Updated September 29, 2026 · BorrowCue Editorial Team
Kredivo vs Qonto ES
What sets them apart
| Compare |  Kredivo |  Qonto ES |
|---|---|---|
| APR | 0% to 41.51%Lower | 19.5% |
| Loan amount | IDR 1,000,000 to IDR 50,000,000 | €750 to €1,000,000 |
| Term | 1 to 24 monthsHigher | 1 to 12 months |
| Funding time | Application in 5 minutes, account decision within 1x24 hours | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Direct lender | Broker |
| Eligibility | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Loan types | BNPL, Personal, Credit line | Business, Credit line |
| Arrangement fee | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans | Not confirmed |
| Representative example | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard), Rate type (Fixed).
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Key differences
- Kredivo scores higher overall: 9.3 vs 8.6.
- Qonto ES is licensed in 1 more country.
- Qonto ES is available in 29 more countries.
- APR is lower at Kredivo: 0% to 41.51% vs 19.5%.
- Term is higher at Kredivo: 1 to 24 months vs 1 to 12 months.
- Features: only Kredivo offers Same day funding.
- Loan types: only Kredivo offers BNPL, Personal.
- Loan types: only Qonto ES offers Business.
Our verdict on each
Kredivo
Kredivo suits Indonesian adults who want small, fixed-rate instalments or a credit line they can draw on. It lends directly, with a 0% arrangement fee on its installment plans, and decisions come back fast enough to hold the money for same-day spending.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | Kredivo | Qonto ES |
|---|---|---|
| Cost | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 8.7 | 9.0Higher |
| Trust | 9.2Higher | 8.3 |
Licences and countries
| Country | Kredivo | Qonto ES |
|---|---|---|
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Indonesia | Not confirmed | |
| Spain | Not confirmed | Banco de Espana 16958 |
Additional countries for Kredivo: 1. Additional countries for Qonto ES: 30.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 41.51% for Kredivo and 19.5% for Qonto ES.
FINANZCHECK.de reviewHow they place
| Ranking | Kredivo | Qonto ES |
|---|---|---|
| Lines of credit | 12 of 328 | 6 of 328 |
Every fact side by side
| Fact | Kredivo | Qonto ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Credit line |
| Legal entity | PT Kredivo Finance Indonesia | QONTO |
| Headquarters | Indonesia | France |
| Support channels | Phone, Email, Chat, Help centre | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | Kredivo | Qonto ES | Median |
|---|---|---|---|
| APR | 0% to 41.51%lowest quarter | 19.5%highest quarter | 8.99 |
| Term | 1 to 24 monthslowest quarter | 1 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Kredivo
Pros
- No arrangement fee on installment plans, at 0%
- Fixed rates at fixed, so monthly payments do not drift
- Repayment terms run 1 to 24, so short and long plans both work
Cons
- Applications use a hard credit check (hard)
- APR runs as high as 0% to 41.51% at the top of the range
- KrediFazz cash loans add an arrangement fee on top of interest, unlike the installment plans
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
Who each suits
Kredivo
Who it suits
- Adults in Indonesia with a steady monthly income who can meet the eligibility rules
- Shoppers splitting purchases into instalments through the app
- Borrowers who want an app-drawn credit line as well as a one-off loan
Who should look elsewhere
- Anyone outside Indonesia, since eligibility is limited to Indonesian citizens domiciled there
- Monzo Flex, for borrowers who prefer a lower-rate personal loan over an instalment app
- Cashspace, for anyone wanting a single credit decision against a stated APR range
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
Current offers
Kredivo
Current offer
Discount code
Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part
Stated promo period runs until December 2025; valid at Erafone, iBox, Digimap, Digiplus, Blibli Store and Hello; one voucher per user; min. transaction IDR 500,000; late payment adds 2 installments plus interest and late fees
Source, checked September 26, 2026
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | Kredivo | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 countries where either is available.
Questions about each
Kredivo
What does Kredivo cost to borrow?+
The arrangement fee on the installment plans is 0%, and interest is charged at 0% to 41.51% on a fixed rate, so the monthly payment holds steady across the term. KrediFazz cash loans charge an arrangement fee on top of that interest.
How long can I borrow for?+
Terms run 1 to 24, so a plan can be as short as a single month or stretch across a longer repayment period. The longer the term, the more you pay in interest overall, so the shortest workable term costs least in total.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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