Updated September 29, 2026 · BorrowCue Editorial Team
MoneyLion vs Qonto ES
MoneyLion vs Qonto ES: the differences
| Compare |  MoneyLion |  Qonto ES |
|---|---|---|
| APR | 0%Lower | 19.5% |
| Loan amount | up to $500 | €750 to €1,000,000 |
| Credit check | None | Hard |
| Funding time | Within minutes with optional Turbo delivery fee, or 1-5 business days at no cost | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Marketplace | Broker |
| Eligibility | Legal resident of the United States, at least 18 years old (age of majority in state of residence); service availability varies by state | 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 | Personal, Debt consolidation, Cash advance | Business, Credit line |
| Credit needed | Poor | Good |
| Term | Not confirmed | 1 to 12 months |
| Arrangement fee | $0 (no origination or monthly fee on Instacash; optional tip $0 and up and optional Turbo delivery fee $0.49-$8.99) | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- MoneyLion scores higher overall: 9.1 vs 8.6.
- Qonto ES is licensed in 1 more country.
- Qonto ES is available in 29 more countries.
- APR is lower at MoneyLion: 0% vs 19.5%.
- Support channels: only MoneyLion offers Community.
- Support channels: only Qonto ES offers Chat.
- Features: only MoneyLion offers Same day funding.
- Features: only Qonto ES offers Credit line.
- Loan types: only MoneyLion offers Personal, Debt consolidation, Cash advance.
- Loan types: only Qonto ES offers Business, Credit line.
Our verdict on each
MoneyLion
MoneyLion suits US adults who need a cash advance without a credit check or a fee, and its 0% APR is the same whoever applies. The marketplace side widens the choice of loan, but lender set pricing and a up to $500 cap on the cash advance keep it out of reach for anything larger.
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 | MoneyLion | Qonto ES |
|---|---|---|
| Cost | 9.7HigherInstacash is listed at an APR of 0%, and the cash advance carries an origination charge of 0% and no monthly fee. | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 9.8Higher | 9.0 |
| Trust | 8.1 | 8.3Higher |
Side by side, item by item
| Loan types | MoneyLion | Qonto ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Business | No | Yes |
| Cash advance | Yes | No |
Availability and regulation
| Country | MoneyLion | Qonto ES |
|---|---|---|
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Spain | Not confirmed | Banco de Espana 16958 |
| United States | Not confirmed |
Additional countries for MoneyLion: 1. Additional countries for Qonto ES: 30.
Sources behind this comparison
MoneyLion
- moneylion.com: 15 facts, checked September 26, 2026
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | MoneyLion | Qonto ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | MoneyLion Technologies Inc. | QONTO |
| Headquarters | United States | France |
| Support channels | Phone, Email, Help centre, Community | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | MoneyLion | Qonto ES | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 19.5%highest quarter | 8.99% |
| Term | Not confirmed | 1 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
MoneyLion
Pros
- The cash advance carries a credit check of none, so a poor credit file does not stop a draw.
- Money can land within minutes on the paid delivery route, and same day funding is among the features the brand is listed under.
- personal, debt consolidation and cash advance run through the same marketplace, which widens choice beyond a single funder.
Cons
- The 0% headline describes the cash advance only. Pricing on a personal loan or a consolidation loan comes from the partner lender inside the marketplace, so the figure does not carry over.
- A single draw is capped at up to $500, which leaves a home improvement project dependent on the marketplace side.
- The optional Turbo delivery fee sits on top of the 0% APR for anyone who wants the money within minutes.
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
MoneyLion
Who it suits
- US adults who need a cash advance quickly and cannot pass a credit check.
- Borrowers with poor credit who want short term cash at an APR of 0%.
- People comfortable with a marketplace, where the funder behind the loan is set by the match rather than by the app.
Who should look elsewhere
- Anyone after a large home improvement loan. Monzo Flex quotes 10% to 23% on a personal loan, a different product from a up to $500 cash advance.
- Borrowers who want one lender and one published price. Monzo Flex shows 10% to 23% up front, while MoneyLion's personal loan pricing follows the marketplace.
- Borrowers in another market. Cashspace quotes PHP 12 to PHP 36 and Cashspace ES lends €100 to €5,000, and MoneyLion's service is limited to the United States.
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
MoneyLion
Current offer
Bonus
Shake 'N' Bank Cash Back Promotion: Cash back from $0.01, cap $500 per transaction, up to 5 shakes per month
MoneyLion member in good standing; qualified purchases of $10 or more in a single transaction with the MoneyLion Debit Mastercard or Spend Virtual Card; unlimited shakes with an active WOW membership
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 | MoneyLion | 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
MoneyLion
What does a MoneyLion cash advance cost?+
The Instacash cash advance is listed at an APR of 0%, with an origination charge of 0% and no monthly fee. Two extras sit on top if you want them, an optional tip, which you can leave at free, and the optional Turbo delivery fee that comes with money within minutes. Nothing else is charged for the account.
Is there a credit check on the Instacash cash advance?+
The cash advance carries a credit check of none, so there is no file to pass before the money is released, which is the point for anyone whose credit is thin. The personal and debt consolidation side works differently, running through a marketplace where the partner lender sets its own requirements and MoneyLion is placed at poor.
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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