Updated September 29, 2026 · BorrowCue Editorial Team
BBVA vs Creduma ES
What sets them apart
| Compare | BBVA ReviewVisitVisit |  Creduma ES |
|---|---|---|
| Loan amount | €3,000 to €75,000 | from €12,000 |
| Arrangement fee | 0 EUR | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Credit check | Hard | Soft prequal |
| Funding time | Money credited to your BBVA account after signing, in 3 steps | Offer in under 24 hours; money in the account in 7 days after signing |
| Lender type | Direct lender | Broker |
| 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 | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Loan types | Personal | Secured, Debt consolidation |
| APR | 8.08% to 9.16% | Not confirmed |
| Term | 24 to 96 months | Not confirmed |
| Representative example | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- BBVA scores higher overall: 9.4 vs 8.7.
- Loan types: only BBVA offers Personal.
- Loan types: only Creduma ES offers Secured, Debt consolidation.
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.
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 | BBVA | Creduma ES |
|---|---|---|
| Cost | 8.9APR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. | Not confirmed |
| Offer | 9.6Higher | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity |
| Trust | 9.6Higher | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES |
Licences and countries
| Country | BBVA | Creduma ES |
|---|---|---|
| Spain | Comision Nacional del Mercado de Valores (CNMV) MiCA CASP K8MS7FD7N5Z2WQ51AZ71 | Not confirmed |
Available in 1 country for both.
Side by side, item by item
| Loan types | BBVA | Creduma ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
Ranges side by side
| Fact | BBVA | Creduma ES |
|---|---|---|
| Loan amount | €3,000 to €75,000 | from €12,000 |
Positions in our rankings
| Ranking | BBVA | Creduma ES |
|---|---|---|
| Mortgages | 9 of 719 | 3 of 719 |
Every fact side by side
| Fact | BBVA | Creduma ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Founded | 1857 | Not confirmed |
Mortgages
| Fact | BBVA | Creduma ES |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Remortgage, Home equity |
Where each stands against the rest
| Fact | BBVA | Creduma ES | Median |
|---|---|---|---|
| APR | 8.08% to 9.16%below the median | Not confirmed | 8.99 |
| Loan amount | €3,000 to €75,000above the median | from €12,000below the median | €40,000 |
| Term | 24 to 96 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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.
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
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%.
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 | BBVA | Creduma 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.
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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