Updated September 29, 2026 · BorrowCue Editorial Team
Cool Credit vs Creditio
What sets them apart
| Compare |  Cool Credit |  Creditio |
|---|---|---|
| APR | 3,091% to 416,607% | 3% to 36%Lower |
| Loan amount | CZK 1,000 to CZK 30,000 | €100 to €500,000 |
| Term | 5 to 93 months | 2 to 240 monthsHigher |
| Arrangement fee | Loan provision fee 375 CZK on 1,000 CZK for 30 days; 6,750 CZK on 9,000 CZK for 93 days | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Within 10 minutes of loan approval | Immediate decision in minutes; funds come from the lender you connect to |
| Representative example | 1,000 CZK for 30 days, fixed 0% rate, loan provision fee 375 CZK, RPSN 4,716%, total repayable 1,375 CZK | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% |
| Rate type | Fixed | Variable |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals aged 18+ with permanent or temporary residence in the Czech Republic, own Czech bank account, mobile phone and email | Users must be over 18; site targets residents of Spain plus the country sites listed in the menu (MX, CO, IT, PT, BR, RO, ZA, PL, DE, PH) |
| Loan types | Personal, Payday, Car, Student, Business | Personal, Debt consolidation, Car, Secured, Student |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
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Key differences
- Creditio is available in 10 more countries.
- APR is lower at Creditio: 3% to 36% vs 3,091% to 416,607%.
- Term is higher at Creditio: 2 to 240 months vs 5 to 93 months.
- Support channels: only Cool Credit offers Chat, Help centre.
- Loan types: only Cool Credit offers Payday, Business.
- Loan types: only Creditio offers Debt consolidation, Secured.
Our verdict on each
Cool Credit
Cool Credit suits Czech residents who need a small fixed-rate loan released quickly, and offers personal, payday, car, student and business lending under one licence.
Creditio
Creditio suits Spanish adults who want a broker to find them a lender quickly and who value a 0 EUR arrangement fee over a fixed rate. The wide rate range means the quote you receive matters more here than the headline does.
Score breakdown
| Area | Cool Credit | Creditio |
|---|---|---|
| Cost | 8.6 | 9.6HigherCosts rest on the 0 EUR arrangement fee and the no-cost personal loan example, while 3% to 36% stretches to a high ceiling. |
| Offer | 8.9HigherFixed rates on CZK 1,000 to CZK 30,000 for 5 to 93, same-day funding Within 10 minutes of loan approval. | 8.4 |
| Trust | 8.9Higher | 8.3 |
Ranges side by side
| Fact | Cool Credit | Creditio |
|---|---|---|
| APR | 3,091% to 416,607% | 3% to 36% |
| Term | 5 to 93 months | 2 to 240 months |
Licences and countries
| Country | Cool Credit | Creditio |
|---|---|---|
| Czechia | Not confirmed |
Additional countries for Cool Credit: 1. Additional countries for Creditio: 11.
What each covers
| Loan types | Cool Credit | Creditio |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | Yes | Yes |
What we checked
Cool Credit
- coolcredit.cz: 18 facts, checked September 26, 2026
Creditio
- creditio.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Cool Credit | Creditio |
|---|---|---|
| Personal loans | 123 of 1932 | 78 of 1932 |
| Car loans | 33 of 431 | 19 of 431 |
| Private student loans | 11 of 167 | 7 of 167 |
Every fact side by side
| Fact | Cool Credit | Creditio |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | COOL CREDIT, s.r.o. (IČ 02112621) | WITME ADVERTISING S.L. |
| Headquarters | Czechia | Spain |
| Founded | 2013 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Cool Credit | Creditio | Median |
|---|---|---|---|
| APR | 3,091% to 416,607%highest quarter | 3% to 36%lowest quarter | 8.99 |
| Term | 5 to 93 monthsabove the median | 2 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Cool Credit
Pros
- Funds arrive Within 10 minutes of loan approval, which is quick for a direct lender
- A direct lender, not a broker, so you deal with the entity that makes the decision
- Free early repayment, so settling early costs nothing extra
Cons
- An APR of 3,091% to 416,607% makes anything beyond a short bridge very expensive
- A hard credit check, which is the market's most common type of check and leaves a mark on the file
- A loan provision fee is charged on top of the interest rate, so the example total is far above the amount borrowed
Creditio
Pros
- The arrangement fee is 0 EUR on the personal loan in the representative example, so nothing is added on top of the interest.
