Updated September 28, 2026 · BorrowCue Editorial Team
Cathay United Bank vs Creditilia ES
Cathay United Bank vs Creditilia ES: the differences
| Compare |  Cathay United Bank |  Creditilia ES |
|---|---|---|
| APR | 1.88%Lower | 4% to 289% |
| Loan amount | NT$5,000,000 | €500 to €50,000 |
| Term | 84 months | 3 to 96 monthsHigher |
| Arrangement fee | Account management fee NT$9,000 for new personal loan cases | EUR 0 - no opening, study or early repayment fee |
| Lender type | Direct lender | Marketplace |
| Loan types | Personal, Secured, Credit line | Personal, Payday, Debt consolidation, Business, Guarantor, Car |
| Funding time | Not confirmed | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| 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 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Cathay United Bank scores higher overall: 9.6 vs 8.7.
- APR is lower at Cathay United Bank: 1.88% vs 4% to 289%.
- Term is higher at Creditilia ES: 3 to 96 months vs 84 months.
- Support channels: only Cathay United Bank offers Chat, Phone, Help centre.
- Features: only Cathay United Bank offers Credit line.
- Features: only Creditilia ES offers Same day funding.
- Loan types: only Cathay United Bank offers Secured, Credit line.
- Loan types: only Creditilia ES offers Payday, Debt consolidation, Business.
Our verdict on each
Cathay United Bank
Cathay United Bank suits borrowers in Taiwan who want a large personal or secured loan from the lender itself, and it prices well against the field at an APR of 1.88%. The catch is the account management fee that comes with a new personal loan case.
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 | Cathay United Bank | Creditilia ES |
|---|---|---|
| Cost | 9.7HigherDirect lending at an APR of 1.88%, up to TWD 5,000,000, plus an account management fee on new personal loan cases. | 9.4Fees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. |
| Offer | 9.8Higher | 8.5 |
| Trust | 9.4Higher | 8.1 |
Where they rank in our lists
| Ranking | Cathay United Bank | Creditilia ES |
|---|---|---|
| Personal loans | 236 of 1932 | 51 of 1932 |
| Mortgages | 28 of 719 | 4 of 719 |
| Remortgage deals | 15 of 351 | 4 of 351 |
Feature by feature
| Loan types | Cathay United Bank | Creditilia ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Secured | Yes | No |
| Car | No | Yes |
| Business | No | Yes |
| Guarantor | No | Yes |
What we checked
Cathay United Bank
- cathaybk.com.tw: 12 facts, checked September 26, 2026
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Cathay United Bank | Creditilia ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Cathay United Bank Co., Ltd. | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Taiwan | Spain |
| Founded | 1975 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Cathay United 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 | Purchase, Remortgage |
Where each stands against the rest
| Fact | Cathay United Bank | Creditilia ES | Median |
|---|---|---|---|
| APR | 1.88%lowest quarter | 4% to 289%lowest quarter | 8.99% |
| Term | 84 monthsabove the median | 3 to 96 monthsabove the median | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Cathay United Bank
Pros
- Ranks 40 of 350 brands on APR, at 1.88%.
- Borrows up to TWD 5,000,000 for a purchase or a remortgage across a term of 84.
- Covers personal, secured and credit line lending under direct lender, so you deal with the bank rather than a broker.
Cons
- Every case runs a hard credit check, listed as hard.
- New personal loan cases carry an account management fee alongside a rate of 1.88%.
- A term of 84 runs well past the site median, which sits at 36.
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
Cathay United Bank
Who it suits
- Borrowers in Taiwan who want personal, secured or credit line lending from the lender itself rather than a broker.
- People buying or remortgaging a property, since purchase and remortgage cover both uses.
- Applicants ready for a hard credit check, given hard.
Who should look elsewhere
- Anyone who wants to draw a credit line in stages, since Monzo Flex prices its line at 10% to 23%.
- Borrowers after an app-first application, since Cashspace quotes a range of PHP 12 to PHP 36 on a single market.
- Anyone whose own market rate sits low, since Cashspace ES is listed at 0%.
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 | Cathay United Bank | Creditilia ES |
|---|---|---|
| Spain | No | Yes |
| Taiwan | Yes | No |
Questions about each
Cathay United Bank
What rate does Cathay United Bank charge on a personal loan?+
The bank quotes an APR of 1.88% on its personal loan product, well below where most of the lenders on the site sit. The site median runs at 12%, so the gap is wide. Loans reach TWD 5,000,000 over a term of 84.
What fees come with a new personal loan?+
New personal loan cases pay an account management fee, alongside a rate of 1.88% on the product page. The published charge is written for new cases, so anyone already banking with the bank should check the current terms. Budget for the fee as well as the interest when you compare.
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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