Cofidis vs ABANCA (loans): which is better? Comparison 2026

By our public methodology Cofidis scores 63 out of 100 and ABANCA (loans) scores 53. Below: the factors and facts where they differ, each fact with its source.

Personal loans in Spain 2026: licensed lenders ranked How we rank

1

Cofidis

63/100
3

ABANCA (loans)

53/100

Score breakdown

CofidisABANCA (loans)
Licence4070
Transparency8040
Cost7539
Service6766

Pros and cons

Cofidis

  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • Publishes how to complain
  • No arrangement fee in the standard terms
  • A charge can apply to early repayment

ABANCA (loans)

  • Licence confirmed by the official list or a stated licence number
  • Publishes how to complain
  • New customers can apply online
  • An arrangement fee can apply

Facts side by side

FactCofidisABANCA (loans)
Licensed sinceNot verified2011 abancacorporacionbancaria.com
Licensed by the regulatorYes cofidis.esYes abanca.com
Published rate, % of country reference100% cofidis.es123% abanca.com
Free early repaymentNo cofidis.esNot verified
No arrangement feeYes cofidis.esNo abanca.com
Fees or terms publishedYes cofidis.esNot verified
Complaints procedureYes cofidis.esYes abanca.com
Online application for new customersYes cofidis.esYes abanca.com
Support hours a week50 h cofidis.esNot verified
Maximum amount, % of country reference100% cofidis.es100% abanca.com
Longest term96 mo cofidis.es96 mo abanca.com

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