- The low end of 3% to 36% sits below Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%.
- The credit check is a soft prequalification, soft prequal, where 72.7% of the brands compared use a hard check.
Cons
- The rate type is variable, so 3% to 36% is a range you are quoted into rather than a price fixed for the whole term.
- Creditio is a broker, so it never lends to you: the money and the contract both belong to the lender you are connected to, and that lender sets the final terms.
- Terms run 2 to 240, well short of the 480 seen across the brands compared, so a large balance has to be repaid quickly.
Who each suits
Cool Credit
Who it suits
- Czech residents with permanent or temporary residence in the country and a Czech bank account
- Adults with a mobile phone and email, which every applicant needs here
- Borrowers covering a short gap who can clear the balance within the term
Who should look elsewhere
- Anyone planning a long repayment, because the term runs 5 to 93 and the APR is high
- Monzo Flex, if you want a longer fixed-rate loan at a rate that stays sane for years
- Cashspace ES, where the listed APR is far lower, though it sits in a different market
Creditio
Who it suits
- Adults in Spain, and residents of the other country markets named in the eligibility notice, who would rather a broker did the searching.
- Borrowers whose main worry is the arrangement charge, since the fee is 0 EUR on the personal loan example.
- People who need an answer the same day, since the decision comes back in minutes.
Who should look elsewhere
- Borrowers chasing the very lowest headline rate, since Cashspace ES quotes 0%.
- Anyone unwilling to be matched to a different lender, because Creditio is a broker and both the money and the contract sit with the lender you are connected to.
- Readers comparing on a typical rate, since the median advertised rate across the brands compared is 12% while Creditio's own 3% to 36% range is far wider.
Current offers
Cool Credit
Current offer
Discount code
20% discount for the loan for Slovaks: 20% off with discount code SLOV
Applies to the loan for Slovaks without permanent residence in the Czech Republic
Source, checked September 26, 2026
Country by country
| Country | Cool Credit | Creditio |
|---|---|---|
| Brazil | No | Yes |
| Colombia | No | Yes |
| Czechia | Yes | No |
| Germany | No | Yes |
| Italy | No | Yes |
| Mexico | No | Yes |
| Philippines | No | Yes |
| Poland | No | Yes |
8 of 12 countries where either is available.
Questions about each
Cool Credit
What rate will I pay on a Cool Credit loan?+
The advertised APR runs 3,091% to 416,607%, which spans a very wide band. The published example pairs a low fixed rate with a loan provision fee, so the headline rate understates what you repay. Always read the example against the fee rather than the rate alone.
What does Cool Credit charge to arrange a loan?+
A loan provision fee is added to the amount borrowed. The published figures show a fee on a small loan over a short period and a larger fee on a bigger loan over a longer one, so the charge scales with how much you take and how long you keep it.
Creditio
What does it cost to arrange a loan through Creditio?+
The arrangement fee is 0 EUR, and the personal loan in the representative example is repaid at no cost at all. The interest rate is the figure that matters, and the example shows a rate below the advertised range of 3% to 36%. Read the two together: the charge is thin, but the range is wide enough that matches will differ, so ask for a written quote before you commit.
What rate will I be offered?+
The advertised range runs 3% to 36% and the rate type is variable, so the rate can move over the life of the loan. For reference, the median advertised rate across the brands compared here is 12%, and Monzo Flex runs 10% to 23%. Ask for the figure in writing, because a rate quoted today is not the rate you repay at later on.
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