Updated September 29, 2026 · BorrowCue Editorial Team
Qonto ES vs TF Bank
Where Qonto ES and TF Bank differ
| Compare |  Qonto ES |  TF Bank |
|---|---|---|
| APR | 19.5% | 17.58%Lower |
| Loan amount | €750 to €1,000,000Higher | up to €15,000 |
| Term | 1 to 12 months | up to 120 monthsHigher |
| Credit check | Hard | Soft prequal |
| Funding time | Answer within max 48 h, money in the Qonto account within a few days | within 1 business day |
| Lender type | Broker | Direct lender |
| 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 | 18+, German residence, regular income |
| Loan types | Business, Credit line | Personal, Debt consolidation |
| Arrangement fee | Not confirmed | 0 EUR |
| Representative example | Not confirmed | Loan 5300 EUR, fixed rate 16.30% p.a., APR 17.58%, term 80 months, 80 x 109.05 EUR, total 8724.00 EUR |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Good | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed).
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Key differences
- TF Bank scores higher overall: 9.3 vs 8.6.
- Qonto ES is licensed in 1 more country.
- Qonto ES is available in 28 more countries.
- APR is lower at TF Bank: 17.58% vs 19.5%.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs up to €15,000.
- Term is higher at TF Bank: up to 120 months vs 1 to 12 months.
- Support channels: only Qonto ES offers Chat.
- Loan types: only Qonto ES offers Business, Credit line.
- Loan types: only TF Bank offers Personal, 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.
TF Bank
TF Bank suits borrowers in Germany seeking a fixed rate personal or debt consolidation loan with clear monthly payments for home improvement plans. APR sits at 17.58% with funding in within 1 business day and amounts of up to €15,000 over terms of up to 120 through a direct lender setup.
Score breakdown
| Area | Qonto ES | TF Bank |
|---|---|---|
| Cost | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. | 8.8HigherPricing centres on APR of 17.58% with fixed rate structure |
| Offer | 9.0 | 9.5HigherCovers borrowing for personal and debt consolidation with home improvement use |
| Trust | 8.3 | 9.5HigherOperates as direct lender with long operating history |
Ranges side by side
| Fact | Qonto ES | TF Bank |
|---|---|---|
| Loan amount | €750 to €1,000,000 | up to €15,000 |
| Term | 1 to 12 months | up to 120 months |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Qonto ES
1,087.44
1,087.44
TF Bank
977.63
977.63
TF Bank comes out 109.81 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
How they place
| Ranking | Qonto ES | TF Bank |
|---|---|---|
| Lines of credit | 6 of 328 | 14 of 328 |
If neither fits
Nebeus has loan amount at €100 to €10,000,000, against €750 to €1,000,000 for Qonto ES and up to €15,000 for TF Bank.
Nebeus reviewEvery fact side by side
| Fact | Qonto ES | TF Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Credit line |
| Legal entity | QONTO | Avarda Bank AB |
| Headquarters | France | Sweden |
| Founded | Not confirmed | 1987 |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Qonto ES | TF Bank | Median |
|---|---|---|---|
| APR | 19.5%highest quarter | 17.58%above the median | 8.99% |
| Loan amount | €750 to €1,000,000highest quarter | up to €15,000below the median | €40,000 |
| Term | 1 to 12 monthslowest quarter | up to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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.
TF Bank
Pros
- Fixed pricing through fixed and fixed rate for predictable monthly budgeting
- Free arrangement with fees of 0 EUR alongside 0%
- Pre check via soft prequal with funding in within 1 business day
Cons
- Free early repayment is answered no, so settling the balance early may carry a charge
- APR of 17.58% sits higher than 12.74% to 13.01% for price sensitive borrowers
- Eligibility tied to German residence and regular income in 18+, German residence, regular income
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.
TF Bank
Who it suits
- Borrowers planning home improvement using home improvement with fixed payments
- Borrowers consolidating balances using personal and debt consolidation via a direct lender
- Borrowers valuing phone and email help through email, phone and help centre
Who should look elsewhere
- Borrowers planning early repayment may prefer Ibancar Prestamos as free early repayment is answered no here
- Borrowers seeking lower APR cover may prefer Ibancar Prestamos given 12.74% to 13.01% against 17.58%
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 | Qonto ES | TF Bank |
|---|---|---|
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
8 of 30 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.
TF Bank
What does a TF Bank loan cost in APR and fees?+
TF Bank charges APR of 17.58% on a fixed rate basis under fixed. Arrangement fees are 0 EUR with a rate of 0%. The published Representative example outlines total repayable with fixed monthly instalments over a long term.
How much can be borrowed and over what term?+
TF Bank lends amounts of up to €15,000 with terms of up to 120. The structure follows fixed rate with fixed pricing. Monthly payments stay predictable across the agreed term, which helps budgeting for larger home improvement or consolidation plans.
Other options to compare
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