Updated September 29, 2026 · BorrowCue Editorial Team
5in5 vs Creditilia ES
5in5 vs Creditilia ES: the differences
| Compare |  5in5 |  Creditilia ES |
|---|---|---|
| Loan amount | €5,000 | €500 to €50,000Higher |
| Term | 0.5 to 24 months | 3 to 96 monthsHigher |
| Arrangement fee | One-off fee deducted from payout | EUR 0 - no opening, study or early repayment fee |
| Funding time | Same day up to 1 business day | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Lender type | Direct lender | Marketplace |
| Eligibility | Sole proprietorship or single-owner BV registered with KvK with a business account | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Loan types | Business, Bridging | Personal, Payday, Debt consolidation, Business, Guarantor, Car |
| APR | Not confirmed | 4% to 289% |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- 5in5 scores higher overall: 9.4 vs 8.7.
- Loan amount is higher at Creditilia ES: €500 to €50,000 vs €5,000.
- Term is higher at Creditilia ES: 3 to 96 months vs 0.5 to 24 months.
- Loan types: only 5in5 offers Bridging.
- Loan types: only Creditilia ES offers Personal, Payday, Debt consolidation.
Our verdict on each
5in5
5in5 suits Dutch sole traders and single owner firms seeking brief business cover paid in Same day up to 1 business day. You receive €5,000 with terms that run 0.5 to 24, backed by support through email, phone and help centre from 5in5 BV.
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
Score breakdown
| Area | 5in5 | Creditilia ES |
|---|---|---|
| Cost | Not confirmed | 9.4Fees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. |
| Offer | 9.4HigherOffer reflects payout in Same day up to 1 business day with terms that run 0.5 to 24 | 8.5 |
| Trust | 9.3HigherTrust reflects operation as 5in5 BV based in NL | 8.1 |
Where they rank in our lists
| Ranking | 5in5 | Creditilia ES |
|---|---|---|
| Business loans | 3 of 435 | 8 of 435 |
Feature by feature
| Loan types | 5in5 | Creditilia ES |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
| Guarantor | No | Yes |
| Bridging | Yes | No |
Every fact side by side
| Fact | 5in5 | Creditilia ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed |
Mortgages
| Fact | 5in5 | Creditilia ES |
|---|---|---|
| Initial rate | Not confirmed | 4% |
| APRC | Not confirmed | 4.12% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | 5in5 | Creditilia ES | Median |
|---|---|---|---|
| APR | Not confirmed | 4% to 289%lowest quarter | 8.99 |
| Loan amount | €5,000lowest quarter | €500 to €50,000above the median | €40,000 |
| Term | 0.5 to 24 monthslowest quarter | 3 to 96 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
5in5
Pros
- Payout in Same day up to 1 business day helps when timing matters for stock or invoices
- Fixed ticket of €5,000 keeps budgeting clear for short dated needs
- Terms that run 0.5 to 24 suit brief gaps rather than extended debt
Cons
- Fixed amount of €5,000 may feel tight next to Qonto with €150 to €100,000 for larger projects
- Terms that run 0.5 to 24 require swift repayment compared with longer business facilities
- Support through email, phone and help centre lacks chat, which some borrowers may prefer
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
Who each suits
5in5
Who it suits
- Sole businesses needing €5,000 may prefer 5in5 over Qonto with €150 to €100,000 when the need is modest
- Firms valuing payout in Same day up to 1 business day may prefer 5in5 over Sofkredit with €12,000 to €300,000
- Dutch traders based near NL may prefer local handling over Finmercado with MXN 500 to MXN 200,000
Who should look elsewhere
- Borrowers needing larger tickets than €5,000 may prefer Qonto with €150 to €100,000
- Borrowers seeking peso funding may prefer Finmercado with MXN 500 to MXN 200,000
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
Country by country
| Country | 5in5 | Creditilia ES |
|---|---|---|
| Netherlands | Yes | No |
| Spain | No | Yes |
Questions about each
5in5
Who can apply for a loan from this lender+
You apply as a registered sole business with a business account and request €5,000. Terms run 0.5 to 24 and payout arrives in Same day up to 1 business day. The structure suits short dated needs where rapid settlement matters more than extended repayment.
How large is the loan and how long does it last+
The ticket is fixed at €5,000, so planning is simple but flexibility is limited. Terms run 0.5 to 24, which keeps the commitment short dated. Borrowers needing larger sums may compare Qonto with €150 to €100,000 before deciding.
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
Other options to compare
Other matchups
- Creditilia ES vs Cathay United Bank
- Creditilia ES vs Oney Préstamos ES
- 5in5 vs Sofkredit
- Creditilia ES vs Quick Car Finance
- 5in5 vs Andacredito
- Creditilia ES vs Finteres
- 5in5 vs Qonto ES
- Creditilia ES vs Me Presta MX
- 5in5 vs Lendela
- 5in5 vs BriteCap Financial
- Creditilia ES vs Commerzbank
- Creditilia ES vs Postbank
- 5in5 vs Novo
- Creditilia ES vs CHECK24
- 5in5 vs Nazivnost
- 5in5 vs Smartney
- 5in5 vs Bizcap
- Creditilia ES vs MoneyHero
- Creditilia ES vs CitiBank AE
- Creditilia ES vs Borrowell