Updated September 29, 2026 · BorrowCue Editorial Team
Banco General vs Creduma ES
Where Banco General and Creduma ES differ
| Compare |  Banco General |  Creduma ES |
|---|---|---|
| Loan amount | $2,000 to $65,000 | from €12,000 |
| Credit check | Hard | Soft prequal |
| Funding time | Fast approval and disbursement | Offer in under 24 hours; money in the account in 7 days after signing |
| Lender type | Direct lender | Broker |
| Eligibility | Age 21 and over, employed in Panama, minimum salary to apply US$225-600 depending on sector, good APC credit references and 2 years job continuity | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Loan types | Personal, Debt consolidation | Secured, Debt consolidation |
| Credit needed | Good | Poor |
| Arrangement fee | Not confirmed | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Banco General scores higher overall: 9.4 vs 8.7.
- Loan types: only Banco General offers Personal.
- Loan types: only Creduma ES offers Secured.
Our verdict on each
Banco General
Banco General suits Panamanian borrowers with steady employment who want a personal or consolidation loan and quick disbursement from a bank founded in 1955. Free early repayment and phone, chat and help centre help, but hard and good credit references narrow who gets accepted.
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
Score breakdown
| Area | Banco General | Creduma ES |
|---|---|---|
| Cost | 9.2 | Not confirmed |
| Offer | 9.3HigherDirect lender for personal and debt consolidation loans of $2,000 to $65,000, plus Fast approval and disbursement. | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity |
| Trust | 9.5Higher | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES |
Feature by feature
| Loan types | Banco General | Creduma ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
Where they rank in our lists
| Ranking | Banco General | Creduma ES |
|---|---|---|
| Debt consolidation loans | 58 of 425 | 13 of 425 |
| Mortgages | 39 of 719 | 3 of 719 |
| Remortgage deals | 23 of 351 | 3 of 351 |
| Home equity loans and HELOCs | 10 of 110 | 2 of 110 |
Licences and countries
| Country | Banco General | Creduma ES |
|---|---|---|
| Panama | Not confirmed |
Additional countries for Banco General: 1. Additional countries for Creduma ES: 1.
What we checked
Banco General
- bgeneral.com: 12 facts, checked September 26, 2026
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | Banco General | Creduma ES |
|---|---|---|
| Legal entity | Banco General, S.A. | Not confirmed |
| Headquarters | Panama | Not confirmed |
| Founded | 1955 | Not confirmed |
| Support channels | Phone, Chat, Help centre | Not confirmed |
Mortgages
| Fact | Banco General | Creduma ES |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, First time buyer, Remortgage, Home equityCovers more | Remortgage, Home equity |
Pros and cons
Banco General
Pros
- Loans of $2,000 to $65,000 cover both personal and debt consolidation needs
- Free early repayment lets you settle the balance early without extra charge
- Fast approval and disbursement keeps the money moving
Cons
- hard search means an application can affect your credit file
- Eligibility asks for a minimum salary, good credit references and job continuity
- $2,000 to $65,000 tops out below what some mortgage and equity borrowers need
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
Who each suits
Banco General
Who it suits
- Employed adults in Panama with a salary above the stated minimum
- Borrowers consolidating several debts into one repayment
- Anyone who plans to settle the loan sooner than the full term
Who should look elsewhere
- Monzo Flex, if you are not paid in Panama
- Cashspace, if you need a different market and currency
- Anyone building credit with a thin or inconsistent file
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
Current offers
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Banco General | Creduma ES |
|---|---|---|
| Panama | Yes | No |
| Spain | No | Yes |
Questions about each
Banco General
How much can I borrow from Banco General?+
Personal loans run to $2,000 to $65,000, and the same line covers personal borrowing and debt consolidation. Larger borrowing needs are served by the mortgage products rather than the personal loan. Comparing PHP 500 to PHP 25,000 and £10,000 to £35,000 helps set the size against other lenders.
Does Banco General check my credit?+
Yes. The lender records a hard credit search, and the stated rule is good credit history. Applicants also need a minimum salary depending on sector and a period of job continuity, so a thin file can be turned down at the first step.
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
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