Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs Creditilia ES
Where AU Small Finance Bank and Creditilia ES differ
| Compare |  AU Small Finance Bank |  Creditilia ES |
|---|---|---|
| APR | up to 30% | 4% to 289% |
| Loan amount | ₹25,000 to ₹1,500,000 | €500 to €50,000 |
| Term | 12 to 60 months | 3 to 96 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | EUR 0 - no opening, study or early repayment fee |
| Funding time | Within 24 hours | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Lender type | Direct lender | Marketplace |
| Free early repayment | No | YesHas it |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Origination fee (%) | up to 4% | 0% |
| Loan types | Personal, Debt consolidation | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| Credit needed | Good | Poor |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed).
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Key differences
- AU Small Finance Bank scores higher overall: 8.9 vs 8.7.
- Free early repayment: only Creditilia ES.
- Term is higher at Creditilia ES: 3 to 96 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Phone, Chat, Help centre.
- Loan types: only Creditilia ES offers Payday, Business, Guarantor.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank is a direct lender in India, so a personal loan comes straight from the bank with a fixed rate and no broker in between. It suits borrowers with a good credit record who want personal or debt consolidation money of INR 25,000 to INR 1,500,000 and a payout Within 24 hours.
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
Score breakdown
| Area | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Cost | 8.2 | 9.4HigherFees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. |
| Offer | 9.2HigherDirect lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 8.5 |
| Trust | 9.3Higher | 8.1 |
How they place
| Ranking | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Personal loans | 111 of 1943 | 51 of 1943 |
| Debt consolidation loans | 46 of 425 | 20 of 425 |
| Mortgages | 15 of 719 | 4 of 719 |
| Remortgage deals | 14 of 351 | 4 of 351 |
If neither fits
Sofkredit has term at 6 to 240 months, against 12 to 60 months for AU Small Finance Bank and 3 to 96 months for Creditilia ES.
Sofkredit reviewWhere these facts come from
AU Small Finance Bank
- au.bank.in: 18 facts, checked September 26, 2026
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | AU Small Finance Bank Limited | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | India | Spain |
| Founded | 1996 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Initial rate | Not confirmed | 4% |
| APRC | Not confirmed | 4.12% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | AU Small Finance Bank | Creditilia ES | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 4% to 289%lowest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 3 to 96 monthsabove the median | 60 |
| Origination fee (%) | up to 4%highest quarter | 0%below the median | 0.25 |
Median across 1005 listed lenders.
Pros and cons
AU Small Finance Bank
Pros
- Personal and debt consolidation borrowing are both offered, listed under personal and debt consolidation.
- A payout of Within 24 hours suits anyone covering a bill or a deadline rather than waiting.
- Support runs on phone, email and chat once the loan is set up.
Cons
- Free early repayment is not offered, so clearing the balance early can cost money.
- An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 makes a small loan heavier to carry than a large one.
- Applicants need a good credit record, which rules out weaker credit files.
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
Who each suits
AU Small Finance Bank
Who it suits
- Borrowers with a good credit record in India who want a personal loan or debt consolidation.
- People who want money in hand quickly, with Within 24 hours funding on a fixed rate.
- Shoppers weighing this personal loan against the bank's home lending, which covers purchase, remortgage and home equity.
Who should look elsewhere
- Borrowers chasing the lowest rate on the page, since Cashspace ES lists an APR of 0%.
- Anyone who wants a lower rate ceiling to aim for, as Monzo Flex runs 10% to 23%.
- Borrowers who want to compare a wider rate band, as Cashspace runs PHP 12 to PHP 36.
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
Country by country
| Country | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| India | Yes | No |
| Spain | No | Yes |
Questions about each
AU Small Finance Bank
What rate will I pay on a AU Small Finance Bank personal loan?+
The listed APR is up to 30%, which is a ceiling rather than a rate everyone is offered. Borrowing sits on a fixed rate, so the cost does not shift mid term. The site median for personal loans is 12%, so read your own quote rather than assuming where you land.
What fees are added to the loan?+
An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 applies to the approved amount. Ask what the fee works out to in cash on your borrowing, not only as a percentage, because the minimum charge takes a larger share of a small loan than of a large one.
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
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