Updated September 28, 2026 · BorrowCue Editorial Team
Ibancar Prestamos vs Youmoney ES
What sets them apart
| Compare |  Ibancar Prestamos |  Youmoney ES |
|---|---|---|
| APR | 12.74% to 13.01% | 0% to 349%Lower |
| Loan amount | €600 to €8,000Higher | €50 to €1,000 |
| Term | 12 to 60 monthsHigher | 0.23 to 36 months |
| Funding time | Same day, up to 24 hours | 15 minutes to 24 hours |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Rate type | Fixed | Variable |
| 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 | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Car, Secured | Personal, Payday, Secured |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Not confirmed | Hard |
Same on both: Credit needed (Poor).
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.9.
- APR is lower at Youmoney ES: 0% to 349% vs 12.74% to 13.01%.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €50 to €1,000.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 0.23 to 36 months.
- Support channels: only Ibancar Prestamos offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Ibancar Prestamos offers Car.
- Loan types: only Youmoney ES offers Payday.
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.
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 | Ibancar Prestamos | Youmoney ES |
|---|---|---|
| Cost | 8.7 | 9.9Higher |
| Offer | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 9.2Higher | 8.3 |
Ranges side by side
| Fact | Ibancar Prestamos | Youmoney ES |
|---|---|---|
| APR | 12.74% to 13.01% | 0% to 349% |
| Loan amount | €600 to €8,000 | €50 to €1,000 |
| Term | 12 to 60 months | 0.23 to 36 months |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 12.74% to 13.01% for Ibancar Prestamos and 0% to 349% for Youmoney ES.
FINANZCHECK.de reviewHow they place
| Ranking | Ibancar Prestamos | Youmoney ES |
|---|---|---|
| Personal loans | 15 of 1932 | 31 of 1932 |
| Loans for bad credit | 10 of 275 | 18 of 275 |
| Secured loans | 2 of 472 | 4 of 472 |
Every fact side by side
| Fact | Ibancar Prestamos | Youmoney ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Ibancar World SL | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Support channels | Phone, Email, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Ibancar Prestamos | Youmoney ES | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €600 to €8,000below the median | €50 to €1,000lowest quarter | €40,000 |
| Term | 12 to 60 monthsat the median | 0.23 to 36 monthsbelow 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
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
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
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 | Ibancar Prestamos | Youmoney ES |
|---|---|---|
| Spain | Yes | 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.
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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