Updated September 29, 2026 · BorrowCue Editorial Team
Creditilia ES vs Quick Car Finance
What sets them apart
| Compare |  Creditilia ES |  Quick Car Finance |
|---|---|---|
| APR | 4% to 289%Lower | 9.9% to 60% |
| Loan amount | €500 to €50,000 | £3,000 to £50,000 |
| Term | 3 to 96 monthsHigher | 12 to 60 months |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 |
| Credit check | Hard | Soft prequal |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | 1-3 working days |
| 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 | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Lender type | Marketplace | Broker |
| Free early repayment | YesHas it | No |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | 18+, UK resident |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more | Car |
| 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
- APR is lower at Creditilia ES: 4% to 289% vs 9.9% to 60%.
- Free early repayment: only Creditilia ES.
- Term is higher at Creditilia ES: 3 to 96 months vs 12 to 60 months.
- Loan types: only Creditilia ES offers Personal, Payday, Debt consolidation.
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%.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | Creditilia ES | Quick Car Finance |
|---|---|---|
| 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%. | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.5 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 8.1 | 8.6HigherBroker model of broker under licence 764855. |
From lowest to highest
| Fact | Creditilia ES | Quick Car Finance |
|---|---|---|
| APR | 4% to 289% | 9.9% to 60% |
| Term | 3 to 96 months | 12 to 60 months |
Where each is licensed and available
| Country | Creditilia ES | Quick Car Finance |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 764855 |
Additional countries for Creditilia ES: 1. Additional countries for Quick Car Finance: 1.
Feature by feature
| Loan types | Creditilia ES | Quick Car Finance |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Business | Yes | No |
| Guarantor | Yes | No |
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
Quick Car Finance
1,599.29 to 11,756.4
1,599.29 to 11,756.4
Creditilia ES comes out 970.66 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 28, 2026.
A third option
Prestamiau ES has apr at 0% to 36%, against 4% to 289% for Creditilia ES and 9.9% to 60% for Quick Car Finance.
Prestamiau ES reviewHow they place
| Ranking | Creditilia ES | Quick Car Finance |
|---|---|---|
| Loans for bad credit | 31 of 275 | 3 of 275 |
| Car loans | 13 of 431 | 2 of 431 |
Every fact side by side
| Fact | Creditilia ES | Quick Car Finance |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Not confirmed |
Mortgages
| Fact | Creditilia ES | Quick Car Finance |
|---|---|---|
| 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 | Quick Car Finance | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 9.9% to 60%above the median | 8.99 |
| 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.
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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.
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
Country by country
| Country | Creditilia ES | Quick Car Finance |
|---|---|---|
| Spain | Yes | No |
| United Kingdom | No | 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%.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.
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