Updated September 29, 2026 · BorrowCue Editorial Team
Creditilia vs Quick Car Finance
What sets them apart
| Compare |  Creditilia |  Quick Car Finance |
|---|---|---|
| APR | 0% to 36%Lower | 9.9% to 60% |
| Loan amount | MX$1,000 to MX$150,000 | £3,000 to £50,000 |
| Term | 2 to 3 months | 12 to 60 monthsHigher |
| Arrangement fee | 0 MXN | 0 |
| Credit check | Hard | Soft prequal |
| Funding time | Answer in under 24 hours; some offers in minutes | 1-3 working days |
| Representative example | Personal loan of MXN 1,000 repaid over 67 days: costs $0 pesos, total repayable MXN 1,000, CAT 0% | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| 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) | 18+, UK resident |
| Loan types | Personal, Car, Business, Debt consolidation, SecuredCovers more | Car |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- APR is lower at Creditilia: 0% to 36% vs 9.9% to 60%.
- Term is higher at Quick Car Finance: 12 to 60 months vs 2 to 3 months.
- Loan types: only Creditilia offers Personal, Business, Debt consolidation.
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.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | Creditilia | Quick Car Finance |
|---|---|---|
| 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. | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.3 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 8.1 | 8.6HigherBroker model of broker under licence 764855. |
Choosing between them
Pick Creditilia if cost, apr, and loan types matter most.
Pick Quick Car Finance if offer, trust, and term matter most.
Side by side, item by item
| Loan types | Creditilia | Quick Car Finance |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Secured | Yes | No |
| Car | Yes | Yes |
| Business | Yes | No |
How they place
| Ranking | Creditilia | Quick Car Finance |
|---|---|---|
| Loans for bad credit | 30 of 275 | 3 of 275 |
| Car loans | 12 of 431 | 2 of 431 |
Every fact side by side
| Fact | Creditilia | Quick Car Finance |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | The Way Media LLC | Not confirmed |
| Headquarters | United States | Not confirmed |
Where each stands against the rest
| Fact | Creditilia | Quick Car Finance | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 9.9% to 60%above the median | 8.99 |
| Term | 2 to 3 monthslowest quarter | 12 to 60 monthsat 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.
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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.
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
Country by country
| Country | Creditilia | Quick Car Finance |
|---|---|---|
| Mexico | Yes | No |
| United Kingdom | 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.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.
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