Updated September 30, 2026 · BorrowCue Editorial Team
Credino vs Creditilia ES
What sets them apart
| Compare |  Credino |  Creditilia ES |
|---|---|---|
| APR | 81% | 4% to 289%Lower |
| Loan amount | DKK 1,000 to DKK 500,000 | €500 to €50,000 |
| Term | 12 months | 3 to 96 monthsHigher |
| Arrangement fee | 0 EUR | EUR 0 - no opening, study or early repayment fee |
| Funding time | First offers selected in about 2 minutes | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| 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) | 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 |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Loan types | Car | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| Credit check | Not confirmed | Hard |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Rate type (Fixed), Lender type (Marketplace), Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Creditilia ES scores higher overall: 8.7 vs 8.2.
- APR is lower at Creditilia ES: 4% to 289% vs 81%.
- Term is higher at Creditilia ES: 3 to 96 months vs 12 months.
- Loan types: only Creditilia ES offers Personal, Payday, Debt consolidation.
Our verdict on each
Credino
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.
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 | Credino | Creditilia ES |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | 9.4HigherFees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. |
| Offer | 8.4Offer reflects marketplace reach across car for planned spend | 8.5Higher |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 8.1 |
Availability and regulation
Additional countries for Credino: 1. Additional countries for Creditilia ES: 1.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credino
4,907.57
4,907.57
Creditilia ES
217.99 to 21,245.45
217.99 to 21,245.45
Creditilia ES comes out 4,689.58 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Sources behind this comparison
Credino
- credino.es: 8 facts, checked September 26, 2026
- credino.dk: 5 facts, checked September 26, 2026
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
How they place
| Ranking | Credino | Creditilia ES |
|---|---|---|
| Car loans | 15 of 431 | 13 of 431 |
| Home improvement loans | 25 of 562 | 23 of 562 |
Every fact side by side
| Fact | Credino | Creditilia ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed |
Mortgages
| Fact | Credino | Creditilia ES |
|---|---|---|
| Initial rate | Not confirmed | 4% |
| APRC | Not confirmed | 4.12% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Credino | Creditilia ES | Median |
|---|---|---|---|
| APR | 81%highest quarter | 4% to 289%lowest quarter | 8.99% |
| Term | 12 monthslowest quarter | 3 to 96 monthsabove the median | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credino
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
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
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
Credino
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
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.
Country by country
| Country | Credino | Creditilia ES |
|---|---|---|
| Denmark | Yes | No |
| Spain | No | Yes |
Questions about each
Credino
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.
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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