Updated September 30, 2026 · BorrowCue Editorial Team
Credino vs Crezu ES
Where Credino and Crezu ES differ
| Compare |  Credino |  Crezu ES |
|---|---|---|
| APR | 81% | 0% to 36%Lower |
| Loan amount | DKK 1,000 to DKK 500,000 | €100 to €5,000 |
| Term | 12 months | 91 to 120 monthsHigher |
| Funding time | First offers selected in about 2 minutes | money in 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) | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% |
| Lender type | Marketplace | Broker |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | 18+, internet access, ID document and bank account, Spain |
| Loan types | Car | Personal, Payday, Debt consolidation, CarCovers more |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Fixed | Not confirmed |
Same on both: Arrangement fee (0 EUR), Credit needed (Poor), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Crezu ES scores higher overall: 9.0 vs 8.2.
- APR is lower at Crezu ES: 0% to 36% vs 81%.
- Term is higher at Crezu ES: 91 to 120 months vs 12 months.
- Loan types: only Crezu 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.
Crezu ES
Crezu ES suits Spanish borrowers with a poor credit history who need a small sum the same day. APR runs 0% to 36%, the origination fee is 0 EUR and advertised funding is money in 15 minutes, so the rate you are given rests on the partner lender who responds.
Score breakdown
| Area | Credino | Crezu ES |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | 9.9Higher |
| Offer | 8.4Offer reflects marketplace reach across car for planned spend | 8.8HigherBroker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 8.3Higher |
Side by side, item by item
| Loan types | Credino | Crezu ES |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Car | Yes | Yes |
| Use cases | Credino | Crezu ES |
|---|---|---|
| Home improvement | Yes | Yes |
Positions in our rankings
| Ranking | Credino | Crezu ES |
|---|---|---|
| Car loans | 15 of 431 | 11 of 431 |
| Home improvement loans | 25 of 562 | 20 of 562 |
Where each is licensed and available
Additional countries for Credino: 1. Additional countries for Crezu ES: 1.
Sources behind this comparison
Credino
- credino.es: 8 facts, checked September 26, 2026
- credino.dk: 5 facts, checked September 26, 2026
Crezu ES
- crezu.es: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Credino | Crezu ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Fininity OÜ |
| Headquarters | Not confirmed | Estonia |
| Support channels | Not confirmed |
Where each stands against the rest
| Fact | Credino | Crezu ES | Median |
|---|---|---|---|
| APR | 81%highest quarter | 0% to 36%lowest quarter | 8.99% |
| Term | 12 monthslowest quarter | 91 to 120 monthshighest quarter | 60 months |
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
Crezu ES
Pros
- APR runs 0% to 36%, so the headline cost sits at the low end of what lenders charge
- The origination fee is 0 EUR, and the representative example shows costs of nothing and a total repayable equal to the amount borrowed
- Funding is advertised at money in 15 minutes, which suits an urgent bill
Cons
- Crezu ES lists its lender kind as a broker (broker), so the rate you are offered depends on which partner responds
- APR can reach 0% to 36% at the top of the range, well above the 12% typical across the site
- Support runs on email only, with no phone or chat route listed
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
Crezu ES
Who it suits
- Adults in Spain with a poor credit history who need a small sum quickly
- Borrowers who want to see an offer through a soft prequalification rather than a full credit search
- Anyone comfortable letting a broker pass their details to partner lenders
Who should look elsewhere
- Monzo Flex readers, whose APR is 10% to 23% and who want a longer term for a larger sum
- Cashspace readers, whose APR is PHP 12 to PHP 36
- Borrowers who need phone or chat support, since Crezu ES lists email
Current offers
Crezu ES
Current offer
Bonus
Primer prestamo sin coste (0% APR) para nuevos usuarios: 0% APR, costs 0 EUR
New users only; applies to partner lender offers
Source, checked September 26, 2026
Country by country
| Country | Credino | Crezu 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.
Crezu ES
What APR does Crezu ES charge?+
Crezu ES publishes APR of 0% to 36%, from the lowest pricing to the highest. Because the brand is a broker, the rate depends on which partner lender responds and on your credit profile, so the lower end of the range is a starting point rather than the expected outcome. The median APR across the site is 12%.
Is there an arrangement or origination fee?+
The origination fee is 0 EUR, so there is no separate charge for setting the loan up. The representative example shows costs of nothing on a small short term borrowing, with a total repayable equal to the amount borrowed. Interest is the only element in that example.