Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Crezu ES
Where Andacredito and Crezu ES differ
| Compare |  Andacredito |  Crezu ES |
|---|---|---|
| Term | 2 to 3 months | 91 to 120 monthsHigher |
| Funding time | 10 minutes | money in 15 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 18+, internet access, ID document and bank account, Spain |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday, Debt consolidation, Car |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Arrangement fee (0 EUR), Lender type (Broker), 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
- Crezu ES scores higher overall: 9.0 vs 8.7.
- Term is higher at Crezu ES: 91 to 120 months vs 2 to 3 months.
- Loan types: only Andacredito offers 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.
Crezu ES
Crezu ES suits Spanish borrowers with a poor credit history who need a small sum the same day. APR runs 0% to 36%, the origination fee is 0 EUR and advertised funding is money in 15 minutes, so the rate you are given rests on the partner lender who responds.
Score breakdown
| Area | Andacredito | Crezu ES |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.3 | 8.8HigherBroker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. |
| Trust | 8.3 | 8.3 |
Choosing between them
Pick Andacredito if loan types matter most.
Pick Crezu ES if cost, offer, and term matter most.
Also worth a look
Sofkredit has term at 6 to 240 months, against 2 to 3 months for Andacredito and 91 to 120 months for Crezu ES.
Sofkredit reviewHow they place
| Ranking | Andacredito | Crezu ES |
|---|---|---|
| Personal loans | 13 of 1932 | 47 of 1932 |
| Payday and short-term loans | 4 of 246 | 23 of 246 |
| Loans for bad credit | 9 of 275 | 29 of 275 |
| Debt consolidation loans | 5 of 425 | 17 of 425 |
| Car loans | 3 of 431 | 11 of 431 |
Every fact side by side
| Fact | Andacredito | Crezu ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Crezu 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 | 91 to 120 monthshighest quarter | 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.
Crezu ES
Pros
- APR runs 0% to 36%, so the headline cost sits at the low end of what lenders charge
- The origination fee is 0 EUR, and the representative example shows costs of nothing and a total repayable equal to the amount borrowed
- Funding is advertised at money in 15 minutes, which suits an urgent bill
Cons
- Crezu ES lists its lender kind as a broker (broker), so the rate you are offered depends on which partner responds
- APR can reach 0% to 36% at the top of the range, well above the 12% typical across the site
- Support runs on email only, with no phone or chat route listed
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%.
Crezu ES
Who it suits
- Adults in Spain with a poor credit history who need a small sum quickly
- Borrowers who want to see an offer through a soft prequalification rather than a full credit search
- Anyone comfortable letting a broker pass their details to partner lenders
Who should look elsewhere
- Monzo Flex readers, whose APR is 10% to 23% and who want a longer term for a larger sum
- Cashspace readers, whose APR is PHP 12 to PHP 36
- Borrowers who need phone or chat support, since Crezu ES lists email
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
Crezu ES
Current offer
Bonus
Primer prestamo sin coste (0% APR) para nuevos usuarios: 0% APR, costs 0 EUR
New users only; applies to partner lender offers
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Crezu 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.
Crezu ES
What APR does Crezu ES charge?+
Crezu ES publishes APR of 0% to 36%, from the lowest pricing to the highest. Because the brand is a broker, the rate depends on which partner lender responds and on your credit profile, so the lower end of the range is a starting point rather than the expected outcome. The median APR across the site is 12%.
Is there an arrangement or origination fee?+
The origination fee is 0 EUR, so there is no separate charge for setting the loan up. The representative example shows costs of nothing on a small short term borrowing, with a total repayable equal to the amount borrowed. Interest is the only element in that example.
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