Updated September 28, 2026 · BorrowCue Editorial Team
Nazivnost vs Sofkredit
Nazivnost scores 9.0 and Sofkredit 8.6 out of 10. Compare their differences and shared features below.
Nazivnost vs Sofkredit: the differences
| Compare |  Nazivnost |  Sofkredit |
|---|---|---|
| APR | 0.037% to 30,341%Lower | 10.74% to 18.06% |
| Loan amount | CZK 5,000 to CZK 200,000 | €12,000 to €300,000 |
| Term | 2 to 12 months | 6 to 240 monthsHigher |
| 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 | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Hard | Soft prequal |
| Funding time | Within minutes of approval, at latest the next day | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| 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 | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| 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 | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | 0.05%Lower | 6% to 9% |
| Loan types | Business, Payday | Secured, Debt consolidation, Business |
| Credit needed | Fair | Poor |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Nazivnost scores higher overall: 9.0 vs 8.6.
- Sofkredit is available in 2 more countries.
- APR is lower at Nazivnost: 0.037% to 30,341% vs 10.74% to 18.06%.
- Origination fee (%) is lower at Nazivnost: 0.05% vs 6% to 9%.
- Term is higher at Sofkredit: 6 to 240 months vs 2 to 12 months.
- Loan types: only Nazivnost offers Payday.
- Loan types: only Sofkredit offers Secured, Debt consolidation.
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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Nazivnost | Sofkredit |
|---|---|---|
| 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. | 8.5 |
| Offer | 8.7 | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 8.8Higher | 8.3 |
Where they rank in our lists
| Ranking | Nazivnost | Sofkredit |
|---|---|---|
| Loans for bad credit | 57 of 275 | 2 of 275 |
| Business loans | 13 of 435 | 1 of 435 |
Licences and countries
| Country | Nazivnost | Sofkredit |
|---|---|---|
| Italy | Not confirmed | |
| Spain | Not confirmed | Banco de Espana E020 |
Additional countries for Nazivnost: 1. Additional countries for Sofkredit: 3.
Every fact side by side
| Fact | Nazivnost | Sofkredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | CreditKasa s.r.o. (IČO 048 23 541) | Kova Finance, S.L. |
| Headquarters | Czechia | Spain |
| Founded | 2016 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Nazivnost | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Nazivnost | Sofkredit | Median |
|---|---|---|---|
| APR | 0.037% to 30,341%lowest quarter | 10.74% to 18.06%above the median | 8.99 |
| Term | 2 to 12 monthslowest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | 0.05%below the median | 6% to 9%highest quarter | 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.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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%.
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
Country by country
| Country | Nazivnost | Sofkredit |
|---|---|---|
| Czechia | Yes | No |
| France | No | Yes |
| Italy | No | Yes |
| Spain | No | Yes |
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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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