Updated September 29, 2026 · BorrowCue Editorial Team
Nazivnost vs Qonto ES
Where Nazivnost and Qonto ES differ
| Compare |  Nazivnost |  Qonto ES |
|---|---|---|
| APR | 0.037% to 30,341%Lower | 19.5% |
| Loan amount | CZK 5,000 to CZK 200,000 | €750 to €1,000,000 |
| Term | 2 to 12 months | 1 to 12 months |
| Funding time | Within minutes of approval, at latest the next day | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Direct lender | Broker |
| Eligibility | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts | 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 | Business, Payday | Business, Credit line |
| Credit needed | Fair | Good |
| Arrangement fee | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans | Not confirmed |
| Representative example | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0.05% | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed).
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Key differences
- Nazivnost scores higher overall: 9.0 vs 8.6.
- Qonto ES is available in 29 more countries.
- APR is lower at Nazivnost: 0.037% to 30,341% vs 19.5%.
- Support channels: only Qonto ES offers Chat.
- Features: only Nazivnost offers Same day funding.
- Features: only Qonto ES offers Credit line.
- Loan types: only Nazivnost offers Payday.
- Loan types: only Qonto ES offers Credit line.
Our verdict on each
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
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 | Nazivnost | Qonto ES |
|---|---|---|
| Cost | 9.3HigherRates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. | 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 | 8.8Higher | 8.3 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Nazivnost
1.98 to 3,024,100
1.98 to 3,024,100
Qonto ES
1,087.44
1,087.44
Nazivnost comes out 1,085.46 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Choosing between them
Pick Nazivnost if cost, trust, and apr matter most.
Pick Qonto ES if offer matter most.
How they place
| Ranking | Nazivnost | Qonto ES |
|---|---|---|
| Business loans | 13 of 435 | 5 of 435 |
Every fact side by side
| Fact | Nazivnost | Qonto ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | CreditKasa s.r.o. (IČO 048 23 541) | QONTO |
| Headquarters | Czechia | France |
| Founded | 2016 | Not confirmed |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Nazivnost | Qonto ES | Median |
|---|---|---|---|
| APR | 0.037% to 30,341%lowest quarter | 19.5%highest quarter | 8.99 |
| Term | 2 to 12 monthslowest quarter | 1 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0.05%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
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
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
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
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 | Nazivnost | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 30 countries where either is available.
Questions about each
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.
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.
Other options to compare
Other matchups
- Nazivnost vs Sofkredit
- Nazivnost vs Andacredito
- Qonto ES vs Plazo ES
- Nazivnost vs 5in5
- Qonto ES vs Multitude Bank p.l.c
- Qonto ES vs Cashspace
- Qonto ES vs Solcredito
- Nazivnost vs Lendela
- Nazivnost vs BriteCap Financial
- Qonto ES vs Kredivo
- Qonto ES vs Moneyveo UA
- Qonto ES vs TF Bank
- Qonto ES vs Upgrade
- Nazivnost vs Novo
- Nazivnost vs Smartney