Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Credityes ES
Where Andacredito and Credityes ES differ
| Compare |  Andacredito |  Credityes ES |
|---|---|---|
| Term | 2 to 3 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR (free for the customer; the service charges no commission for selecting the loan) |
| Funding time | 10 minutes | Money in a few minutes after a positive decision |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Lender type (Broker), Origination fee (%) (0%).
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
- Credityes ES scores higher overall: 8.8 vs 8.7.
- Term is higher at Credityes ES: 2 to 36 months vs 2 to 3 months.
- Loan types: only Andacredito offers Car, Business, Student.
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.
Credityes ES
Credityes ES suits borrowers in Spain who want a personal or payday loan with no arrangement fee and money in minutes of a decision, with rates of 0% to 36% set by the match. The trade-off is a modest ceiling of €100 to €5,000 and a broker model, so the lender sets the final rate.
Score breakdown
| Area | Andacredito | Credityes ES |
|---|---|---|
| Cost | 9.5 | 9.7HigherArrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. |
| Offer | 8.3 | 8.3 |
| Trust | 8.3 | 8.3 |
How they place
| Ranking | Andacredito | Credityes ES |
|---|---|---|
| Personal loans | 13 of 1932 | 9 of 1932 |
| Payday and short-term loans | 4 of 246 | 1 of 246 |
Side by side, item by item
| Loan types | Andacredito | Credityes ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
Also worth a look
Sofkredit has term at 6 to 240 months, against 2 to 3 months for Andacredito and 2 to 36 months for Credityes ES.
Sofkredit reviewWhat we checked
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Andacredito | Credityes ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | SIA DoAff |
| Headquarters | Estonia | Latvia |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Credityes ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 2 to 36 monthsbelow 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.
Credityes ES
Pros
- The arrangement fee is free for the customer, because no commission is charged for selecting the loan, so nothing is added for putting it together.
- Rates of 0% to 36% start lower than Monzo Flex, which publishes a band of 10% to 23%.
- The representative example shows the total repayable equal to the amount borrowed, so the cheapest match costs nothing to carry.
Cons
- As a broker, Credityes ES leaves the final rate to the partner lender, so the published 0% to 36% is a starting point rather than an offer.
- Borrowing tops out at €100 to €5,000, well below the largest personal loan recorded on the site, €653,159.33.
- Support runs on email only, so a payment problem waits on a written reply instead of a phone line.
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%.
Credityes ES
Who it suits
- Borrowers living in Spain who need a personal or payday loan and want nothing added for the arrangement, provided they hold a bank account in their own name.
- Anyone covering a home improvement, since home improvement is listed among the uses.
- Cost-first readers who look at the total repayable before anything else, because the representative example shows nothing added to the amount borrowed.
Who should look elsewhere
- Not for a major renovation, where the ceiling of €100 to €5,000 falls well short of the largest personal loans on the site, €653,159.33, so a larger lender such as Monzo Flex is the fairer place to look.
- Not for a long repayment, because terms of 2 to 36 end well before the longest personal loans in the ranking, 480, so a longer provider is worth comparing first.
- Not for shoppers who want several rate bands side by side, since Cashspace sets out PHP 12 to PHP 36 while this service publishes a single range of 0% to 36%.
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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Credityes 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.
Credityes ES
Is there an arrangement fee or commission at Credityes ES?+
No. The arrangement fee is free for the customer, because the service charges no commission for selecting the loan, and the origination charge of 0% does not add to what you repay. What you see on an offer is interest set by the partner lender inside the published band of 0% to 36%.
What rate will I actually pay?+
The service publishes rates of 0% to 36% for personal and payday borrowing, and as a broker it sets a band rather than a single figure. The rate on your offer comes from the partner lender you are matched with. The representative example shows the cheapest end of that range, where the total repayable equals the amount borrowed.
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