Credino review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 28, 2026

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Our verdict

Credino suits borrowers with poor credit who want to compare car or home improvement offers through a marketplace rather than applying to a direct lender. Its pricing centres on APR of 81% with origination fees of 0 EUR, so check the published example carefully before you proceed.

Key facts

Best for
Shoppers comparing car or home improvement loans
APR
81% (Source, checked September 26, 2026)
Loan amount
DKK 1,000 to DKK 500,000 (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
Marketplace (Source, checked September 26, 2026)
Eligibility
Danish online lenders only; a minimum age of 23 may apply depending on the provider (Source, checked September 26, 2026)
Loan types
Car (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
credino.es

Pros and cons

Pros

  • Marketplace model via marketplace lets you review varied partner offers in a single search
  • Origination fees run 0 EUR so setup adds no separate charge beyond interest
  • Car coverage via car suits vehicle shoppers comparing providers
  • Home improvement coverage via home improvement suits renovation planning
  • Shortlist timing runs First offers selected in about 2 minutes so you can review direction without delay

Cons

  • Pricing centres on APR of 81% which can make total repayment heavy for tight budgets
  • Repayment window sits at 12 which limits flexibility if you hoped to spread costs
  • Support runs on email only which may frustrate you if you prefer phone help
  • Danish online lenders only shapes eligibility, which narrows choice versus Ibancar Prestamos
Credino

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Scored 8.2 / 10 by BorrowCue.

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Who it suits

  • Borrowers with poor credit comparing marketplace offers for car or renovation spend
  • Shoppers who value prompt shortlisting described as First offers selected in about 2 minutes before detailed checks
  • Borrowers comfortable managing help by email while comparing lenders

Who should look elsewhere

  • Borrowers chasing lower headline APR who may prefer Ibancar Prestamos because its listed APR differs from 81%
  • Borrowers wanting card style revolving credit who may prefer AXI Card Tarjeta y Credito for its card structure
  • Borrowers wanting longer schedules who may avoid Credino because duration sits at 12

Rates and costs

Credino pricing centres on APR of 81% with a fixed structure that keeps instalments steady while interest accrues across the life of the advance. Fees run 0 EUR, which means you do not face a separate setup charge added by the comparison service itself, though partner terms still govern the advance you select. The published illustration helps you judge value because it sets out a modest advance repaid through regular monthly instalments, showing how total payable exceeds the sum borrowed once interest applies at a fixed rate. You should focus on that total payable rather than the monthly figure alone, since a brief schedule concentrates cost into larger instalments and raises affordability pressure. If you compare Credino with direct lenders, treat APR as the anchor and use the illustration to translate that anchor into cash terms you can test against income and existing outgoings. Where the illustration feels steep, pause and consider whether a reduced sum or alternative timing would leave you with greater headroom after essential spend.

Safety and regulation

Credino acts as marketplace rather than as the creditor that funds your advance, which shapes how you should assess safety. Your agreement, affordability review, payout and servicing sit with the provider you pick from the shortlist, not with the comparison layer that introduced the choice. The published illustration supports careful review because it links a modest advance to monthly instalments and total payable under fixed interest, letting you see cost pressure before you share details with a lender. You should confirm the identity of the chosen provider, read its own terms on late payment and early settlement, and keep copies of pre contract information for later reference. As with any credit search, avoid borrowing to cover persistent shortfalls, check that instalments remain manageable if income varies, and step back where terms appear unclear or rushed. Used with care, the marketplace route can aid comparison, though protection and recourse depend on the lender you ultimately select.

Applying and getting the money

Your journey starts with an enquiry that leads to a shortlist, with timing described as First offers selected in about 2 minutes. That prompt view helps you gauge whether to proceed, switch provider, or pause your search before deeper checks begin. Search scope covers DKK 1,000 to DKK 500,000, giving room for both modest projects and larger vehicle or renovation plans, subject to affordability and partner criteria. Duration sits at 12, which creates a defined horizon with regular instalments and a clear end point. You should prepare identification, income evidence and bank details in advance, since lenders commonly request these during verification even after an initial match. Read each offer for APR, total payable, instalment size and any charges for late payment, and avoid submitting varied applications that could complicate your credit footprint. If payout timing matters for a dealer invoice or contractor deposit, confirm value dates with the chosen provider before you commit to related purchase dates.

Who runs it

Credino is operated by Finbino s.r.o., with country base shown as DK. That structure explains its focus on Danish online providers and its role as an introduction channel rather than as a balance sheet lender. Day to day help runs through email, which suits written queries about how the search works, what information you provide, and how shortlisted offers appear. You should use that route for guidance on using the site, then direct loan servicing questions to the lender you select, since statements, schedule changes and payment issues rest with the creditor. Keep a record of correspondence with both sides, including offer summaries and agreed schedules, so you can resolve queries efficiently. If email response feels slow during a live purchase, allow time for replies and avoid committing to dealer or contractor deadlines until finance is confirmed in writing by the provider.

How Credino compares

Where Credino is available

Available
Denmark

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

Frequently asked questions

Is Credino a lender or a comparison service?+

Credino focuses on comparison rather than direct lending, operating as marketplace. You submit details and review partner offers, then continue with the chosen provider under its own terms and checks.

What does borrowing through Credino cost?+

The headline cost is APR of 81% alongside fees of 0 EUR. You should read the published illustration showing monthly instalments and total payable, since interest makes the total exceed the amount borrowed.

How much can you look for through Credino?+

Amounts span DKK 1,000 to DKK 500,000 for Danish offers. You can look for car funding or home improvement funding within that span, subject to partner approval and affordability review by each provider.

How long is the repayment period?+

The listed duration is 12. That structure suits a defined purchase or renovation with steady instalments, though you cannot stretch payments across a longer horizon through this route.

How quickly can you see offers?+

Timing is described as First offers selected in about 2 minutes. You can move from enquiry to shortlist review promptly, though final approval and payout depend on the selected lender and its verification steps.

Can you use Credino with poor credit?+

Credino accepts poor credit profiles and suits poor histories. You may still face refusal or dearer pricing, so compare the illustration with Ibancar Prestamos and Fidea before you commit.

Who operates Credino and how do you get help?+

Credino is operated by Finbino s.r.o. with base in Denmark. Support is by email, so you should use email for queries about the comparison journey and contact lenders directly on loan servicing.

Sources

  • credino.dk checked September 26, 2026

    Backs: Eligibility

  • credino.dk/laan-beloeb checked September 26, 2026

    Backs: Loan amount

    “Søg lån efter beløbsstørrelse: Lån 1.000 kr. ... Lån 500.000 kr.”

  • credino.dk/laan-til checked September 26, 2026

    Backs: Loan types, Use cases

    “KØKKEN, RENOVERING”

  • credino.dk/om-credino checked September 26, 2026

    Backs: Lender type

  • credino.es checked September 26, 2026

    Backs: APR, Credit needed, Funding time, Pricing model, Arrangement fee, Rate type, Representative example, Term

    “Con Asnef”

Compiled from 5 source pages, checked September 28, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credino

Credino

Shoppers comparing car or home improvement loans

8.2/10Visit

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