Updated September 30, 2026 · BorrowCue Editorial Team
Alt Lending vs Creditio
What sets them apart
| Compare |  Alt Lending |  Creditio |
|---|---|---|
| APR | 3% | 3% to 36% |
| Arrangement fee | 0 | 0 EUR |
| Rate type | Fixed | Variable |
| Lender type | Direct lender | Broker |
| Loan types | Student | Personal, Debt consolidation, Car, Secured, StudentCovers more |
| Loan amount | Not confirmed | €100 to €500,000 |
| Term | Not confirmed | 2 to 240 months |
| Funding time | Not confirmed | Immediate decision in minutes; funds come from the lender you connect to |
| Representative example | Not confirmed | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | Users must be over 18; site targets residents of Spain plus the country sites listed in the menu (MX, CO, IT, PT, BR, RO, ZA, PL, DE, PH) |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Soft prequal).
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Key differences
- Alt Lending scores higher overall: 9.4 vs 8.8.
- Support channels: only Alt Lending offers Help centre.
- Loan types: only Creditio offers Personal, Debt consolidation, Car.
Our verdict on each
Alt Lending
Alt Lending suits students with low credit who want a fixed rate student loan from a direct lender in the United States. The rate is listed as APR of 3% with origination fees of 0 and early repayment is yes, while prequalification uses a soft check that leaves scores untouched for initial review.
Creditio
Creditio suits Spanish adults who want a broker to find them a lender quickly and who value a 0 EUR arrangement fee over a fixed rate. The wide rate range means the quote you receive matters more here than the headline does.
Score breakdown
| Area | Alt Lending | Creditio |
|---|---|---|
| Cost | 9.5Cost reflects APR of 3% with origination fees of 0 | 9.6HigherCosts rest on the 0 EUR arrangement fee and the no-cost personal loan example, while 3% to 36% stretches to a high ceiling. |
| Offer | 9.3HigherOffer reflects student focus shown by student with fixed rate | 8.4 |
| Trust | 9.3HigherTrust reflects direct lender status shown by direct lender | 8.3 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Alt Lending
469.24
469.24
Creditio
469.24 to 6,489.37
469.24 to 6,489.37
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 30, 2026.
Choosing between them
Pick Alt Lending if offer matter most.
Pick Creditio if loan types matter most.
Availability and regulation
| Country | Alt Lending | Creditio |
|---|---|---|
| United States | NMLS 2571325 | Not confirmed |
What we checked
Alt Lending
- altlendingllc.com: 12 facts, checked September 30, 2026
Creditio
- creditio.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Alt Lending | Creditio |
|---|---|---|
| Private student loans | 8 of 167 | 7 of 167 |
Every fact side by side
| Fact | Alt Lending | Creditio |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Alt Lending, LLC | WITME ADVERTISING S.L. |
| Headquarters | United States | Spain |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Alt Lending | Creditio | Median |
|---|---|---|---|
| APR | 3%lowest quarter | 3% to 36%lowest quarter | 8.99% |
| Loan amount | Not confirmed | €100 to €500,000highest quarter | €40,000 |
| Term | Not confirmed | 2 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Alt Lending
Pros
- APR of 3% keeps yearly cost visible against peers such as Ibancar Prestamos with APR of 12.74% to 13.01%
- Origination fees of 0 keep setup costs down compared with lenders that deduct arrangement charges
- Prequalification uses soft prequal which allows rate review without harm to credit at the early stage
Cons
- Support runs on phone, email and help centre only, which limits contact for borrowers who prefer chat with live agents
- Choice is tied to student only, which limits use for borrowers who need personal or car cover available elsewhere
- Rate structure is tied to fixed only, which limits flexibility for borrowers who prefer a variable option
Creditio
Pros
- The arrangement fee is 0 EUR on the personal loan in the representative example, so nothing is added on top of the interest.
- The low end of 3% to 36% sits below Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%.
- The credit check is a soft prequalification, soft prequal, where 72.7% of the brands compared use a hard check.
Cons
- The rate type is variable, so 3% to 36% is a range you are quoted into rather than a price fixed for the whole term.
- Creditio is a broker, so it never lends to you: the money and the contract both belong to the lender you are connected to, and that lender sets the final terms.
- Terms run 2 to 240, well short of the 480 seen across the brands compared, so a large balance has to be repaid quickly.
Who each suits
Alt Lending
Who it suits
- Students seeking student cover with fixed pricing who accept APR of 3% and origination fees of 0
- Borrowers with low credit profiles shown by poor who value soft prequal review and direct handling shown by direct lender
- Families comparing student specialists against Ibancar Prestamos who prefer a defined student lender over general credit providers
Who should look elsewhere
- Borrowers who need general personal cover should consider Ibancar Prestamos because Alt Lending offers student only
- Borrowers who want card style revolving credit should consider AXI Card Tarjeta y Credito because Alt Lending offers fixed rate loans only
Creditio
Who it suits
- Adults in Spain, and residents of the other country markets named in the eligibility notice, who would rather a broker did the searching.
- Borrowers whose main worry is the arrangement charge, since the fee is 0 EUR on the personal loan example.
- People who need an answer the same day, since the decision comes back in minutes.
Who should look elsewhere
- Borrowers chasing the very lowest headline rate, since Cashspace ES quotes 0%.
- Anyone unwilling to be matched to a different lender, because Creditio is a broker and both the money and the contract sit with the lender you are connected to.
- Readers comparing on a typical rate, since the median advertised rate across the brands compared is 12% while Creditio's own 3% to 36% range is far wider.
Country by country
| Country | Alt Lending | Creditio |
|---|---|---|
| Brazil | No | Yes |
| Colombia | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Mexico | No | Yes |
| Philippines | No | Yes |
| Poland | No | Yes |
| Portugal | No | Yes |
8 of 11 countries where either is available.
Questions about each
Alt Lending
What APR does Alt Lending charge on private student loans+
Alt Lending lists APR of 3% for its private student loans. The figure shows the yearly cost of borrowing before fees and it allows direct comparison with other lenders on BorrowCue. Borrowers should read the loan terms alongside the APR to grasp total repayment.
Does Alt Lending charge an origination fee+
Alt Lending lists origination fees of 0. That means borrowers face no upfront deduction for arranging the loan and the advance reflects the approved amount. This keeps initial costs clear when comparing student offers across states.
Creditio
What does it cost to arrange a loan through Creditio?+
The arrangement fee is 0 EUR, and the personal loan in the representative example is repaid at no cost at all. The interest rate is the figure that matters, and the example shows a rate below the advertised range of 3% to 36%. Read the two together: the charge is thin, but the range is wide enough that matches will differ, so ask for a written quote before you commit.
What rate will I be offered?+
The advertised range runs 3% to 36% and the rate type is variable, so the rate can move over the life of the loan. For reference, the median advertised rate across the brands compared here is 12%, and Monzo Flex runs 10% to 23%. Ask for the figure in writing, because a rate quoted today is not the rate you repay at later on.
Other options to compare
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