Updated September 28, 2026 · BorrowCue Editorial Team
Arab Islamic Bank vs Creditio
Arab Islamic Bank vs Creditio: the differences
| Compare |  Arab Islamic Bank |  Creditio |
|---|---|---|
| APR | 4.5% to 9% | 3% to 36%Lower |
| Loan amount | $80,000 | €100 to €500,000 |
| Term | 84 months | 2 to 240 monthsHigher |
| Rate type | Fixed | Variable |
| Lender type | Direct lender | Broker |
| Eligibility | Personal ID, 6-month bank statement, proof of occupation (salary slip or municipal council certificate), salary transfer commitment or suitable guarantee; salary deduction must not exceed 50% | 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, Car, Student, Business, Secured | Personal, Debt consolidation, Car, Secured, Student |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Not confirmed | Soft prequal |
| Funding time | Not confirmed | Immediate decision in minutes; funds come from the lender you connect to |
| Representative example | Not confirmed | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% |
| Origination fee (%) | Not confirmed | 0% |
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Key differences
- Arab Islamic Bank scores higher overall: 9.4 vs 8.8.
- Creditio is available in 10 more countries.
- APR is lower at Creditio: 3% to 36% vs 4.5% to 9%.
- Term is higher at Creditio: 2 to 240 months vs 84 months.
- Support channels: only Arab Islamic Bank offers Chat.
- Support channels: only Creditio offers Email.
- Loan types: only Arab Islamic Bank offers Business.
- Loan types: only Creditio offers Debt consolidation.
Our verdict on each
Arab Islamic Bank
Arab Islamic Bank lends directly, and its fixed rate of 4.5% to 9% sits well below the 12.25% typical of the personal loans compared here. It suits salaried applicants in PS who can show documented income and commit a salary transfer, though the $80,000 ceiling will not stretch to very large borrowing.
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 | Arab Islamic Bank | 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 | 9.4HigherFixed-rate lending at 4.5% to 9% for up to $80,000 over 84, underwritten directly by the bank. | 8.4 |
| Trust | 9.3Higher | 8.3 |
Availability and regulation
Additional countries for Arab Islamic Bank: 1. Additional countries for Creditio: 11.
Also worth a look
CreditPlus UA has term at 345 to 365 months, against 84 months for Arab Islamic Bank and 2 to 240 months for Creditio.
CreditPlus UA reviewSources behind this comparison
Arab Islamic Bank
- aib.ps: 12 facts, checked September 26, 2026
Creditio
- creditio.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Arab Islamic Bank | Creditio |
|---|---|---|
| Personal loans | 253 of 1932 | 78 of 1932 |
| Secured loans | 37 of 472 | 13 of 472 |
| Car loans | 46 of 431 | 19 of 431 |
| Private student loans | 14 of 167 | 7 of 167 |
Every fact side by side
| Fact | Arab Islamic Bank | Creditio |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Arab Islamic Bank | WITME ADVERTISING S.L. |
| Headquarters | Palestine | Spain |
| Founded | 1995 | Not confirmed |
| Support channels | Phone, Chat | Email, Phone |
Where each stands against the rest
| Fact | Arab Islamic Bank | Creditio | Median |
|---|---|---|---|
| APR | 4.5% to 9%below the median | 3% to 36%lowest quarter | 8.99 |
| Term | 84 monthsabove the median | 2 to 240 monthshighest quarter | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Arab Islamic Bank
Pros
- Fixed-rate lending at 4.5% to 9%, well under the 12.25% seen across the personal loans compared here.
- A term of 84 runs past the 60 term at the upper end of that comparison, so each instalment stays smaller.
- Direct lending across personal, car and student purposes, with the bank underwriting the application rather than a broker.
Cons
- Support runs on phone and chat only, so there is no other listed route to the bank.
- Only a fixed rate is offered, with no variable option to move to if the fixed period ends.
- Eligibility is strict: proof of occupation, a salary transfer commitment or a suitable guarantee, and a cap on the salary deduction.
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
Arab Islamic Bank
Who it suits
- Salaried applicants in PS who can commit a salary transfer and show proof of occupation.
- Borrowers who price on rate alone, since 4.5% to 9% sits below the 10% to 23% at Monzo Flex.
- Borrowers who want fixed-rate lending across personal, car and student purposes from the same bank, rather than the PHP 12 to PHP 36 shown at Cashspace.
Who should look elsewhere
- Anyone after interest free borrowing, because the rate here is fixed at 4.5% to 9% rather than the 0% shown at Cashspace ES.
- Applicants who cannot show proof of occupation or commit a salary transfer, since eligibility needs either that or a suitable guarantee, and the cap on the salary deduction narrows who clears the bar.
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
Arab Islamic Bank
Current offer
Bonus
Bank in your hand and prizes await: monthly iPhone 17 Pro Max or $100 daily: iPhone 17 Pro Max monthly or 100 USD daily
Every transaction carried out through the Mobile Bank app is an entry chance
Source, checked September 26, 2026
Country by country
| Country | Arab Islamic Bank | Creditio |
|---|---|---|
| Brazil | No | Yes |
| Colombia | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Mexico | No | Yes |
| Palestine | Yes | No |
| Philippines | No | Yes |
| Poland | No | Yes |
8 of 12 countries where either is available.
Questions about each
Arab Islamic Bank
What rate do I pay on a loan from Arab Islamic Bank?+
Arab Islamic Bank lends at 4.5% to 9%, and that rate is fixed, so the figure holds for the life of the loan. Personal loans compared here run around 12.25% at the median, which puts this lender on the cheaper side. Ask for the rate that applies to your own application, since the offer depends on your profile.
How much can I borrow?+
Borrowing runs to $80,000 on the personal loan, well above the €556.48 typical of the personal loans compared here, and it ranks 42 on amount. The bank also covers personal, car and student lending, so other purposes sit in the same place. Repayment can stretch to 84.
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.
Other options to compare
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