Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Smava
Creditilia ES vs Smava: the differences
| Compare |  Creditilia ES |  Smava |
|---|---|---|
| APR | 4% to 289% | -0.4% to 19.9%Lower |
| Loan amount | €500 to €50,000 | €1,000 to €120,000Higher |
| Term | 3 to 96 months | 6 to 120 monthsHigher |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Within a few working days; with digital account check and video ident some banks disburse the same 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 | Ratenkredit: EUR 50,000 net loan, 60 months, 8.70% effective annual rate, 60 monthly instalments of EUR 1,022.73, total EUR 61,363.57, Vereinigte Volksbank Raiffeisenbank eG |
| Free early repayment | YesHas it | No |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | At least 18 years old, main residence in Germany, current account at a German bank, regular income, sufficient creditworthiness |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more | Personal, Car, Debt consolidation, Business |
| Credit needed | Poor | Fair |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Rate type (Fixed), 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
- Smava scores higher overall: 8.9 vs 8.7.
- APR is lower at Smava: -0.4% to 19.9% vs 4% to 289%.
- Free early repayment: only Creditilia ES.
- Loan amount is higher at Smava: €1,000 to €120,000 vs €500 to €50,000.
- Term is higher at Smava: 6 to 120 months vs 3 to 96 months.
- Support channels: only Smava 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%.
Smava
Smava suits German borrowers who want one comparison across personal, car, consolidation and business loans, plus home finance, without paying a setup fee. It scores 6 overall, with -0.4% to 19.9% on loans and 3.2% on home finance, but early repayment is not free.
Score breakdown
| Area | Creditilia ES | Smava |
|---|---|---|
| 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%. | 9.1 |
| Offer | 8.5 | 9.1HigherAmounts of €1,000 to €120,000, rates of -0.4% to 19.9%, no origination fee of 0 EUR and same day funding. |
| Trust | 8.1 | 8.5Higher |
Feature by feature
| Loan types | Creditilia ES | Smava |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Guarantor | Yes | No |
| Use cases | Creditilia ES | Smava |
|---|---|---|
| Home improvement | Yes | Yes |
Positions in our rankings
| Ranking | Creditilia ES | Smava |
|---|---|---|
| Personal loans | 51 of 1932 | 118 of 1932 |
| Loans for bad credit | 31 of 275 | 63 of 275 |
| Debt consolidation loans | 20 of 425 | 48 of 425 |
| Mortgages | 4 of 719 | 17 of 719 |
| Remortgage deals | 4 of 351 | 14 of 351 |
| Car loans | 13 of 431 | 31 of 431 |
| Business loans | 8 of 435 | 19 of 435 |
| Home improvement loans | 23 of 562 | 56 of 562 |
If neither fits
Absa Ghana Instant Loan has apr at -3% to 20%, against 4% to 289% for Creditilia ES and -0.4% to 19.9% for Smava.
Absa Ghana Instant Loan reviewWhat we checked
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Smava
- smava.de: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Creditilia ES | Smava |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | smava GmbH (HRB 97913, Amtsgericht Charlottenburg) |
| Headquarters | Spain | Germany |
| Founded | Not confirmed | 2007 |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Smava |
|---|---|---|
| Initial rate | 4% | 3.2%Lower |
| APRC | 4.12% | 3.2%Lower |
| Fixed period | 5 years | 10 yearsHigher |
| Maximum loan to value | Not confirmed | 110% |
| Product fee | €0 | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | Smava | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | -0.4% to 19.9%lowest quarter | 8.99 |
| Loan amount | €500 to €50,000above the median | €1,000 to €120,000highest quarter | €40,000 |
| Term | 3 to 96 monthsabove the median | 6 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.
Smava
Pros
- Loan amounts run €1,000 to €120,000 with terms of 6 to 120
- Loan types cover personal, car and debt consolidation in one comparison
- A soft prequalification credit check (soft prequal) means you can check rates before a full application
Cons
- Free early repayment: no, so paying a loan off early carries a cost
- Credit needed is fair, and eligibility also requires a German bank account and regular income
- A marketplace, so the rate you get depends on which partner bank responds and the final offer comes from them
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.
Smava
Who it suits
- Adults in Germany with a current account at a German bank and regular income
- Anyone consolidating debts, funding a car or improving a home who wants to compare offers rather than one lender
- Borrowers who want a fixed rate over 6 to 120 on a personal loan
Who should look elsewhere
- People who want to repay a loan early at no cost
- Borrowers without regular income or a German current account
- Anyone needing a variable-rate loan, since the model is fixed rate
Current offers
Smava
Current offer
Bonus
500 EUR Amazon.de voucher on taking out a loan: 500 EUR Amazon.de voucher
Loan of at least EUR 30,000 concluded via the 'Zum Kreditvergleich mit Gutschein' button only; voucher sent by email after the 14-day withdrawal period has passed; restrictions apply per amazon.de/gc-legal
Source, checked September 26, 2026
Discount code
Cheaper-goes-does-not-exist guarantee: One-off compensation of the difference if a comparable domestic bank offer is cheaper
Applies to loans brokered via smava; amount follows the offers received in the smava credit comparison, stated without hidden conditions
Source, checked September 26, 2026
Country by country
| Country | Creditilia ES | Smava |
|---|---|---|
| Germany | 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%.
Smava
What does Smava charge for setting up a loan?+
There is no origination fee on the personal loan: the arrangement fee is 0 EUR, and the product fee is €0. What you pay instead is interest on the borrowed amount, which is priced at -0.4% to 19.9% for your own profile.
How much can I borrow and over what term?+
Loan amounts run €1,000 to €120,000, and terms run 6 to 120. The rate model is fixed, so the figure you are offered is set at the start and does not drift with market moves.
Other options to compare
Other matchups
- Creditilia ES vs Cathay United Bank
- Creditilia ES vs Oney Préstamos ES
- Creditilia ES vs Sofkredit
- Creditilia ES vs Quick Car Finance
- Creditilia ES vs Andacredito
- Creditilia ES vs 5in5
- Creditilia ES vs Finteres
- Creditilia ES vs Qonto ES
- Creditilia ES vs Me Presta MX
- Creditilia ES vs Lendela
- Creditilia ES vs BriteCap Financial
- Creditilia ES vs Commerzbank
- Creditilia ES vs Postbank
- Creditilia ES vs Novo
- Creditilia ES vs CHECK24
- Creditilia ES vs Nazivnost
- Creditilia ES vs Smartney
- Creditilia ES vs Bizcap
- Creditilia ES vs MoneyHero
- Creditilia ES vs CitiBank AE
- Creditilia ES vs Borrowell