Updated September 28, 2026 · BorrowCue Editorial Team
Lendela vs Youmoney ES
What sets them apart
| Compare |  Lendela |  Youmoney ES |
|---|---|---|
| APR | up to 48% | 0% to 349% |
| Loan amount | SGD 1,000 to SGD 200,000 | €50 to €1,000 |
| Term | 3 to 72 monthsHigher | 0.23 to 36 months |
| Arrangement fee | SGD 0 | 0 EUR |
| Credit check | None | Hard |
| Funding time | Around 1-2 days from application to disbursement; some within hours | 15 minutes to 24 hours |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Lender type | Marketplace | Broker |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Personal, Payday, Secured |
| Credit needed | Fair | Poor |
| Rate type | Not confirmed | Variable |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Youmoney ES scores higher overall: 8.9 vs 8.5.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 0.23 to 36 months.
- Support channels: only Lendela offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Debt consolidation, Business, Student.
- Loan types: only Youmoney ES offers Payday.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
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 | Lendela | Youmoney ES |
|---|---|---|
| Cost | Not confirmed | 9.9 |
| Offer | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.2 | 8.3Higher |
Feature by feature
| Loan types | Lendela | Youmoney ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Business | Yes | No |
| Student | Yes | No |
Availability and regulation
Additional countries for Lendela: 2. Additional countries for Youmoney ES: 1.
Ranges side by side
| Fact | Lendela | Youmoney ES |
|---|---|---|
| APR | up to 48% | 0% to 349% |
| Term | 3 to 72 months | 0.23 to 36 months |
How they place
| Ranking | Lendela | Youmoney ES |
|---|---|---|
| Personal loans | 74 of 1932 | 31 of 1932 |
| Loans for bad credit | 42 of 275 | 18 of 275 |
| Secured loans | 12 of 472 | 4 of 472 |
Every fact side by side
| Fact | Lendela | Youmoney ES |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Lendela Pte. Ltd. | Findao Sp. z o.o. |
| Headquarters | Singapore | Poland |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Chat, Help centre |
Mortgages
| Fact | Lendela | Youmoney ES |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendela | Youmoney ES | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | 0% to 349%lowest quarter | 8.99 |
| Term | 3 to 72 monthsabove the median | 0.23 to 36 monthsbelow the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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 | Lendela | Youmoney ES |
|---|---|---|
| Hong Kong | Yes | No |
| Singapore | Yes | No |
| Spain | No | Yes |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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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