Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia vs Nazivnost
Creditilia vs Nazivnost: the differences
| Compare |  Creditilia |  Nazivnost |
|---|---|---|
| APR | 0% to 36%Lower | 0.037% to 30,341% |
| Loan amount | MX$1,000 to MX$150,000 | CZK 5,000 to CZK 200,000 |
| Term | 2 to 3 months | 2 to 12 monthsHigher |
| Arrangement fee | 0 MXN | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans |
| Funding time | Answer in under 24 hours; some offers in minutes | Within minutes of approval, at latest the next day |
| Representative example | Personal loan of MXN 1,000 repaid over 67 days: costs $0 pesos, total repayable MXN 1,000, CAT 0% | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc |
| Lender type | Marketplace | Direct lender |
| Eligibility | Users must be 18 or older; Mexican market (terms governed by the laws in force in the United Mexican States) | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts |
| Origination fee (%) | 0%Lower | 0.05% |
| Loan types | Personal, Car, Business, Debt consolidation, Secured | Business, Payday |
| Credit needed | Poor | Fair |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Nazivnost scores higher overall: 9.0 vs 8.7.
- APR is lower at Creditilia: 0% to 36% vs 0.037% to 30,341%.
- Origination fee (%) is lower at Creditilia: 0% vs 0.05%.
- Term is higher at Nazivnost: 2 to 12 months vs 2 to 3 months.
- Loan types: only Creditilia offers Personal, Car, Debt consolidation.
- Loan types: only Nazivnost offers Payday.
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.
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
Score breakdown
| Area | Creditilia | Nazivnost |
|---|---|---|
| Cost | 9.7HigherOrigination fee of 0 MXN and 0%, rates run 0% to 36%, against a personal loan example that carries no cost at all. | 9.3Rates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. |
| Offer | 8.3 | 8.7Higher |
| Trust | 8.1 | 8.8Higher |
Pick Creditilia if, pick Nazivnost if
Pick Creditilia if cost, apr, and origination fee (%) matter most.
Pick Nazivnost if offer, trust, and term matter most.
What we checked
Creditilia
- creditilia.mx: 16 facts, checked September 26, 2026
Nazivnost
- nazivnost.cz: 18 facts, checked September 26, 2026
- ares.gov.cz: 2 facts, checked September 26, 2026
How they place
| Ranking | Creditilia | Nazivnost |
|---|---|---|
| Loans for bad credit | 30 of 275 | 57 of 275 |
| Business loans | 7 of 435 | 13 of 435 |
Every fact side by side
| Fact | Creditilia | Nazivnost |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media LLC | CreditKasa s.r.o. (IČO 048 23 541) |
| Headquarters | United States | Czechia |
| Founded | Not confirmed | 2016 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Creditilia | Nazivnost | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0.037% to 30,341%lowest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 0.05%below the median | 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.
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
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.
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
Country by country
| Country | Creditilia | Nazivnost |
|---|---|---|
| Czechia | No | Yes |
| Mexico | Yes | No |
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.
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.
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