Updated September 30, 2026 · BorrowCue Editorial Team
Credino vs Ibancar Prestamos
Credino vs Ibancar Prestamos: the differences
| Compare |  Credino |  Ibancar Prestamos |
|---|---|---|
| APR | 81% | 12.74% to 13.01%Lower |
| Loan amount | DKK 1,000 to DKK 500,000 | €600 to €8,000 |
| Term | 12 months | 12 to 60 monthsHigher |
| Funding time | First offers selected in about 2 minutes | Same day, up to 24 hours |
| 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) | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Lender type | Marketplace | Direct lender |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Car | Personal, Car, SecuredCovers more |
| Arrangement fee | 0 EUR | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Credit needed (Poor).
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.2.
- APR is lower at Ibancar Prestamos: 12.74% to 13.01% vs 81%.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 12 months.
- Loan types: only Ibancar Prestamos offers Personal, Secured.
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.
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
Score breakdown
| Area | Credino | Ibancar Prestamos |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | 8.7Higher |
| Offer | 8.4Offer reflects marketplace reach across car for planned spend | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 9.2Higher |
Where each is licensed and available
Additional countries for Credino: 1. Additional countries for Ibancar Prestamos: 1.
Positions in our rankings
| Ranking | Credino | Ibancar Prestamos |
|---|---|---|
| Car loans | 15 of 431 | 4 of 431 |
If neither fits
Sofkredit has apr at 10.74% to 18.06%, against 81% for Credino and 12.74% to 13.01% for Ibancar Prestamos.
Sofkredit reviewSources behind this comparison
Credino
- credino.es: 8 facts, checked September 26, 2026
- credino.dk: 5 facts, checked September 26, 2026
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Credino | Ibancar Prestamos |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Ibancar World SL |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Credino | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 81%highest quarter | 12.74% to 13.01%above the median | 8.99% |
| Term | 12 monthslowest quarter | 12 to 60 monthsat the median | 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
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender instead
Country by country
| Country | Credino | Ibancar Prestamos |
|---|---|---|
| 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.
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
Other options to compare
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