Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Smartney
Where Creditilia ES and Smartney differ
| Compare |  Creditilia ES |  Smartney |
|---|---|---|
| APR | 4% to 289%Lower | 17.11% to 36.19% |
| Loan amount | €500 to €50,000 | PLN 1,000 to PLN 150,000 |
| Term | 3 to 96 months | 4 to 120 monthsHigher |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | Prowizja (commission) for granting and servicing the loan, charged with interest; e.g. 7,888.64 PLN on the 34,676.56 PLN cash loan example, 0 PLN in the current 0 PLN commission promotion |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes |
| 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 | Cash loan DaSię Teraz: RRSO 36.19% on 8,553.12 PLN over 37 instalments of 357.64 PLN, total repayable 13,596.49 PLN |
| Rate type | Fixed | Variable |
| Lender type | Marketplace | Direct lender |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Ages 21-70 holding a bank account in Poland |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more | Personal, Debt consolidation, Car, Business |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Smartney scores higher overall: 9.0 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 17.11% to 36.19%.
- Term is higher at Smartney: 4 to 120 months vs 3 to 96 months.
- Support channels: only Smartney offers Phone, Help centre.
- Loan types: only Creditilia ES offers Payday, 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%.
Smartney
Smartney is a Polish direct lender whose speed and wide term choice suit borrowers who need cash quickly and can clear a hard credit check. Costs sit at the high end: a variable rate, and a representative example at the top of the 17.11% to 36.19% range.
Score breakdown
| Area | Creditilia ES | Smartney |
|---|---|---|
| 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%. | 8.9 |
| Offer | 8.5 | 8.9HigherDirect lender: 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, terms of 4 to 120. |
| Trust | 8.1 | 9.2Higher |
What it costs in practice
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
Smartney
2,854.7 to 6,528.35
2,854.7 to 6,528.35
Creditilia ES comes out 2,226.07 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.
Availability and regulation
| Country | Creditilia ES | Smartney |
|---|---|---|
| Poland | Not confirmed |
Additional countries for Creditilia ES: 1. Additional countries for Smartney: 1.
Side by side, item by item
| Loan types | Creditilia ES | Smartney |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Guarantor | Yes | No |
| Use cases | Creditilia ES | Smartney |
|---|---|---|
| Home improvement | Yes | Yes |
Positions in our rankings
| Ranking | Creditilia ES | Smartney |
|---|---|---|
| Personal loans | 51 of 1932 | 106 of 1932 |
| Debt consolidation loans | 20 of 425 | 42 of 425 |
| Car loans | 13 of 431 | 27 of 431 |
| Business loans | 8 of 435 | 14 of 435 |
| Home improvement loans | 23 of 562 | 51 of 562 |
Sources behind this comparison
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Smartney
- smartney.pl: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Creditilia ES | Smartney |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Smartney Grupa Oney S.A. |
| Headquarters | Spain | Poland |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Smartney |
|---|---|---|
| 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 | Smartney | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 17.11% to 36.19%above the median | 8.99 |
| Term | 3 to 96 monthsabove the median | 4 to 120 monthshighest quarter | 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.
Smartney
Pros
- Payouts usually land in minutes, and same-day funding is offered
- Free early repayment, so clearing part of the balance early costs nothing extra
- Amounts of PLN 1,000 to PLN 150,000 over terms of 4 to 120 cover personal, consolidation, car and business lending
Cons
- Credit checks are hard, so a rejected application can leave a mark on the credit file
- Costs sit high, with the representative example at the top of the 17.11% to 36.19% range
- The rate type is variable, so the cost can move over the term
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.
Smartney
Who it suits
- Borrowers with a bank account in Poland who need the money quickly
- Anyone consolidating several debts into a single instalment
- Drivers and homeowners funding a car or home improvement work
Who should look elsewhere
- Cost-first borrowers, since Monzo Flex lists 10% to 23% and Cashspace ES lists 0%
- Anyone wanting a locked instalment, because the rate type here is variable
- Borrowers who cannot pass a credit check that is hard
Current offers
Smartney
Current offer
Bonus
0 zł prowizji (Pożyczka w jednym palcu): 0 PLN commission for granting and servicing the loan
07.09.2026-31.10.2026, new customers who had no Smartney loan before, 10,000-20,000 PLN over 72-84 months, once per promotion; example RRSO 15.5%
Source, checked September 26, 2026
Country by country
| Country | Creditilia ES | Smartney |
|---|---|---|
| Poland | 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%.
Smartney
What does a Smartney loan cost?+
The representative APR is 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, and the rate type is variable rather than fixed. The published example sits at the dearer end of that range, so the total repayable figure is the number to check before you apply.
Is there an arrangement fee?+
There is a commission for granting and servicing the loan, charged together with the interest rather than taken as a separate upfront payment. The current promotion waives that commission, so on a promoted loan the interest is the only charge on top of what you borrow.
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