Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Creditilia ES
Andacredito vs Creditilia ES: the differences
| Compare |  Andacredito |  Creditilia ES |
|---|---|---|
| APR | 0% to 36%Lower | 4% to 289% |
| Loan amount | €100 to €5,000 | €500 to €50,000Higher |
| Term | 2 to 3 months | 3 to 96 monthsHigher |
| Arrangement fee | 0 EUR | EUR 0 - no opening, study or early repayment fee |
| Funding time | 10 minutes | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 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 | Variable | Fixed |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Payday, Debt consolidation, Business, Guarantor, Car |
| Credit check | Not confirmed | Hard |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes), Origination fee (%) (0%), Credit needed (Poor).
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
- APR is lower at Andacredito: 0% to 36% vs 4% to 289%.
- Loan amount is higher at Creditilia ES: €500 to €50,000 vs €100 to €5,000.
- Term is higher at Creditilia ES: 3 to 96 months vs 2 to 3 months.
- Loan types: only Andacredito offers Student.
- Loan types: only Creditilia ES offers Guarantor.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
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 | Andacredito | Creditilia ES |
|---|---|---|
| Cost | 9.5Higher | 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 | 8.3 | 8.5Higher |
| Trust | 8.3Higher | 8.1 |
Where they rank in our lists
| Ranking | Andacredito | Creditilia ES |
|---|---|---|
| Personal loans | 13 of 1932 | 51 of 1932 |
| Payday and short-term loans | 4 of 246 | 24 of 246 |
| Loans for bad credit | 9 of 275 | 31 of 275 |
| Debt consolidation loans | 5 of 425 | 20 of 425 |
| Car loans | 3 of 431 | 13 of 431 |
| Business loans | 2 of 435 | 8 of 435 |
What each covers
| Loan types | Andacredito | Creditilia ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | No |
| Guarantor | No | Yes |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Andacredito and 4% to 289% for Creditilia ES.
FINANZCHECK.de reviewWhere these facts come from
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Andacredito | Creditilia ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Estonia | Spain |
| Support channels |
Mortgages
| Fact | Andacredito | 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 | Andacredito | Creditilia ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 4% to 289%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €500 to €50,000above the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | 3 to 96 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
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
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
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.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Creditilia ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
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%.
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