Updated September 29, 2026 · BorrowCue Editorial Team
Creditilia ES vs Creduma ES
Where Creditilia ES and Creduma ES differ
| Compare |  Creditilia ES |  Creduma ES |
|---|---|---|
| Loan amount | €500 to €50,000 | from €12,000 |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Credit check | Hard | Soft prequal |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Offer in under 24 hours; money in the account in 7 days after signing |
| Lender type | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Secured, Debt consolidation |
| APR | 4% to 289% | Not confirmed |
| Term | 3 to 96 months | Not confirmed |
| 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Loan types: only Creditilia ES offers Personal, Payday, Business.
- Loan types: only Creduma ES offers Secured.
Our verdict on each
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%.
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
Score breakdown
| Area | Creditilia ES | Creduma ES |
|---|---|---|
| Cost | 9.4Fees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. | Not confirmed |
| Offer | 8.5 | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity |
| Trust | 8.1 | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES |
Side by side, item by item
| Loan types | Creditilia ES | Creduma ES |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Guarantor | Yes | No |
Where each is licensed and available
Available in 1 country for both.
How they place
| Ranking | Creditilia ES | Creduma ES |
|---|---|---|
| Loans for bad credit | 31 of 275 | 26 of 275 |
| Debt consolidation loans | 20 of 425 | 13 of 425 |
| Mortgages | 4 of 719 | 3 of 719 |
| Remortgage deals | 4 of 351 | 3 of 351 |
Every fact side by side
| Fact | Creditilia ES | Creduma ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Not confirmed |
Mortgages
| Fact | Creditilia ES | Creduma ES |
|---|---|---|
| Initial rate | 4% | Not confirmed |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | €0 |
| Purpose | Purchase, Remortgage | Remortgage, Home equity |
Where each stands against the rest
| Fact | Creditilia ES | Creduma ES | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €500 to €50,000above the median | from €12,000below the median | €40,000 |
| Term | 3 to 96 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
Who each suits
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.
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
Current offers
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Creditilia ES | Creduma ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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%.
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
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