Updated September 28, 2026 · BorrowCue Editorial Team
CHECK24 vs Creditilia ES
CHECK24 vs Creditilia ES: the differences
| Compare |  CHECK24 |  Creditilia ES |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 4% to 289% |
| Loan amount | €500 to €150,000Higher | €500 to €50,000 |
| Term | 12 to 240 monthsHigher | 3 to 96 months |
| Arrangement fee | 0 EUR | EUR 0 - no opening, study or early repayment fee |
| Credit check | Soft prequal | Hard |
| Funding time | as little as 3 minutes at some banks, same day | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Representative example | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) | 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 | Broker | Marketplace |
| Loan types | Personal, Debt consolidation | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| 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 |
Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- CHECK24 scores higher overall: 9.1 vs 8.7.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 4% to 289%.
- Loan amount is higher at CHECK24: €500 to €150,000 vs €500 to €50,000.
- Term is higher at CHECK24: 12 to 240 months vs 3 to 96 months.
- Support channels: only CHECK24 offers Phone, Chat, Help centre.
- Loan types: only Creditilia ES offers Payday, Business, Guarantor.
Our verdict on each
CHECK24
CHECK24 suits German borrowers who would rather a broker shop fixed-rate loans for them. Personal loans and debt consolidation run 0.68% to 19.92%, with an origination fee of 0 EUR and terms of 12 to 240, while the home finance listings show an initial rate of 3.43%.
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 | CHECK24 | Creditilia ES |
|---|---|---|
| Cost | 9.5Higher | 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 | 9.3HigherPersonal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. | 8.5 |
| Trust | 8.7Higher | 8.1 |
If neither fits
Prestamiau ES has apr at 0% to 36%, against 0.68% to 19.92% for CHECK24 and 4% to 289% for Creditilia ES.
Prestamiau ES reviewHow they place
| Ranking | CHECK24 | Creditilia ES |
|---|---|---|
| Personal loans | 92 of 1932 | 51 of 1932 |
| Debt consolidation loans | 35 of 425 | 20 of 425 |
| Mortgages | 11 of 719 | 4 of 719 |
| Remortgage deals | 10 of 351 | 4 of 351 |
| Home improvement loans | 41 of 562 | 23 of 562 |
Every fact side by side
| Fact | CHECK24 | Creditilia ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | CHECK24 Vergleichsportal Finanzen GmbH | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Germany | Spain |
| Founded | 1999 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | CHECK24 | Creditilia ES |
|---|---|---|
| Initial rate | 3.43%Lower | 4% |
| APRC | 3.5%Lower | 4.12% |
| Fixed period | 10 yearsHigher | 5 years |
| Maximum loan to value | 66% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | CHECK24 | Creditilia ES | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 4% to 289%lowest quarter | 8.99 |
| Loan amount | €500 to €150,000highest quarter | €500 to €50,000above the median | €40,000 |
| Term | 12 to 240 monthshighest quarter | 3 to 96 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
CHECK24
Pros
- Origination fee of 0 EUR on personal loans, so an indicative quote does not cost you anything.
- Amounts run €500 to €150,000 with terms of 12 to 240, so a small bill and a larger project can both be spread.
- A soft prequalification check, soft prequal, shows indicative rates before any full credit check.
Cons
- The credit check listed is a soft prequalification, soft prequal, so a full check can still follow and the bank sets the final rate.
- Loan types stop at personal and debt consolidation and the maximum loan to value is 66%, so borrowers with little equity have less room on the home finance side.
- As a broker, broker, the offer comes from a partner bank, so the rate you end up with is that bank's rather than the site's.
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
CHECK24
Who it suits
- German borrowers who would rather a broker compare personal loans and debt consolidation loans than apply bank by bank.
- Anyone planning a purchase or remortgage, since the home finance listings show an initial rate of 3.43% and a fixed period of 10.
- Home improvement borrowers, since home improvement is the listed use case, home improvement.
Who should look elsewhere
- Monzo Flex, if you want one provider from first quote to final, since its rates run 10% to 23% with no broker in the middle.
- Cashspace, whose listed rates are PHP 12 to PHP 36 and sit in a different market from German fixed-rate loans.
- Cashspace ES, which shows a rate of 0% rather than the German range of 0.68% to 19.92%.
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.
Current offers
CHECK24
Current offer
Bonus
Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback
on successful conclusion of a loan with selected banks by 01.10.; cashback depends on Smily level and loan amount
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Creditilia ES |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | Yes |
Questions about each
CHECK24
What does it cost to take a loan through CHECK24?+
On personal loans the origination fee is 0 EUR, and the rates quoted by partner banks run 0.68% to 19.92%, a wide spread because each bank prices risk differently. Instalment loans sit on a fixed rate, fixed, so the monthly figure holds for the term. Read the representative example before you sign.
Will applying damage my credit file?+
The credit check listed is a soft prequalification, soft prequal, which shows indicative rates before you commit to anything. A full check can still be required by the bank that makes the final offer, so treat the first figures as a guide rather than a deal.
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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