Updated September 29, 2026 · BorrowCue Editorial Team
Solcredito vs TF Bank
Where Solcredito and TF Bank differ
| Compare |  Solcredito |  TF Bank |
|---|---|---|
| APR | 0% to 3,752%Lower | 17.58% |
| Loan amount | €50 to €5,000 | up to €15,000Higher |
| Term | 3 to 60 months | up to 120 monthsHigher |
| Funding time | Decision in 15 minutes, money in your bank account within a few hours | within 1 business day |
| Representative example | 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 | Loan 5300 EUR, fixed rate 16.30% p.a., APR 17.58%, term 80 months, 80 x 109.05 EUR, total 8724.00 EUR |
| Lender type | Broker | Direct lender |
| Eligibility | Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) | 18+, German residence, regular income |
| Loan types | Personal, Payday, Debt consolidation, Credit lineCovers more | Personal, Debt consolidation |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: Arrangement fee (0 EUR), Use cases (Home improvement).
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Key differences
- TF Bank scores higher overall: 9.3 vs 9.0.
- Founded is lower at TF Bank: 1987 vs 2011.
- APR is lower at Solcredito: 0% to 3,752% vs 17.58%.
- Loan amount is higher at TF Bank: up to €15,000 vs €50 to €5,000.
- Term is higher at TF Bank: up to 120 months vs 3 to 60 months.
- Support channels: only TF Bank offers Phone.
- Features: only Solcredito offers Same day funding.
- Loan types: only Solcredito offers Payday, Credit line.
Our verdict on each
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%.
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 | Solcredito | TF Bank |
|---|---|---|
| Cost | 9.9Higher | 8.8Pricing centres on APR of 17.58% with fixed rate structure |
| Offer | 8.4A broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. | 9.5HigherCovers borrowing for personal and debt consolidation with home improvement use |
| Trust | 8.5 | 9.5HigherOperates as direct lender with long operating history |
Choosing between them
Pick Solcredito if cost, apr, and loan types matter most.
Pick TF Bank if offer, loan amount, and term matter most.
From lowest to highest
| Fact | Solcredito | TF Bank |
|---|---|---|
| Loan amount | €50 to €5,000 | up to €15,000 |
| Term | 3 to 60 months | up to 120 months |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3,752% for Solcredito and 17.58% for TF Bank.
FINANZCHECK.de reviewWhere these facts come from
Solcredito
- solcredito.es: 16 facts, checked September 26, 2026
TF Bank
- tfbank.de: 19 facts, checked September 29, 2026
- tfbank.at: 1 fact, checked September 28, 2026
How they place
| Ranking | Solcredito | TF Bank |
|---|---|---|
| Personal loans | 59 of 1932 | 87 of 1932 |
| Debt consolidation loans | 21 of 425 | 32 of 425 |
| Lines of credit | 9 of 328 | 14 of 328 |
| Home improvement loans | 26 of 562 | 38 of 562 |
Every fact side by side
| Fact | Solcredito | TF Bank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Credit line |
| Legal entity | Fiizy OU (registration code 12694462) | Avarda Bank AB |
| Headquarters | Estonia | Sweden |
| Founded | 2011 | 1987Lower |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Solcredito | TF Bank | Median |
|---|---|---|---|
| APR | 0% to 3,752%lowest quarter | 17.58%above the median | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | up to €15,000below the median | €40,000 |
| Term | 3 to 60 monthsat the median | up to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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
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
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
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
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 | Solcredito | TF Bank |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Mexico | Yes | No |
| Spain | Yes | No |
Questions about each
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.
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.