Updated September 29, 2026 · BorrowCue Editorial Team
CHECK24 vs Creduma ES
Where CHECK24 and Creduma ES differ
| Compare |  CHECK24 |  Creduma ES |
|---|---|---|
| Loan amount | €500 to €150,000 | 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 |
| Funding time | as little as 3 minutes at some banks, same day | Offer in under 24 hours; money in the account in 7 days after signing |
| Loan types | Personal, Debt consolidation | Secured, Debt consolidation |
| APR | 0.68% to 19.92% | Not confirmed |
| Term | 12 to 240 months | Not confirmed |
| 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) | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Soft prequal), Lender type (Broker).
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Key differences
- CHECK24 scores higher overall: 9.1 vs 8.7.
- CHECK24 is available in 2 more countries.
- Loan types: only CHECK24 offers Personal.
- Loan types: only Creduma ES offers Secured.
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%.
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 | CHECK24 | Creduma ES |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| 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. | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity |
| Trust | 8.7Higher | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES |
Feature by feature
| Loan types | CHECK24 | Creduma ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
Ranges side by side
| Fact | CHECK24 | Creduma ES |
|---|---|---|
| Loan amount | €500 to €150,000 | from €12,000 |
How they place
| Ranking | CHECK24 | Creduma ES |
|---|---|---|
| Debt consolidation loans | 35 of 425 | 13 of 425 |
| Mortgages | 11 of 719 | 3 of 719 |
| Remortgage deals | 10 of 351 | 3 of 351 |
Where each is licensed and available
| Country | CHECK24 | Creduma ES |
|---|---|---|
| Germany | IHK fuer Muenchen und Oberbayern D-W-155-8YX4-05 | Not confirmed |
Available in 1 country for both. Additional countries for CHECK24: 2.
Sources behind this comparison
CHECK24
- kredit.check24.de: 12 facts, checked September 26, 2026
- check24.de: 6 facts, checked September 26, 2026
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | Creduma ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal Finanzen GmbH | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1999 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Not confirmed |
Mortgages
| Fact | CHECK24 | Creduma ES |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Remortgage, Home equity |
Where each stands against the rest
| Fact | CHECK24 | Creduma ES | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €500 to €150,000highest quarter | from €12,000below the median | €40,000 |
| Term | 12 to 240 monthshighest quarter | Not confirmed | 60 |
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.
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
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%.
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
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
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 | CHECK24 | Creduma 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.
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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