Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Crezu ES
Creditilia ES vs Crezu ES: the differences
| Compare |  Creditilia ES |  Crezu ES |
|---|---|---|
| APR | 4% to 289% | 0% to 36%Lower |
| Loan amount | €500 to €50,000Higher | €100 to €5,000 |
| Term | 3 to 96 months | 91 to 120 monthsHigher |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | money in 15 minutes |
| 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 | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% |
| Lender type | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | 18+, internet access, ID document and bank account, Spain |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more | Personal, Payday, Debt consolidation, Car |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: 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 8.7.
- APR is lower at Crezu ES: 0% to 36% vs 4% to 289%.
- Loan amount is higher at Creditilia ES: €500 to €50,000 vs €100 to €5,000.
- Term is higher at Crezu ES: 91 to 120 months vs 3 to 96 months.
- Loan types: only Creditilia ES offers Business, Guarantor.
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%.
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 | Creditilia ES | Crezu 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%. | 9.9Higher |
| Offer | 8.5 | 8.8HigherBroker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. |
| Trust | 8.1 | 8.3Higher |
Positions in our rankings
| Ranking | Creditilia ES | Crezu ES |
|---|---|---|
| Personal loans | 51 of 1932 | 47 of 1932 |
| Payday and short-term loans | 24 of 246 | 23 of 246 |
| Loans for bad credit | 31 of 275 | 29 of 275 |
| Debt consolidation loans | 20 of 425 | 17 of 425 |
| Car loans | 13 of 431 | 11 of 431 |
| Home improvement loans | 23 of 562 | 20 of 562 |
Feature by feature
| Loan types | Creditilia ES | Crezu ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | No |
| Guarantor | Yes | No |
| Use cases | Creditilia ES | Crezu ES |
|---|---|---|
| Home improvement | Yes | Yes |
Availability and regulation
Available in 1 country for both.
Choosing between them
Pick Creditilia ES if loan amount and loan types matter most.
Pick Crezu ES if cost, offer, apr, and term matter most.
Every fact side by side
| Fact | Creditilia ES | Crezu ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Fininity OÜ |
| Headquarters | Spain | Estonia |
| Support channels |
Mortgages
| Fact | Creditilia ES | Crezu ES |
|---|---|---|
| Initial rate | 4% | Not confirmed |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Creditilia ES | Crezu ES | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €500 to €50,000above the median | €100 to €5,000lowest quarter | €40,000 |
| Term | 3 to 96 monthsabove the median | 91 to 120 monthshighest quarter | 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.
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
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.
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 | Creditilia ES | Crezu 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%.
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.
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