Updated September 28, 2026 · BorrowCue Editorial Team
BadCreditLoans.com vs Creditio
What sets them apart
| Compare | BadCreditLoans.com ReviewVisitVisit |  Creditio |
|---|---|---|
| APR | 19.9% | 3% to 36%Lower |
| Loan amount | $500 to $10,000 | €100 to €500,000 |
| Term | 3 to 72 months | 2 to 240 monthsHigher |
| Arrangement fee | $0 USD | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | As fast as the next business day | Immediate decision in minutes; funds come from the lender you connect to |
| Representative example | Sample cash loan: $2,000 for 12 months at 19.9% representative APR, $183.63 monthly repayment, $2,203.56 total repayment | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% |
| Lender type | Marketplace | Broker |
| Eligibility | U.S. residents; not available in all states; some network lenders offer loans to borrowers with all types of credit | 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, Business, Student, Car | Personal, Debt consolidation, Car, Secured, Student |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
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Key differences
- Creditio scores higher overall: 8.8 vs 8.4.
- Creditio is available in 10 more countries.
- APR is lower at Creditio: 3% to 36% vs 19.9%.
- Term is higher at Creditio: 2 to 240 months vs 3 to 72 months.
- Features: only BadCreditLoans.com offers Credit line.
- Features: only Creditio offers Same day funding.
- Loan types: only BadCreditLoans.com offers Business.
- Loan types: only Creditio offers Debt consolidation, Secured.
Our verdict on each
BadCreditLoans.com
BadCreditLoans.com is a US matching service aimed at borrowers with poor credit who need a small loan quickly, at 19.9% and an origination fee of $0 USD. It suits applicants a prime lender would turn down, and suits them less well where a cheaper rate matters more than the speed of funding.
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 | BadCreditLoans.com | Creditio |
|---|---|---|
| Cost | 8.5Cost is the weak point: 19.9% on a personal loan, and terms reach 3 to 72. | 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 | 8.6Higher | 8.4 |
| Trust | 8.1 | 8.3Higher |
Where each is licensed and available
Additional countries for BadCreditLoans.com: 1. Additional countries for Creditio: 11.
Side by side, item by item
| Loan types | BadCreditLoans.com | Creditio |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | Yes | Yes |
How they place
| Ranking | BadCreditLoans.com | Creditio |
|---|---|---|
| Personal loans | 135 of 1932 | 78 of 1932 |
| Car loans | 36 of 431 | 19 of 431 |
| Private student loans | 13 of 167 | 7 of 167 |
Every fact side by side
| Fact | BadCreditLoans.com | Creditio |
|---|---|---|
| Features | Credit line | Same day funding |
| Legal entity | Great LLC | WITME ADVERTISING S.L. |
| Headquarters | United States | Spain |
| Support channels | Email, Phone | Email, Phone |
Where each stands against the rest
| Fact | BadCreditLoans.com | Creditio | Median |
|---|---|---|---|
| APR | 19.9%highest quarter | 3% to 36%lowest quarter | 8.99% |
| Term | 3 to 72 monthsabove the median | 2 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BadCreditLoans.com
Pros
- An origination fee of $0 USD, so nothing is taken for setting the loan up.
- Speed: As fast as the next business day.
- Built for the poor credit band (poor), with some lenders in the network lending to any type of credit.
Cons
- A hard credit check sits behind every application (hard), so a rejection can be recorded on the file.
- Support runs on email and phone only, with no live chat or help centre listed.
- The rate of 19.9% is steep next to Monzo Flex, where rates run 10% to 23%.
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
BadCreditLoans.com
Who it suits
- US residents with poor credit who need a small amount quickly and can live with 19.9%.
- Borrowers after a car, student or business loan as well as a personal one, since personal, business and student are all in the mix.
- Anyone who wants a fee-free arrangement, with an origination fee of $0 USD.
Who should look elsewhere
- Monzo Flex, for borrowers whose credit file carries them into a cheaper band, since rates there run 10% to 23%.
- Cashspace ES, for anyone who would rather pay 0% than 19.9%.
- Cashspace, for readers outside the US, since this service is limited to US residents.
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.
Country by country
| Country | BadCreditLoans.com | Creditio |
|---|---|---|
| Brazil | No | Yes |
| Colombia | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Mexico | No | Yes |
| Philippines | No | Yes |
| Poland | No | Yes |
| Portugal | No | Yes |
8 of 12 countries where either is available.
Questions about each
BadCreditLoans.com
What rate do borrowers pay?+
The headline rate is 19.9%, and this is a matching service rather than one lender, so the rate offered depends on which network lender approves. Terms run 3 to 72 and loan sizes run $500 to $10,000.
Is there an origination fee to pay?+
There is no origination fee: $0 USD is charged for setting the loan up or for passing an application to a network lender. A hard credit check (hard) is the cost of looking instead, and a declined application can still be recorded by the lender that ran it.
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.
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