Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Sofkredit
Creditilia ES vs Sofkredit: the differences
| Compare |  Creditilia ES |  Sofkredit |
|---|---|---|
| APR | 4% to 289%Lower | 10.74% to 18.06% |
| Loan amount | €500 to €50,000 | €12,000 to €300,000Higher |
| Term | 3 to 96 months | 6 to 240 monthsHigher |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Hard | Soft prequal |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| 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 | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Lender type | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | 0%Lower | 6% to 9% |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Secured, Debt consolidation, Business |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
Same on both: Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Creditilia ES scores higher overall: 8.7 vs 8.6.
- Sofkredit is available in 2 more countries.
- APR is lower at Creditilia ES: 4% to 289% vs 10.74% to 18.06%.
- Origination fee (%) is lower at Creditilia ES: 0% vs 6% to 9%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €500 to €50,000.
- Term is higher at Sofkredit: 6 to 240 months vs 3 to 96 months.
- Support channels: only Sofkredit offers Phone, Help centre.
- Loan types: only Creditilia ES offers Personal, Payday, Guarantor.
- Loan types: only Sofkredit offers Secured.
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%.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Creditilia ES | Sofkredit |
|---|---|---|
| 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%. | 8.5 |
| Offer | 8.5 | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 8.1 | 8.3Higher |
Licences and countries
| Country | Creditilia ES | Sofkredit |
|---|---|---|
| Italy | Not confirmed | |
| Spain | Not confirmed | Banco de Espana E020 |
Available in 1 country for both. Additional countries for Sofkredit: 2.
Choosing between them
Pick Creditilia ES if cost, apr, and origination fee (%) matter most.
Pick Sofkredit if offer, loan amount, and term matter most.
Feature by feature
| Loan types | Creditilia ES | Sofkredit |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | No |
| Business | Yes | Yes |
| Guarantor | Yes | No |
| Use cases | Creditilia ES | Sofkredit |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Creditilia ES | Sofkredit |
|---|---|---|
| Loans for bad credit | 31 of 275 | 2 of 275 |
| Debt consolidation loans | 20 of 425 | 2 of 425 |
| Mortgages | 4 of 719 | 1 of 719 |
| Remortgage deals | 4 of 351 | 1 of 351 |
| Business loans | 8 of 435 | 1 of 435 |
| Home improvement loans | 23 of 562 | 2 of 562 |
Every fact side by side
| Fact | Creditilia ES | Sofkredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Kova Finance, S.L. |
| Headquarters | Spain | Spain |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Sofkredit |
|---|---|---|
| Initial rate | 4%Lower | 8% to 14% |
| APRC | 4.12%Lower | 10.74% to 18.06% |
| Fixed period | 5 years | 0.5 to 20 yearsHigher |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | €0Lower | €900 to €1,350 |
| Purpose | Purchase, Remortgage | Home equity, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | Sofkredit | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 10.74% to 18.06%above the median | 8.99 |
| Loan amount | €500 to €50,000above the median | €12,000 to €300,000highest quarter | €40,000 |
| Term | 3 to 96 monthsabove the median | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | 6% to 9%highest quarter | 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.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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.
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
Country by country
| Country | Creditilia ES | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| Spain | Yes | 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%.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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