Updated September 28, 2026 · BorrowCue Editorial Team
Sofkredit vs Youmoney ES
Sofkredit vs Youmoney ES: the differences
| Compare |  Sofkredit |  Youmoney ES |
|---|---|---|
| APR | 10.74% to 18.06% | 0% to 349%Lower |
| Loan amount | €12,000 to €300,000Higher | €50 to €1,000 |
| Term | 6 to 240 monthsHigher | 0.23 to 36 months |
| Arrangement fee | 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 | 0 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly | 15 minutes to 24 hours |
| Representative example | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Eligibility | 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 | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Secured, Debt consolidation, Business | Personal, Payday, Secured |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | 6% to 9% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Youmoney ES scores higher overall: 8.9 vs 8.6.
- Sofkredit is available in 2 more countries.
- APR is lower at Youmoney ES: 0% to 349% vs 10.74% to 18.06%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €50 to €1,000.
- Term is higher at Sofkredit: 6 to 240 months vs 0.23 to 36 months.
- Support channels: only Sofkredit offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Sofkredit offers Debt consolidation, Business.
- Loan types: only Youmoney ES offers Personal, Payday.
Our verdict on each
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Sofkredit | Youmoney ES |
|---|---|---|
| Cost | 8.5 | 9.9Higher |
| Offer | 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. | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Sofkredit | Youmoney ES |
|---|---|---|
| APR | 10.74% to 18.06% | 0% to 349% |
| Loan amount | €12,000 to €300,000 | €50 to €1,000 |
| Term | 6 to 240 months | 0.23 to 36 months |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 10.74% to 18.06% for Sofkredit and 0% to 349% for Youmoney ES.
FINANZCHECK.de reviewHow they place
| Ranking | Sofkredit | Youmoney ES |
|---|---|---|
| Loans for bad credit | 2 of 275 | 18 of 275 |
| Secured loans | 1 of 472 | 4 of 472 |
Every fact side by side
| Fact | Sofkredit | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Kova Finance, S.L. | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Support channels | Email, Phone, Help centre | Email, Chat, Help centre |
Mortgages
| Fact | Sofkredit | Youmoney ES |
|---|---|---|
| Initial rate | 8% to 14% | Not confirmed |
| APRC | 10.74% to 18.06% | Not confirmed |
| Fixed period | 0.5 to 20 years | Not confirmed |
| Maximum loan to value | 30% | Not confirmed |
| Product fee | €900 to €1,350 | Not confirmed |
| Purpose | Home equity, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Sofkredit | Youmoney ES | Median |
|---|---|---|---|
| APR | 10.74% to 18.06%above the median | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €12,000 to €300,000highest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 6 to 240 monthshighest quarter | 0.23 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 6% to 9%highest quarter | Not confirmed | 0.25 |
Median across 1005 listed lenders.
Pros and cons
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.
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
Who each suits
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
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
Current offers
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Sofkredit | Youmoney ES |
|---|---|---|
| France | Yes | No |
| Italy | Yes | No |
| Spain | Yes | Yes |
Questions about each
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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.
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