Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Nazivnost
What sets them apart
| Compare |  Creditilia ES |  Nazivnost |
|---|---|---|
| APR | 4% to 289% | 0.037% to 30,341%Lower |
| Loan amount | €500 to €50,000 | CZK 5,000 to CZK 200,000 |
| Term | 3 to 96 monthsHigher | 2 to 12 months |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Within minutes of approval, at latest the next day |
| 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 | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc |
| Lender type | Marketplace | Direct lender |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts |
| Origination fee (%) | 0%Lower | 0.05% |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more | Business, Payday |
| Credit needed | Poor | Fair |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes).
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Key differences
- Nazivnost scores higher overall: 9.0 vs 8.7.
- APR is lower at Nazivnost: 0.037% to 30,341% vs 4% to 289%.
- Origination fee (%) is lower at Creditilia ES: 0% vs 0.05%.
- Term is higher at Creditilia ES: 3 to 96 months vs 2 to 12 months.
- Support channels: only Nazivnost offers Phone, Help centre.
- Loan types: only Creditilia ES offers Personal, Debt consolidation, 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%.
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
Score breakdown
| Area | Creditilia ES | Nazivnost |
|---|---|---|
| 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%. | 9.3Rates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. |
| Offer | 8.5 | 8.7Higher |
| Trust | 8.1 | 8.8Higher |
What each covers
| Loan types | Creditilia ES | Nazivnost |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | No |
| Business | Yes | Yes |
| Guarantor | Yes | No |
Where they rank in our lists
| Ranking | Creditilia ES | Nazivnost |
|---|---|---|
| Payday and short-term loans | 24 of 246 | 38 of 246 |
| Loans for bad credit | 31 of 275 | 57 of 275 |
| Business loans | 8 of 435 | 13 of 435 |
Ranges side by side
| Fact | Creditilia ES | Nazivnost |
|---|---|---|
| APR | 4% to 289% | 0.037% to 30,341% |
| Term | 3 to 96 months | 2 to 12 months |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditilia ES
217.99 to 21,245.45
217.99 to 21,245.45
Nazivnost
1.98 to 3,024,100
1.98 to 3,024,100
Nazivnost comes out 216.01 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.
Every fact side by side
| Fact | Creditilia ES | Nazivnost |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | CreditKasa s.r.o. (IČO 048 23 541) |
| Headquarters | Spain | Czechia |
| Founded | Not confirmed | 2016 |
| Support channels | Phone, Email, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Nazivnost |
|---|---|---|
| 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 | Nazivnost | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 0.037% to 30,341%lowest quarter | 8.99 |
| Term | 3 to 96 monthsabove the median | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 0.05%below the median | 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.
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
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.
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
Country by country
| Country | Creditilia ES | Nazivnost |
|---|---|---|
| Czechia | 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%.
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.
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