Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia vs Lendela
What sets them apart
| Compare |  Creditilia |  Lendela |
|---|---|---|
| APR | 0% to 36% | up to 48% |
| Loan amount | MX$1,000 to MX$150,000 | SGD 1,000 to SGD 200,000 |
| Term | 2 to 3 months | 3 to 72 monthsHigher |
| Arrangement fee | 0 MXN | SGD 0 |
| Credit check | Hard | None |
| Funding time | Answer in under 24 hours; some offers in minutes | Around 1-2 days from application to disbursement; some within hours |
| Representative example | Personal loan of MXN 1,000 repaid over 67 days: costs $0 pesos, total repayable MXN 1,000, CAT 0% | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Eligibility | Users must be 18 or older; Mexican market (terms governed by the laws in force in the United Mexican States) | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Car, Business, Debt consolidation, Secured | Personal, Debt consolidation, Business, Secured, Student |
| Credit needed | Poor | Fair |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Marketplace), Use cases (Home improvement).
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Key differences
- Creditilia scores higher overall: 8.7 vs 8.5.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 2 to 3 months.
- Features: only Lendela offers Credit line.
- Loan types: only Creditilia offers Car.
- Loan types: only Lendela offers Student.
Our verdict on each
Creditilia
Creditilia suits borrowers in a single market who want a small personal loan settled quickly and can live with a hard credit check. Its origination fee is 0 MXN and its rate runs 0% to 36%, with a representative example quoted at no extra cost. Short terms mean the balance clears fast rather than lingering.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | Creditilia | Lendela |
|---|---|---|
| Cost | 9.7Origination fee of 0 MXN and 0%, rates run 0% to 36%, against a personal loan example that carries no cost at all. | Not confirmed |
| Offer | 8.3 | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.1 | 8.2Higher |
Side by side, item by item
| Loan types | Creditilia | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | Yes | Yes |
| Student | No | Yes |
| Use cases | Creditilia | Lendela |
|---|---|---|
| Home improvement | Yes | Yes |
Ranges side by side
| Fact | Creditilia | Lendela |
|---|---|---|
| APR | 0% to 36% | up to 48% |
| Term | 2 to 3 months | 3 to 72 months |
How they place
| Ranking | Creditilia | Lendela |
|---|---|---|
| Personal loans | 50 of 1932 | 74 of 1932 |
| Loans for bad credit | 30 of 275 | 42 of 275 |
| Debt consolidation loans | 19 of 425 | 26 of 425 |
| Secured loans | 8 of 472 | 12 of 472 |
| Business loans | 7 of 435 | 10 of 435 |
| Home improvement loans | 22 of 562 | 31 of 562 |
Every fact side by side
| Fact | Creditilia | Lendela |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | The Way Media LLC | Lendela Pte. Ltd. |
| Headquarters | United States | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | Creditilia | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creditilia | Lendela | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | up to 48%highest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 3 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditilia
Pros
- The origination fee is 0 MXN and 0%, so nothing is added on top of the quoted rate at the point of arrangement.
- Rates run 0% to 36%, and the representative example shown costs nothing extra, which keeps the total repayable close to the amount borrowed.
- Answer in under 24 hours; some offers in minutes covers the answer, so a decision does not depend on waiting a full working week.
Cons
- A hard credit check on hard means an application leaves a mark that a declined application cannot erase.
- Terms are 2 to 3, which is short enough that the balance is cleared quickly but leaves little room to stretch a larger amount.
- The representative example is drawn from the smallest end of MXN 1,000 to MXN 150,000 over 2 to 3, so the headline cost picture describes the smallest loans on the book rather than a typical one.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
Who each suits
Creditilia
Who it suits
- Adults in a single market whose credit history is poor and who need a small personal loan answered inside Answer in under 24 hours; some offers in minutes.
- Borrowers who want a marketplace rate set by several lenders and a clean, fee-free arrangement on the amount.
- People with a home improvement in mind, which is the stated use for the loan.
Who should look elsewhere
- Anyone who cannot afford a hard credit check on hard, where a soft prequalification would be gentler on the file.
- Borrowers who want a long repayment window, since terms are 2 to 3 and the balance is gone in a short period.
- Applicants who need MXN 1,000 to MXN 150,000 at the top of the range, where the cap sits well below the largest personal loans on the site.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | Creditilia | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Mexico | Yes | No |
| Singapore | No | Yes |
Questions about each
Creditilia
What does a Creditilia personal loan cost to set up?+
The origination fee is 0 MXN and the percentage fee is 0%, so nothing is added on top of the quoted rate when the loan is arranged. Rates run 0% to 36%. The representative example shown quotes a small personal loan with no cost attached, where the total repayable matches the amount borrowed.
Is Creditilia a lender or a marketplace?+
It is a marketplace, which means it puts borrowers in touch with lenders rather than lending the money itself. marketplace is the fact to hold on to, because the rate you are offered, the amount available and the term all come from the lender behind the particular offer.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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