Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Creditio
Andacredito vs Creditio: the differences
| Compare |  Andacredito |  Creditio |
|---|---|---|
| APR | 0% to 36%Lower | 3% to 36% |
| Loan amount | €100 to €5,000 | €100 to €500,000Higher |
| Term | 2 to 3 months | 2 to 240 monthsHigher |
| Funding time | 10 minutes | Immediate decision in minutes; funds come from the lender you connect to |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 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) |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Debt consolidation, Car, Secured, Student |
| Credit check | Not confirmed | Soft prequal |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Arrangement fee (0 EUR), Rate type (Variable), Lender type (Broker), Origination fee (%) (0%).
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Key differences
- Creditio scores higher overall: 8.8 vs 8.7.
- Creditio is available in 10 more countries.
- APR is lower at Andacredito: 0% to 36% vs 3% to 36%.
- Loan amount is higher at Creditio: €100 to €500,000 vs €100 to €5,000.
- Term is higher at Creditio: 2 to 240 months vs 2 to 3 months.
- Support channels: only Creditio offers Phone.
- Loan types: only Andacredito offers Payday, Business.
- Loan types: only Creditio offers Secured.
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.
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 | Andacredito | Creditio |
|---|---|---|
| Cost | 9.5 | 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 | 8.3 | 8.4Higher |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Andacredito | Creditio |
|---|---|---|
| APR | 0% to 36% | 3% to 36% |
| Loan amount | €100 to €5,000 | €100 to €500,000 |
| Term | 2 to 3 months | 2 to 240 months |
How they place
| Ranking | Andacredito | Creditio |
|---|---|---|
| Personal loans | 13 of 1932 | 78 of 1932 |
| Debt consolidation loans | 5 of 425 | 28 of 425 |
| Car loans | 3 of 431 | 19 of 431 |
| Private student loans | 2 of 167 | 7 of 167 |
Every fact side by side
| Fact | Andacredito | Creditio |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | WITME ADVERTISING S.L. |
| Headquarters | Estonia | Spain |
| Support channels | Email, PhoneCovers more |
Where each stands against the rest
| Fact | Andacredito | Creditio | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 3% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €100 to €500,000highest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 2 to 240 monthshighest quarter | 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.
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
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%.
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.
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 | 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
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.
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.
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