Updated September 29, 2026 · BorrowCue Editorial Team
Solcredito vs Upgrade
What sets them apart
| Compare |  Solcredito |  Upgrade |
|---|---|---|
| APR | 0% to 3,752%Lower | 7.74% to 35.99% |
| Loan amount | €50 to €5,000 | $1,000 to $50,000 |
| Term | 3 to 60 months | 24 to 84 monthsHigher |
| Arrangement fee | 0 EUR | 1.85%-9.99% one-time origination fee, deducted from loan proceeds |
| Funding time | Decision in 15 minutes, money in your bank account within a few hours | Within 1 business day of clearing verifications |
| 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 | $10,000 unsecured personal loan, 36-month term, 17.59% APR including 13.94% yearly interest rate and 5% one-time origination fee; $9,500 received, $341.48 monthly payment, $12,293.46 total |
| 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) | Be a U.S. citizen, a permanent resident, or living in the U.S. on a valid visa; be at least 18 years old (or older where the majority age is higher); provide verifiable bank account information and a valid email address |
| Loan types | Personal, Payday, Debt consolidation, Credit line | Personal, Debt consolidation, Secured, Car |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 1.85% to 9.99% |
| Credit needed | Poor | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- Upgrade scores higher overall: 9.2 vs 9.0.
- Solcredito is available in 1 more country.
- APR is lower at Solcredito: 0% to 3,752% vs 7.74% to 35.99%.
- Term is higher at Upgrade: 24 to 84 months vs 3 to 60 months.
- Support channels: only Upgrade offers Phone.
- Loan types: only Solcredito offers Payday, Credit line.
- Loan types: only Upgrade offers Secured, Car.
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%.
Upgrade
Upgrade lends directly through Upgrade, Inc. and suits US borrowers who want a fixed rate personal loan, debt consolidation or car finance with fast payout. Amounts run $1,000 to $50,000 over terms of 24 to 84 at a fixed rate, so the monthly figure is set at the start.
Score breakdown
| Area | Solcredito | Upgrade |
|---|---|---|
| Cost | 9.9Higher | 9.0 |
| 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%. | 9.3HigherAmounts of $1,000 to $50,000 over terms of 24 to 84 at a fixed rate, fee taken from the payout. |
| Trust | 8.5 | 9.2Higher |
Licences and countries
| Country | Solcredito | Upgrade |
|---|---|---|
| United States | Not confirmed |
Additional countries for Solcredito: 2. Additional countries for Upgrade: 1.
What each covers
| Loan types | Solcredito | Upgrade |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Car | No | Yes |
| Use cases | Solcredito | Upgrade |
|---|---|---|
| Home improvement | Yes | Yes |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3,752% for Solcredito and 7.74% to 35.99% for Upgrade.
FINANZCHECK.de reviewHow they place
| Ranking | Solcredito | Upgrade |
|---|---|---|
| Personal loans | 59 of 1932 | 91 of 1932 |
| Debt consolidation loans | 21 of 425 | 34 of 425 |
| Lines of credit | 9 of 328 | 15 of 328 |
| Home improvement loans | 26 of 562 | 40 of 562 |
Every fact side by side
| Fact | Solcredito | Upgrade |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Fiizy OU (registration code 12694462) | Upgrade, Inc. |
| Headquarters | Estonia | United States |
| Founded | 2011 | Not confirmed |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Solcredito | Upgrade | Median |
|---|---|---|---|
| APR | 0% to 3,752%lowest quarter | 7.74% to 35.99%below the median | 8.99 |
| Term | 3 to 60 monthsat the median | 24 to 84 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 1.85% to 9.99%above 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
Upgrade
Pros
- Borrowing is priced at a fixed rate, so the monthly payment holds for the life of the loan
- Amounts of $1,000 to $50,000 cover consolidation, car and home improvement plans as listed in personal, debt consolidation and secured
- Free early repayment lets you clear the balance ahead of schedule without a charge
Cons
- The arrangement fee of 1.85% to 9.99% is deducted from the payout, so a loan can arrive smaller than the amount approved
- The top of 7.74% to 35.99% is well above the site median of 12%, so a thin credit file lands at the expensive end
- Eligibility is limited to US citizens, permanent residents or people in the US on a valid visa who can provide verifiable bank details
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
Upgrade
Who it suits
- US residents who want a fixed rate held across the whole term, as fixed shows
- Borrowers consolidating several balances into a single monthly payment
- Car buyers and home improvement planners, the two uses named in home improvement and personal, debt consolidation and secured
Who should look elsewhere
- Borrowers outside the US, since US is where the lender is based and licences are US only
- Anyone wanting a firm rate before a full application, given soft prequal is a soft prequal step
- People who want a fee paid after the fact, because the arrangement fee is taken from the amount borrowed
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 | Upgrade |
|---|---|---|
| Mexico | Yes | No |
| Spain | Yes | No |
| United States | No | Yes |
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.
Upgrade
What rate will I pay on an Upgrade personal loan?+
Pricing runs across 7.74% to 35.99% and is set at a fixed rate, so the monthly amount does not move once the loan starts. The top of that range is well above the site median of 12%, so your credit profile decides where you land.
Is there a fee for taking out an Upgrade loan?+
Yes, an arrangement fee of 1.85% to 9.99% applies to the loan. It is taken from the loan proceeds rather than added to your opening payment, which means the amount that reaches your account is smaller than the amount approved.
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