Updated September 29, 2026 · BorrowCue Editorial Team
Ibancar Prestamos vs Quick Car Finance
Where Ibancar Prestamos and Quick Car Finance differ
| Compare |  Ibancar Prestamos |  Quick Car Finance |
|---|---|---|
| APR | 12.74% to 13.01% | 9.9% to 60%Lower |
| Loan amount | €600 to €8,000 | £3,000 to £50,000 |
| Funding time | Same day, up to 24 hours | 1-3 working days |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Lender type | Direct lender | Broker |
| Eligibility | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted | 18+, UK resident |
| Loan types | Personal, Car, SecuredCovers more | Car |
| Arrangement fee | Not confirmed | 0 |
| Credit check | Not confirmed | Soft prequal |
| Free early repayment | Not confirmed | No |
Same on both: Term (12 to 60 months), Rate type (Fixed), Credit needed (Poor).
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.7.
- APR is lower at Quick Car Finance: 9.9% to 60% vs 12.74% to 13.01%.
- Loan types: only Ibancar Prestamos offers Personal, Secured.
Our verdict on each
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
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 | Ibancar Prestamos | Quick Car Finance |
|---|---|---|
| Cost | 8.7Higher | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 9.212.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 9.2Higher | 8.6Broker model of broker under licence 764855. |
Availability and regulation
| Country | Ibancar Prestamos | Quick Car Finance |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 764855 |
Additional countries for Ibancar Prestamos: 1. Additional countries for Quick Car Finance: 1.
Where they rank in our lists
| Ranking | Ibancar Prestamos | Quick Car Finance |
|---|---|---|
| Loans for bad credit | 10 of 275 | 3 of 275 |
| Car loans | 4 of 431 | 2 of 431 |
Side by side, item by item
| Loan types | Ibancar Prestamos | Quick Car Finance |
|---|---|---|
| Personal | Yes | No |
| Secured | Yes | No |
| Car | Yes | Yes |
Sources behind this comparison
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
Quick Car Finance
- quickcarfinance.co.uk: 14 facts, checked September 28, 2026
Every fact side by side
| Fact | Ibancar Prestamos | Quick Car Finance |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Ibancar World SL | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Ibancar Prestamos | Quick Car Finance | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | 9.9% to 60%above the median | 8.99 |
| Term | 12 to 60 monthsat the median | 12 to 60 monthsat the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender 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%.
Country by country
| Country | Ibancar Prestamos | Quick Car Finance |
|---|---|---|
| Spain | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
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.
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