Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs MoneyHero
Creditilia ES vs MoneyHero: the differences
| Compare |  Creditilia ES |  MoneyHero |
|---|---|---|
| APR | 4% to 289% | 1% to 17.81%Lower |
| Loan amount | €500 to €50,000 | HK$100,000 to HK$3,000,000 |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | HKD 0 (comparison service is free of charge; no fee charged to users) |
| Credit check | Hard | Soft prequal |
| Lender type | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Debt consolidation, Credit line, Car |
| Credit needed | Poor | Fair |
| Term | 3 to 96 months | Not confirmed |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | 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 |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- MoneyHero scores higher overall: 9.0 vs 8.7.
- APR is lower at MoneyHero: 1% to 17.81% vs 4% to 289%.
- Support channels: only MoneyHero offers Help centre.
- Features: only Creditilia ES offers Same day funding.
- Features: only MoneyHero offers Credit line.
- Loan types: only Creditilia ES offers Payday, Business, Guarantor.
- Loan types: only MoneyHero offers Credit line.
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%.
MoneyHero
MoneyHero is a Hong Kong comparison broker for residents who want a single fee-free search across personal loans, debt consolidation, credit lines and car finance. Loan amounts run HKD 100,000 to HKD 3,000,000 and APR run 1% to 17.81%, and a soft prequal check sits at the quote stage.
Score breakdown
| Area | Creditilia ES | MoneyHero |
|---|---|---|
| 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%. | 9.7Higher |
| Offer | 8.5 | 9.1HigherFixed-rate products start at an initial rate of 1.88% with an APRC of 1.88%, and both remortgage and home equity sit in range. |
| Trust | 8.1 | 8.4Higher |
From lowest to highest
| Fact | Creditilia ES | MoneyHero |
|---|---|---|
| APR | 4% to 289% | 1% to 17.81% |
Sources behind this comparison
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
MoneyHero
- moneyhero.com.hk: 16 facts, checked September 26, 2026
How they place
| Ranking | Creditilia ES | MoneyHero |
|---|---|---|
| Personal loans | 51 of 1932 | 104 of 1932 |
| Loans for bad credit | 31 of 275 | 56 of 275 |
| Debt consolidation loans | 20 of 425 | 40 of 425 |
| Mortgages | 4 of 719 | 13 of 719 |
| Remortgage deals | 4 of 351 | 12 of 351 |
| Car loans | 13 of 431 | 25 of 431 |
| Home improvement loans | 23 of 562 | 49 of 562 |
Every fact side by side
| Fact | Creditilia ES | MoneyHero |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | MoneyHero Global Limited |
| Headquarters | Spain | Hong Kong |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | MoneyHero |
|---|---|---|
| Initial rate | 4% | 1.88%Lower |
| APRC | 4.12% | 1.88%Lower |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | €0 | HK$0 |
| Purpose | Purchase, Remortgage | Home equity, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | MoneyHero | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 1% to 17.81%lowest quarter | 8.99 |
| 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.
MoneyHero
Pros
- The comparison service is free of charge and no fee is charged to users, so searching costs nothing.
- Applications run a soft prequal, so an early look does not need a full credit file.
- Loan amounts run HKD 100,000 to HKD 3,000,000, well past the €876.96 typical amount on the site.
Cons
- Support runs on email and help centre only, so questions on a live application have no phone route.
- MoneyHero is a broker, so the approval decision and the final contract sit with the partner bank rather than the site.
- The dearest end of 1% to 17.81% sits above the 12% site median, and the products ask for fair credit.
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.
MoneyHero
Who it suits
- Hong Kong residents who are adults and want a fee-free search across personal loans, debt consolidation, credit lines and car finance.
- Borrowers who would rather compare partner bank offers once than apply to a single lender.
- Homeowners with equity to release, since the range also covers home equity and remortgage.
Who should look elsewhere
- Borrowers chasing the cheapest headline rate: Cashspace quotes APR of PHP 12 to PHP 36.
- People who want to deal with a single lender instead of a comparison service: Monzo Flex quotes APR of 10% to 23%, while MoneyHero works as a broker.
- Applicants outside the Hong Kong SAR, and minors, since the eligibility terms apply to Hong Kong residents who are adults.
Current offers
MoneyHero
Current offer
Bonus
September tax season thank-you festival, CNCBI $mart Plus instalment loan: HKD 3,300
Apply via MoneyHero during the September tax season campaign; page updated 21 September 2026; subject to terms and conditions
Source, checked September 26, 2026
Country by country
| Country | Creditilia ES | MoneyHero |
|---|---|---|
| Hong Kong | 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%.
MoneyHero
Does MoneyHero charge an arrangement fee?+
The comparison service is free of charge and no fee is charged to users, so nothing is payable for the search itself. On the home equity and remortgage products, the product fee is listed as HKD 0.
Is MoneyHero a lender?+
MoneyHero is a broker, run by MoneyHero Global Limited. That means the site places offers from several partner banks next to each other, and the bank you apply to is the one that decides the rate, the approval and the contract.
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