Updated September 28, 2026 · BorrowCue Editorial Team
BBVA vs Creditilia ES
What sets them apart
| Compare | BBVA ReviewVisitVisit |  Creditilia ES |
|---|---|---|
| APR | 8.08% to 9.16% | 4% to 289%Lower |
| Loan amount | €3,000 to €75,000Higher | €500 to €50,000 |
| Term | 24 to 96 months | 3 to 96 months |
| Arrangement fee | 0 EUR | EUR 0 - no opening, study or early repayment fee |
| Funding time | Money credited to your BBVA account after signing, in 3 steps | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Representative example | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 | 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 |
| Lender type | Direct lender | Marketplace |
| Free early repayment | No | YesHas it |
| Eligibility | Must be a BBVA customer with an account; the 1% rate discount requires payroll (min net EUR 600/month) or pension (min EUR 300/month) domiciled at BBVA | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Loan types | Personal | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), Rate type (Fixed), Origination fee (%) (0%), Use cases (Home improvement).
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Key differences
- BBVA scores higher overall: 9.4 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 8.08% to 9.16%.
- Free early repayment: only Creditilia ES.
- Loan amount is higher at BBVA: €3,000 to €75,000 vs €500 to €50,000.
- Loan types: only Creditilia ES offers Payday, Debt consolidation, Business.
Our verdict on each
BBVA
BBVA suits existing customers in Spain who want a fixed-rate personal loan with fees of 0 EUR and the money landing in their BBVA account. The cost picture is the draw: APR of 8.08% to 9.16% sits below the site median, 12%, though the account requirement narrows who can apply.
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 | BBVA | Creditilia ES |
|---|---|---|
| Cost | 8.9APR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. | 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 | 9.6Higher | 8.5 |
| Trust | 9.6Higher | 8.1 |
Side by side, item by item
| Loan types | BBVA | Creditilia ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Guarantor | No | Yes |
| Use cases | BBVA | Creditilia ES |
|---|---|---|
| Home improvement | Yes | Yes |
Pick BBVA if, pick Creditilia ES if
Pick BBVA if offer and loan amount matter most.
Pick Creditilia ES if cost, apr, free early repayment, and loan types matter most.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
BBVA
1,294.38 to 1,474.73
1,294.38 to 1,474.73
Creditilia ES
628.63 to 76,736.69
628.63 to 76,736.69
Creditilia ES comes out 665.75 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 8.08% to 9.16% for BBVA and 4% to 289% for Creditilia ES.
Prestamiau ES reviewSources behind this comparison
BBVA
- bbva.es: 15 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- es.wikipedia.org: 1 fact, checked September 26, 2026
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
How they place
| Ranking | BBVA | Creditilia ES |
|---|---|---|
| Personal loans | 81 of 1932 | 51 of 1932 |
| Mortgages | 9 of 719 | 4 of 719 |
| Home improvement loans | 34 of 562 | 23 of 562 |
Every fact side by side
| Fact | BBVA | Creditilia ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Spain | Spain |
| Founded | 1857 | Not confirmed |
| Support channels | Not confirmed |
Mortgages
| Fact | BBVA | Creditilia ES |
|---|---|---|
| Initial rate | Not confirmed | 4% |
| APRC | Not confirmed | 4.12% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | BBVA | Creditilia ES | Median |
|---|---|---|---|
| APR | 8.08% to 9.16%below the median | 4% to 289%lowest quarter | 8.99 |
| Loan amount | €3,000 to €75,000above the median | €500 to €50,000above the median | €40,000 |
| Term | 24 to 96 monthsabove the median | 3 to 96 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BBVA
Pros
- APR of 8.08% to 9.16% sits below the site median, 12%.
- Fees of 0 EUR on a personal loan, so the quoted rate is not padded by an opening charge.
- Money is credited to the BBVA account after signing, so settlement needs no new payee setup.
Cons
- Free early repayment is no, so clearing the balance sooner carries a cost.
- Eligibility starts with holding a BBVA account, and the rate discount asks for a payroll or pension domiciled at BBVA.
- The credit check is hard, so a decline can leave a mark on the credit file.
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
BBVA
Who it suits
- Existing BBVA account holders in Spain with a domiciled payroll or pension who want a rate they can plan around.
- Borrowers funding a home improvement project who can spread the cost, since terms run 24 to 96.
- Readers who prefer the lender to hold the contract rather than a broker, since BBVA is a direct lender.
Who should look elsewhere
- Cashspace, priced at an APR of PHP 12 to PHP 36, if you want a different rate band than BBVA's 8.08% to 9.16%.
- Monzo Flex, at 10% to 23%, for readers comparing a UK lender rather than a Spanish bank.
- Cashspace ES, whose listed APR of 0% reads lower than BBVA's 8.08% to 9.16%.
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 | BBVA | Creditilia ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
BBVA
What rate does BBVA charge on a personal loan?+
The personal loan carries an APR of 8.08% to 9.16%, fixed for the whole term. The published example pairs that rate with fees of 0 EUR, so the quoted figure is not padded by an opening charge. Terms run 24 to 96, which shapes the monthly instalment.
Is BBVA regulated?+
BBVA appears in the Spanish register under the Comision Nacional del Mercado de Valores (CNMV), listed as licence MiCA CASP K8MS7FD7N5Z2WQ51AZ71. The legal entity behind the brand is Banco Bilbao Vizcaya Argentaria S.A., and the bank is a direct lender, so the contract is with the bank itself.
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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