Creditilia ES review

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

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Our verdict

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%.

Key facts

Best for
Residents of Spain who want fees of EUR 0 - no opening, study or early repayment fee and a same day answer.
APR
4% to 289% (Source, checked September 26, 2026)
Loan amount
€500 to €50,000 (Source, checked September 26, 2026)
Term
3 to 96 months (Source, checked September 26, 2026)
Arrangement fee
EUR 0 - no opening, study or early repayment fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes (Source, checked September 26, 2026)
Representative example
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 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Business, Guarantor, Car (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
The Way Media Marketing & Digital Services SL (NIF B44789139) (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
creditilia.es

Mortgages

Initial rate
4% (Source, checked September 26, 2026)
APRC
4.12% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
The Way Media Marketing & Digital Services SL (NIF B44789139) (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
blog.creditilia.es

Pros and cons

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.
  • A wide spread of lending types (personal, payday and debt consolidation) plus lending earmarked for home improvement (home improvement).
  • Terms of 3 to 96 sit either side of the 36 month median across the market, so a short loan or a long one is both on the table.

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.
  • Support runs on email only, so there is no phone line for a question about a payment or a rate.
Creditilia ES

Ready to try Creditilia ES?

Scored 8.7 / 10 by BorrowCue.

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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.

How your money is protected

Creditilia ES is a marketplace rather than a single lender, and that shapes where your money sits. The rate and the term on offer come from whichever partner lender you are matched with, so the contract you sign is the one with that lender rather than with the site. The published representative example is the one worked figure available for comparison. It pairs a modest loan with a repayment spread over several years at a fixed annual rate, and it sets out both a monthly payment and a total repayable, so the full cost of the loan is visible before you commit to anything. That fixed pricing matters for planning: the monthly payment in the example holds for the whole term. Read the example as a guide to the shape and cost of a loan arranged here, not as a quote, because the lender is settled only once you have submitted your details.

What borrowing costs

The headline cost is the rate. Creditilia ES quotes an annual rate that runs 4% to 289%, a wide band covering its cheapest and dearest products, so what you pay depends heavily on which partner lender on the marketplace you end up with. The top of that band sits far above the 12% median across the market, which means a weaker credit profile can be quoted at the wrong end of it. Fees sit at EUR 0 - no opening, study or early repayment fee, and that line covers the personal, payday, consolidation, business, guarantor and car loans on the site: no opening charge, no study fee and no penalty for clearing the balance early. Free early repayment is confirmed, so being ahead of schedule leaves nothing to negotiate and no fee to argue about. The representative example shows what fixed rate borrowing looks like in practice, with a monthly payment and a total repayable published side by side. Fixed pricing removes the monthly changes that make a long loan hard to plan, but the rate still does the work in the total. On a marketplace, the price is set by the partner lender, not by the site.

The company behind it

Creditilia ES is run by The Way Media Marketing and Digital Services SL, a company registered in Spain, which is where the site says applicants are mainly based. The legal entity is named in the terms of use, giving you a named party to look up before you apply. As a marketplace, the brand is the point of contact rather than the party that carries the loan itself, so the terms published by the individual partner lender are the ones that govern the borrowing relationship and any recovery of what you owe. Support runs on email only. That means every question about an offer, a document or a payment is handled in writing, and it gives you a written record of what you were told, at the cost of waiting for a reply rather than speaking to someone. Anyone who wants a phone line or a live chat will find email is the only channel on offer. The company is based in Spain and the eligibility note says applicants are mainly residents there, so expect support to follow Spanish business hours.

How Creditilia ES compares

Where Creditilia ES is available

Available
Spain

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

Frequently asked questions

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%.

Can I clear the balance early without a penalty?+

Free early repayment applies, and the fee line at EUR 0 - no opening, study or early repayment fee confirms there is no early repayment charge on the personal, payday, consolidation, business, guarantor and car loans. Pricing is fixed rate, so clearing the balance early simply removes the interest you would otherwise have paid rather than triggering a charge.

How much can I borrow?+

Loan amounts run €500 to €50,000 in euro, from a small loan to a figure high enough for a car or a debt consolidation, and what you receive depends on the partner lender you are matched with. The median amount across the market is €876.96, so this range reaches well past the typical borrowing.

How long can I borrow for?+

Terms run 3 to 96, which covers both short and long loans. The median term across the market is 36. A fixed rate means the monthly payment on a longer term stays level, though the total repayable rises as the term stretches, so match the term to the monthly figure you can carry.

Will applying hurt my credit file?+

The check is a hard credit search (hard), so an application can leave a full mark on your file rather than a soft prequalification. The site is aimed at borrowers with poor credit (poor), which is the trade-off on offer: loans priced for applicants the mainstream lenders decline. Weigh that mark before you apply.

How fast will I hear back?+

Offers are shown immediately and the answer comes within a day, with same day funding listed as a feature (same day funding). That speed suits an emergency, but it is no reason to skip the rate check. A fast answer on a marketplace can arrive at the top of the 4% to 289% range, so read the cost before you accept.

Who am I dealing with, and how do I get help?+

The brand is a Spanish marketplace operated by a company registered in Spain (ES), and the lending itself comes from partner lenders rather than one balance sheet, so read the terms of whichever lender you are matched with. After you apply, support runs on email only, so keep every offer and answer in writing.

Sources

  • creditilia.es checked September 26, 2026

    Backs: Rate type, Loan amount, APR, Credit needed, Free early repayment, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Representative example, Term, Use cases

    “Interes fijo anual 4% T.I.N.”

  • creditilia.es/landing/prestamos-24hs checked September 26, 2026

    Backs: Features, Funding time

  • creditilia.es/landing/prestamos-hipotecarios checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Product fee, Purpose

  • creditilia.es/privacy-policy checked September 26, 2026

    Backs: Credit check

  • creditilia.es/terms-of-use checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity, Support channels

    “Domicilio Social: Rambla Cataluña 57-59, 4-1, 08007 Barcelona”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Creditilia ES

Creditilia ES

Residents of Spain who want fees of EUR 0 - no opening, study or early repayment fee and a same day answer.

8.7/10Visit

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