Updated September 29, 2026 · BorrowCue Editorial Team
Andacredito vs Credityes
Where Andacredito and Credityes differ
| Compare |  Andacredito |  Credityes |
|---|---|---|
| APR | 0% to 36% | 0% to 48% |
| Loan amount | €100 to €5,000 | ₱1,000 to ₱25,000 |
| Term | 2 to 3 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 EUR | 0 PHP |
| Funding time | 10 minutes | A few minutes after confirmation |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
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 scores higher overall: 8.9 vs 8.7.
- Term is higher at Credityes: 2 to 36 months vs 2 to 3 months.
- Support channels: only Credityes offers Help centre.
- Loan types: only Andacredito offers Payday, Car, Business.
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
Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.
Score breakdown
| Area | Andacredito | Credityes |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.3 | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. |
| Trust | 8.3 | 8.3 |
Availability and regulation
Additional countries for Andacredito: 1. Additional countries for Credityes: 1.
What we checked
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
How they place
| Ranking | Andacredito | Credityes |
|---|---|---|
| Personal loans | 13 of 1932 | 8 of 1932 |
Every fact side by side
| Fact | Andacredito | Credityes |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | SIA DOAFF (reg. No. 40203426084) |
| Headquarters | Estonia | Latvia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Credityes | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 48%lowest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 2 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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
Pros
- The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
- Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
- Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
Cons
- The APR reaches 0% to 48%, well above the site median of 12% for personal loans
- Debt consolidation and credit lines are not among its loan types, which are personal
- A phone line is not among its support channels, which run email and help centre
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
Who it suits
- Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
- Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
- People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee
Who should look elsewhere
- Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
- Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
- Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%
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
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Credityes |
|---|---|---|
| Philippines | No | Yes |
| Spain | Yes | No |
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
What does a Credityes personal loan cost in total?+
Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.
Is Credityes a lender or a broker?+
Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.
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