Updated September 29, 2026 · BorrowCue Editorial Team
Creditilia vs Qonto ES
Creditilia vs Qonto ES: the differences
| Compare |  Creditilia |  Qonto ES |
|---|---|---|
| APR | 0% to 36%Lower | 19.5% |
| Loan amount | MX$1,000 to MX$150,000 | €750 to €1,000,000 |
| Term | 2 to 3 months | 1 to 12 monthsHigher |
| Funding time | Answer in under 24 hours; some offers in minutes | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Marketplace | Broker |
| Eligibility | Users must be 18 or older; Mexican market (terms governed by the laws in force in the United Mexican States) | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Loan types | Personal, Car, Business, Debt consolidation, Secured | Business, Credit line |
| Credit needed | Poor | Good |
| Arrangement fee | 0 MXN | Not confirmed |
| Representative example | Personal loan of MXN 1,000 repaid over 67 days: costs $0 pesos, total repayable MXN 1,000, CAT 0% | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Creditilia scores higher overall: 8.7 vs 8.6.
- Qonto ES is available in 29 more countries.
- APR is lower at Creditilia: 0% to 36% vs 19.5%.
- Term is higher at Qonto ES: 1 to 12 months vs 2 to 3 months.
- Features: only Creditilia offers Same day funding.
- Features: only Qonto ES offers Credit line.
- Loan types: only Creditilia offers Personal, Car, Debt consolidation.
- Loan types: only Qonto ES offers Credit line.
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.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | Creditilia | Qonto ES |
|---|---|---|
| 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. | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 8.3 | 9.0Higher |
| Trust | 8.1 | 8.3Higher |
Licences and countries
| Country | Creditilia | Qonto ES |
|---|---|---|
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Spain | Not confirmed | Banco de Espana 16958 |
Additional countries for Creditilia: 1. Additional countries for Qonto ES: 30.
Ranges side by side
| Fact | Creditilia | Qonto ES |
|---|---|---|
| Term | 2 to 3 months | 1 to 12 months |
How they place
| Ranking | Creditilia | Qonto ES |
|---|---|---|
| Business loans | 7 of 435 | 5 of 435 |
Every fact side by side
| Fact | Creditilia | Qonto ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | The Way Media LLC | QONTO |
| Headquarters | United States | France |
| Support channels | Not confirmed | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | Creditilia | Qonto ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 19.5%highest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 1 to 12 monthslowest quarter | 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.
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
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.
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
Current offers
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | Creditilia | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 countries where either is available.
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.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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