Updated September 29, 2026 · BorrowCue Editorial Team
Cathay United Bank vs Creduma ES
What sets them apart
| Compare |  Cathay United Bank |  Creduma ES |
|---|---|---|
| Loan amount | NT$5,000,000 | from €12,000 |
| Arrangement fee | Account management fee NT$9,000 for new personal loan cases | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Credit check | Hard | Soft prequal |
| Lender type | Direct lender | Broker |
| Loan types | Personal, Secured, Credit line | Secured, Debt consolidation |
| APR | 1.88% | Not confirmed |
| Term | 84 months | Not confirmed |
| Funding time | Not confirmed | Offer in under 24 hours; money in the account in 7 days after signing |
| Eligibility | Not confirmed | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Credit needed | Not confirmed | Poor |
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Key differences
- Cathay United Bank scores higher overall: 9.6 vs 8.7.
- Loan types: only Cathay United Bank offers Personal, Credit line.
- Loan types: only Creduma ES offers Debt consolidation.
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.
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 | Cathay United Bank | Creduma ES |
|---|---|---|
| Cost | 9.7Direct lending at an APR of 1.88%, up to TWD 5,000,000, plus an account management fee on new personal loan cases. | Not confirmed |
| Offer | 9.8Higher | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity |
| Trust | 9.4Higher | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES |
Licences and countries
Additional countries for Cathay United Bank: 1. Additional countries for Creduma ES: 1.
What each covers
| Loan types | Cathay United Bank | Creduma ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
How they place
| Ranking | Cathay United Bank | Creduma ES |
|---|---|---|
| Secured loans | 26 of 472 | 6 of 472 |
| Mortgages | 28 of 719 | 3 of 719 |
| Remortgage deals | 15 of 351 | 3 of 351 |
Every fact side by side
| Fact | Cathay United Bank | Creduma ES |
|---|---|---|
| Features | Credit line | Not confirmed |
| Legal entity | Cathay United Bank Co., Ltd. | Not confirmed |
| Headquarters | Taiwan | Not confirmed |
| Founded | 1975 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Mortgages
| Fact | Cathay United Bank | Creduma ES |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Remortgage, Home equity |
Where each stands against the rest
| Fact | Cathay United Bank | Creduma ES | Median |
|---|---|---|---|
| APR | 1.88%lowest quarter | Not confirmed | 8.99% |
| Term | 84 monthsabove the median | Not confirmed | 60 months |
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.
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
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%.
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 | Cathay United Bank | Creduma 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.
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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