Updated September 28, 2026 · BorrowCue Editorial Team
Youmoney vs Youmoney ES
Youmoney vs Youmoney ES: the differences
| Compare |  Youmoney |  Youmoney ES |
|---|---|---|
| APR | 25.28% to 72.19% | 0% to 349%Lower |
| Loan amount | PLN 100 to PLN 10,000 | €50 to €1,000 |
| Term | 24 months | 0.23 to 36 monthsHigher |
| Arrangement fee | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example | 0 EUR |
| Funding time | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day | 15 minutes to 24 hours |
| Representative example | 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 | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Rate type | Fixed | Variable |
| Eligibility | 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) | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday, Debt consolidation | Personal, Payday, Secured |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 33.76% | Not confirmed |
Same on both: Credit check (Hard), Lender type (Broker), Credit needed (Poor).
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Key differences
- Youmoney ES scores higher overall: 8.9 vs 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Youmoney ES: 0% to 349% vs 25.28% to 72.19%.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 24 months.
- Support channels: only Youmoney offers Phone.
- Loan types: only Youmoney offers Debt consolidation.
- Loan types: only Youmoney ES offers Secured.
Our verdict on each
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.
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 | Youmoney | Youmoney ES |
|---|---|---|
| Cost | 8.5APR runs 25.28% to 72.19% with a 33.76% commission in the instalment-loan example, so total cost is high. | 9.9Higher |
| Offer | 9.2HigherCoverage spans personal, payday and debt consolidation, funding is listed as same day funding, and early repayment carries no charge. | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.2 | 8.3Higher |
From lowest to highest
| Fact | Youmoney | Youmoney ES |
|---|---|---|
| APR | 25.28% to 72.19% | 0% to 349% |
Positions in our rankings
| Ranking | Youmoney | Youmoney ES |
|---|---|---|
| Personal loans | 32 of 1932 | 31 of 1932 |
| Payday and short-term loans | 14 of 246 | 13 of 246 |
| Loans for bad credit | 19 of 275 | 18 of 275 |
Availability and regulation
Available in 1 country for both. Additional countries for Youmoney: 2.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 25.28% to 72.19% for Youmoney and 0% to 349% for Youmoney ES.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Youmoney | Youmoney ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Findao sp. z o.o. | Findao Sp. z o.o. |
| Headquarters | Poland | Poland |
| Founded | 2022 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Youmoney | Youmoney ES | Median |
|---|---|---|---|
| APR | 25.28% to 72.19%highest quarter | 0% to 349%lowest quarter | 8.99 |
| Term | 24 monthslowest quarter | 0.23 to 36 monthsbelow the median | 60 months |
| Origination fee (%) | 33.76%highest quarter | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
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
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.
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
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
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 | Youmoney | Youmoney ES |
|---|---|---|
| Poland | Yes | No |
| Romania | Yes | No |
| Spain | Yes | Yes |
Questions about each
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.
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.