Updated October 12, 2026 · BorrowCue Editorial Team
Repagalia ES vs Youmoney
Facts checked September 26, 2026.
Repagalia ES vs Youmoney: the differences
| Compare |  Repagalia ES |  Youmoney |
|---|---|---|
| Arrangement fee | Service fee charged, mostly calculated as a percentage of the savings achieved and already included in the liquidation plan | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Credit check | None | Hard |
| Eligibility | Individuals and self-employed (autonomos) in Spain with debts causing economic difficulty, with or without declared defaults; the Second Opportunity route additionally requires proven insolvency | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Loan types | Debt consolidation | Personal, Payday, Debt consolidationCovers more |
| APR | Not confirmed | 25.28% to 72.19% |
| Loan amount | Not confirmed | PLN 100 to PLN 10,000 |
| Term | Not confirmed | 24 months |
| Funding time | Not confirmed | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | Not confirmed | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 33.76% |
Same on both: Lender type (Broker), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Youmoney is available in 2 more countries.
- Support channels: only Youmoney offers Chat.
- Loan types: only Youmoney offers Personal, Payday.
Our verdict on each
Repagalia ES
Repagalia debt consolidation and legal cancellation covers reunification into a single monthly payment and insolvency routes without new borrowing. It is a broker that analyses each case, explains suitable alternatives through its calculator and team, and guides people struggling with multiple loans toward recovery.
Youmoney
Youmoney suits Polish borrowers who need money within hours and who can absorb a steep rate, offering payday, instalment and consolidation loans through a single application. What you pay is the trade-off: 25.28% to 72.19%, an arrangement fee of 33.76% of the amount borrowed, and a term of 24 months.
Score breakdown
| Area | Repagalia ES | Youmoney |
|---|---|---|
| Cost | Not confirmed | 8.5APR runs 25.28% to 72.19% with a 33.76% commission in the instalment-loan example, so total cost is high. |
| Offer | 9.2 | 9.2Coverage spans personal, payday and debt consolidation, funding is listed as same day funding, and early repayment carries no charge. |
| Trust | 8.3Higher | 8.2 |
Where each is licensed and available
| Country | Repagalia ES | Youmoney |
|---|---|---|
| Spain | Not confirmed |
Available in 1 country for both. Additional countries for Youmoney: 2.
Where they rank in our lists
| Ranking | Repagalia ES | Youmoney |
|---|---|---|
| Loans for bad credit | 17 of 276 | 19 of 276 |
| Debt consolidation loans | 11 of 425 | 12 of 425 |
Every fact side by side
| Fact | Repagalia ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | REPAGALIA, S.L. | Findao sp. z o.o. |
| Headquarters | Spain | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Email, Phone, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Repagalia ES | Youmoney | Median |
|---|---|---|---|
| APR | Not confirmed | 25.28% to 72.19%highest quarter | 8.99 |
| Loan amount | Not confirmed | PLN 100 to PLN 10,000lowest quarter | PLN 100,000 |
| Term | Not confirmed | 24 monthslowest quarter | 60 months |
| Origination fee (%) | Not confirmed | 33.76%highest quarter | 0.25% |
Median across 1007 listed lenders.
Pros and cons
Repagalia ES
Pros
- Reunifies loans, cards and small credits into one monthly payment
- Offers legal cancellation route for proven insolvency cases
- Provides case analysis plus calculator previewing suitable alternatives
Cons
- Covers only reunification and cancellation, without new loan products
- Service centres on arrears and insolvency rather than standard borrowing
Youmoney
Pros
- Money can move fast: the stated funding time is minutes with the fastest lenders, usually a few hours, and at the latest by the end of the next business day.
- Early repayment is free, so settling the balance ahead of schedule adds no fee to the bill.
- The offer covers personal, payday and debt consolidation under a single application, which saves shopping lender by lender.
Cons
- The APR runs 25.28% to 72.19%, well above the 10% to 23% band at Monzo Flex, so the cost of access is high.
- The arrangement fee in the instalment-loan representative example is 33.76% of the amount borrowed, charged on top of the interest.
- A hard credit check runs on every application, so a rejected or repeated attempt leaves a full search on your file.
Who each suits
Repagalia ES
Who it suits
- People managing several loans, cards or small credits
- People in insolvency seeking legal debt cancellation
- People refused financing due to payment problems
Who should look elsewhere
- People seeking new credit rather than debt reduction
Youmoney
Who it suits
- Polish borrowers with an emergency bill or a short gap who need the money within hours rather than days.
- Applicants whose income is not a salary, including self-employed workers, pensioners and anyone on an allowance or alimony.
- Anyone planning to clear a small balance quickly, since early repayment is free and the term is 24 months.
Who should look elsewhere
- Monzo Flex, whose APR of 10% to 23% sits far below 25.28% to 72.19% for anyone who can qualify there.
- Cashspace, which quotes PHP 12 to PHP 36 in a different market, if the rate on paper matters more than the pace.
Current offers
Youmoney
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Repagalia ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| Spain | Yes | Yes |
Questions about each
Repagalia ES
What does Repagalia do?+
Repagalia is a broker that analyses each case and proposes a suitable debt solution. It helps reduce balances through reunification or pursue legal discharge where insolvency allows. The purpose is to replace unmanageable payments with a structured path toward recovery.
Which debts can be brought together?+
The calculator accepts loans, cards and small credits to outline a saving plan. Those balances can be reunified into a single monthly payment that is easier to manage. The approach does not request additional borrowing as part of the reunification.
Youmoney
What APR will I pay on a Youmoney loan?+
The advertised range is 25.28% to 72.19%, and the instalment-loan representative example sits inside that band at a fixed rate. The figure to watch is the total repayable in the example rather than the headline percentage, because the commission charged alongside the interest adds a large share of the amount borrowed.
What fees are charged on top of the interest?+
The listed charge beyond interest is the arrangement fee. In the instalment-loan representative example the commission is 33.76% of the amount borrowed, which is the largest single addition to the bill and the reason the total repayable overshoots the sum you asked for. Compare total repayable figures across quotes, not the rate alone.