Credino ES review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credino ES is a Slovak broker for personal loans aimed at borrowers with poor credit who need a small, fixed-rate sum. First offers come back quickly and there is no origination fee, but the 81% sits well above the 12% across the site.

Key facts

Best for
Borrowers with poor credit seeking a small fixed-rate personal loan with no origination fee.
APR
81% (Source, checked September 26, 2026)
Loan amount
€50 to €5,000 (Source, checked September 26, 2026)
Term
12 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Funding time
First offers selected in about 2 minutes (Source, checked September 26, 2026)
Representative example
Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Hyperia s.r.o. (Source, checked September 26, 2026)
Headquarters
Slovakia (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
credino.es

Pros and cons

Pros

  • The origination fee is 0 EUR, so nothing is added on top of the interest
  • Offers arrive fast: First offers selected in about 2 minutes once a form is complete
  • The rate type is fixed and the model is fixed rate, so payments do not move with the market
  • The 81% is high, but it targets poor credit, and poor credit is the largest group in the bad credit ranking at 70.1%
  • Loans of €50 to €5,000 suit a short unplanned bill rather than a large restructure

Cons

  • The 81% is far above the 12% across the site and the 0.8 cost score reflects that
  • Support runs on email only, with no phone or chat channel listed
  • The published term is 12, shorter than the 36 typical across the site, so the balance is cleared on a compressed schedule
  • It is a broker rather than a direct lender, which is the minority setup in the personal loan ranking at 17.2%
Credino ES

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Scored 8.3 / 10 by BorrowCue.

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Who it suits

  • Borrowers with poor credit who need a small personal loan quickly
  • Anyone who wants a fixed rate and can accept a high 81%
  • People who are happy to compare offers from a broker rather than deal with one lender

Who should look elsewhere

  • Borrowers who can access a cheaper rate elsewhere, since the 81% sits far above Monzo Flex at 10% to 23%
  • Anyone who needs support on the phone, because support runs on email only
  • Larger borrowing, since the €50 to €5,000 ceiling is modest next to the €2,500 top range

Safety and regulation

Credino ES works as a broker rather than the lender itself, which shapes who stands behind the loan. The published example is clear about cost: a fixed interest rate paired with an 81%, on a sum repaid over 12 in equal monthly instalments. That example sits at the centre of the offer, so it is the figure to test any live quote against. The loan type listed is personal, and a broker structure means the contract sits with whichever lender responds to an application. Readers who weigh who holds the money should treat the matched lender, not the site name, as the counterparty.

Applying and getting the money

Speed is the clearest part of the offer. First offers selected in about 2 minutes once a form is complete, so the wait sits before any money moves. Borrowing runs €50 to €5,000, which starts small enough for a single bill and tops out well short of the largest sums in the personal loan ranking, where the upper range reaches €2,500. The published term is 12, shorter than the 36 typical across the site, so repayment stays close to the sample figure rather than stretching over years. Since Credino ES is a broker, the offers surfaced are the ones a matched lender returns, and the rate reflects that lender rather than a single published price.

Who runs it

The operation is run by Hyperia s.r.o., which is based in Slovakia, so the contracting party sits in Slovakia rather than in Spain. Credino ES acts as a broker for personal loans, and its own cost to the applicant is set out in the origination fee, which is 0 EUR. Contact runs on email alone. That means questions about an application, a payment or a rate change go by email rather than by phone, and email is the channel listed most often across the site, at 79%. Anyone who wants to speak to someone should weigh that first.

How Credino ES compares

Where Credino ES is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does Credino ES charge?+

The stated 81% is high, sitting well above the 12% across the site. The published example pairs it with a fixed interest rate on a sum repaid over 12 in equal instalments. Borrowers should read that example as the figure to test any live offer against.

Are there any fees for taking a loan through Credino ES?+

The origination fee is 0 EUR, so nothing is charged on top of the interest for arranging the loan. Borrowing costs then come down to the fixed interest rate and the 81% carried in the published example. That example is the clearest guide to the total a loan costs.

Who is the lender behind Credino ES?+

Credino ES is a broker, not a direct lender, and the broker setup covers only a minority of the personal loan ranking at 17.2%. Offers come from lenders the broker matches, so the rate depends on which lender responds to an application.

Who runs Credino ES and where?+

The legal entity behind the service is Hyperia s.r.o., based in Slovakia, and Credino ES presents itself as a broker for personal loans. Borrowers should confirm the contracting party and its regulatory standing for themselves before signing, since the name on the agreement is what binds the repayment.

How long does it take to get offers?+

First offers selected in about 2 minutes once an application is submitted, so offer selection is quick. That speed is worth weighing against the 82.9% share of the wider market, though it describes offers being selected rather than money landing in an account. The lender behind a matched offer sets the timing from there.

How much can I borrow and over what term?+

Borrowing runs €50 to €5,000, from a small sum to a modest ceiling, and the published term is 12. That term is shorter than the 36 typical across the site, so repayments stay close to the monthly figure in the example rather than spreading over years.

What credit history do I need?+

The credit needed is poor, which makes the service aimed at borrowers with thin or damaged credit files. Poor credit is the largest group in the bad credit ranking at 70.1%, and the 81% is the price of that access.

How do I get help with my application?+

Support runs on email alone, so email is the listed channel and a written record of every exchange. That matters for anyone who wants a decision explained while an application is moving. Email is the most common support channel on the site, at 79%, so a reply that way is the normal route.

Sources

  • credino.es checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Funding time, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Support channels, Term

    “Con Asnef”

Compiled from 1 source page, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credino ES

Credino ES

Borrowers with poor credit seeking a small fixed-rate personal loan with no origination fee.

8.3/10Visit

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