Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Ibancar Prestamos
Creditilia ES vs Ibancar Prestamos: the differences
| Compare |  Creditilia ES |  Ibancar Prestamos |
|---|---|---|
| APR | 4% to 289%Lower | 12.74% to 13.01% |
| Loan amount | €500 to €50,000Higher | €600 to €8,000 |
| Term | 3 to 96 monthsHigher | 12 to 60 months |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Same day, up to 24 hours |
| 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 | 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 | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Car, Secured |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | Not confirmed |
| Credit check | Hard | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | 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 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 12.74% to 13.01%.
- Loan amount is higher at Creditilia ES: €500 to €50,000 vs €600 to €8,000.
- Term is higher at Creditilia ES: 3 to 96 months vs 12 to 60 months.
- Support channels: only Ibancar Prestamos offers Phone, Help centre.
- Loan types: only Creditilia ES offers Payday, Debt consolidation, Business.
- Loan types: only Ibancar Prestamos 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%.
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 | Creditilia ES | Ibancar Prestamos |
|---|---|---|
| Cost | 9.4HigherFees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. | 8.7 |
| Offer | 8.5 | 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 | 8.1 | 9.2Higher |
Which one suits you
Pick Creditilia ES if cost, apr, loan amount, and term matter most.
Pick Ibancar Prestamos if offer matter most.
Feature by feature
| Loan types | Creditilia ES | Ibancar Prestamos |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | Yes | No |
| Guarantor | Yes | No |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditilia ES
314.32 to 38,368.34
314.32 to 38,368.34
Ibancar Prestamos
1,042.39 to 1,065.78
1,042.39 to 1,065.78
Creditilia ES comes out 728.07 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Creditilia ES | Ibancar Prestamos |
|---|---|---|
| Personal loans | 51 of 1932 | 15 of 1932 |
| Loans for bad credit | 31 of 275 | 10 of 275 |
| Car loans | 13 of 431 | 4 of 431 |
Every fact side by side
| Fact | Creditilia ES | Ibancar Prestamos |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Ibancar World SL |
| Headquarters | Spain | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Ibancar Prestamos |
|---|---|---|
| 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 | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 12.74% to 13.01%above the median | 8.99 |
| Loan amount | €500 to €50,000above the median | €600 to €8,000below the median | €40,000 |
| Term | 3 to 96 monthsabove the median | 12 to 60 monthsat the median | 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.
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
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.
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 | Creditilia ES | Ibancar Prestamos |
|---|---|---|
| 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%.
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.
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