norge |
|---|---|---|
| Norway | No | Yes |
| Spain | Yes | No |
| Sweden | 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.
Zmarta Norge
What can I use a Zmarta Norge loan for?+
Personal loans, debt consolidation and car finance are all covered, as personal, debt consolidation and car shows. Borrowing runs NOK 5,000 to NOK 800,000, and home improvement is the named use: home improvement. Repayment terms run 12 to 60, so a larger balance can be spread over a longer window instead of one short term.
What does a Zmarta Norge loan cost?+
The arrangement fee is 0 NOK, and the rate is 15.52%. The representative example pairs a nominal rate with an effective rate above it, and shows a total repaid noticeably higher than the amount borrowed. Costs build up the longer a balance is carried, so the term you pick changes the overall price.
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