Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Lendela
Creditilia ES vs Lendela: the differences
| Compare |  Creditilia ES |  Lendela |
|---|---|---|
| APR | 4% to 289% | up to 48% |
| Loan amount | €500 to €50,000 | SGD 1,000 to SGD 200,000 |
| Term | 3 to 96 monthsHigher | 3 to 72 months |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | SGD 0 |
| Credit check | Hard | None |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Around 1-2 days from application to disbursement; some within 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 | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Debt consolidation, Business, Secured, Student |
| Credit needed | Poor | Fair |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Marketplace), 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
- Creditilia ES scores higher overall: 8.7 vs 8.5.
- Lendela is available in 1 more country.
- Term is higher at Creditilia ES: 3 to 96 months vs 3 to 72 months.
- Support channels: only Lendela offers Phone, Help centre.
- Features: only Lendela offers Credit line.
- Loan types: only Creditilia ES offers Payday, Guarantor, Car.
- Loan types: only Lendela offers Secured, Student.
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%.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | Creditilia ES | Lendela |
|---|---|---|
| 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 | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.1 | 8.2Higher |
Ranges side by side
| Fact | Creditilia ES | Lendela |
|---|---|---|
| APR | 4% to 289% | up to 48% |
| Term | 3 to 96 months | 3 to 72 months |
Where they rank in our lists
| Ranking | Creditilia ES | Lendela |
|---|---|---|
| Personal loans | 51 of 1932 | 74 of 1932 |
| Loans for bad credit | 31 of 275 | 42 of 275 |
| Debt consolidation loans | 20 of 425 | 26 of 425 |
| Mortgages | 4 of 719 | 6 of 719 |
| Remortgage deals | 4 of 351 | 6 of 351 |
| Business loans | 8 of 435 | 10 of 435 |
| Home improvement loans | 23 of 562 | 31 of 562 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditilia ES
628.63 to 76,736.69
628.63 to 76,736.69
Lendela
up to 9,039.28
up to 9,039.28
The stated ranges do not establish a winner.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Choosing between them
Pick Creditilia ES if term matter most.
Pick Lendela if offer matter most.
Sources behind this comparison
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Creditilia ES | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Lendela Pte. Ltd. |
| Headquarters | Spain | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Lendela |
|---|---|---|
| Initial rate | 4% | 2.4%Lower |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | SGD 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | Lendela | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | up to 48%highest quarter | 8.99 |
| Term | 3 to 96 monthsabove the median | 3 to 72 monthsabove 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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat 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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | Creditilia ES | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | No | Yes |
| Spain | Yes | No |
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%.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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