Updated September 29, 2026 · BorrowCue Editorial Team
Qonto ES vs Solcredito
Qonto ES vs Solcredito: the differences
| Compare |  Qonto ES |  Solcredito |
|---|---|---|
| APR | 19.5% | 0% to 3,752%Lower |
| Loan amount | €750 to €1,000,000Higher | €50 to €5,000 |
| Term | 1 to 12 months | 3 to 60 monthsHigher |
| Funding time | Answer within max 48 h, money in the Qonto account within a few days | Decision in 15 minutes, money in your bank account within a few hours |
| Eligibility | 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 | Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) |
| Loan types | Business, Credit line | Personal, Payday, Debt consolidation, Credit line |
| Credit needed | Good | Poor |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 1,500.00 EUR credit line drawn in full at first draw, repaid in 12 instalments, 20.04% annual rate (1.67% monthly), resulting TAE 21.99%, no fees |
| Rate type | Fixed | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
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Key differences
- Solcredito scores higher overall: 9.0 vs 8.6.
- Qonto ES is available in 28 more countries.
- APR is lower at Solcredito: 0% to 3,752% vs 19.5%.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €50 to €5,000.
- Term is higher at Solcredito: 3 to 60 months vs 1 to 12 months.
- Support channels: only Qonto ES offers Chat, Phone.
- Features: only Solcredito offers Same day funding.
- Loan types: only Qonto ES offers Business.
- Loan types: only Solcredito offers Personal, Payday, Debt consolidation.
Our verdict on each
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.
Solcredito
Solcredito suits Spanish borrowers with a poor credit file needing a small amount quickly, and the arrangement fee on the personal loan offer is 0 EUR. It is a broker rather than a lender, so the rate depends on which lender answers, with rates running as high as 0% to 3,752%.
Score breakdown
| Area | Qonto ES | Solcredito |
|---|---|---|
| Cost | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. | 9.9Higher |
| Offer | 9.0Higher | 8.4A broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. |
| Trust | 8.3 | 8.5Higher |
Licences and countries
| Country | Qonto ES | Solcredito |
|---|---|---|
| France | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
| Spain | Banco de Espana 16958 | Not confirmed |
Available in 1 country for both. Additional countries for Qonto ES: 29. Additional countries for Solcredito: 1.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Qonto ES
543.72
543.72
Solcredito
0 to 182,600.01
0 to 182,600.01
Solcredito comes out 543.72 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.
How they place
| Ranking | Qonto ES | Solcredito |
|---|---|---|
| Lines of credit | 6 of 328 | 9 of 328 |
Every fact side by side
| Fact | Qonto ES | Solcredito |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | QONTO | Fiizy OU (registration code 12694462) |
| Headquarters | France | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Qonto ES | Solcredito | Median |
|---|---|---|---|
| APR | 19.5%highest quarter | 0% to 3,752%lowest quarter | 8.99% |
| Loan amount | €750 to €1,000,000highest quarter | €50 to €5,000lowest quarter | €40,000 |
| Term | 1 to 12 monthslowest quarter | 3 to 60 monthsat the median | 60 |
Median across 1005 listed lenders.
Pros and cons
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.
Solcredito
Pros
- Arrangement fee of 0 EUR on the personal loan offer, and the representative example records no fees on the credit line
- A decision in minutes and money in the account within a few hours
- Accepts a poor credit profile, which covers a large share of the loans on the site
Cons
- The cost range runs up to 0% to 3,752%, well above the 25.03% upper quartile for personal loans on the site
- Solcredito is a broker, so the lender setting the rate is not named in the offer
- Support runs on email and help centre only, with no phone line listed
Who each suits
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.
Solcredito
Who it suits
- Adults in Spain with a poor credit profile who need money in the account the same day
- Borrowers covering home improvement who can repay inside 3 to 60
- People who prefer written support through a help centre and email rather than by phone
Who should look elsewhere
- Borrowers with a strong credit file, who will find rates well under the 0% to 3,752% ceiling on a direct lender
- Anyone needing to borrow more than €50 to €5,000 or to repay over a longer period than 3 to 60
- Readers who want a named lender and a regulated protection scheme, neither of which appears for this broker
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
Solcredito
Current offer
First period offer
Extra 5000 EUR desde 0% para eventos especiales / primer prestamo al 0% de interes: 0% interest, extra amount up to 5,000 EUR
New customers, first loan, promotional event offer
Source, checked September 26, 2026
First period offer
Extra $12,000 desde 0% para eventos especiales / primer prestamo desde 0% de interes (Mexico): 0% interest, extra amount up to 12,000 MXN
New customers, first loan, Mexico offer; deposit within 24hrs claimed
checked September 26, 2026
Country by country
| Country | Qonto ES | Solcredito |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 31 countries where either is available.
Questions about each
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.
Solcredito
What rate will I pay through Solcredito?+
Annual rates run 0% to 3,752%, a wide spread that reflects the partner lenders Solcredito works with rather than one set price. The site's median personal loan rate is 12%. The representative example shows a credit line drawn in full, repaid over a set number of instalments at a stated annual rate and monthly rate, with the resulting TAE and no fees.
Are there arrangement fees or hidden costs?+
The arrangement fee is 0 EUR on the personal loan offer, and the representative example states no fees on the credit line it illustrates. A broker can still pass on lender costs inside the rate itself, so the figure to weigh is the TAE in any offer you receive.
Other options to compare
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