Creditio review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Creditio suits Spanish adults who want a broker to find them a lender quickly and who value a 0 EUR arrangement fee over a fixed rate. The wide rate range means the quote you receive matters more here than the headline does.

Key facts

Best for
Spanish adults after a quick broker match, with a 0 EUR arrangement fee.
APR
3% to 36% (Source, checked September 26, 2026)
Loan amount
€100 to €500,000 (Source, checked September 26, 2026)
Term
2 to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Immediate decision in minutes; funds come from the lender you connect to (Source, checked September 26, 2026)
Representative example
Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Users must be over 18; site targets residents of Spain plus the country sites listed in the menu (MX, CO, IT, PT, BR, RO, ZA, PL, DE, PH) (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Secured, Student (Source, checked September 26, 2026)
Legal entity
WITME ADVERTISING S.L. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Same-day funding
Official website
creditio.es

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • The arrangement fee is 0 EUR on the personal loan in the representative example, so nothing is added on top of the interest.
  • The low end of 3% to 36% sits below Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%.
  • The credit check is a soft prequalification, soft prequal, where 72.7% of the brands compared use a hard check.
  • The decision comes back in minutes, and the same application covers amounts up to €100 to €500,000 across personal, debt consolidation, car, secured and student borrowing.
  • Support runs on email and phone, so a payout that stalls can be chased by phone.

Cons

  • The rate type is variable, so 3% to 36% is a range you are quoted into rather than a price fixed for the whole term.
  • Creditio is a broker, so it never lends to you: the money and the contract both belong to the lender you are connected to, and that lender sets the final terms.
  • Terms run 2 to 240, well short of the 480 seen across the brands compared, so a large balance has to be repaid quickly.
  • A revolving credit line is not among its features (same day funding), which lists same-day funding only, so borrowers who want to draw money in stages will not find one here.
Creditio

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults in Spain, and residents of the other country markets named in the eligibility notice, who would rather a broker did the searching.
  • Borrowers whose main worry is the arrangement charge, since the fee is 0 EUR on the personal loan example.
  • People who need an answer the same day, since the decision comes back in minutes.

Who should look elsewhere

  • Borrowers chasing the very lowest headline rate, since Cashspace ES quotes 0%.
  • Anyone unwilling to be matched to a different lender, because Creditio is a broker and both the money and the contract sit with the lender you are connected to.
  • Readers comparing on a typical rate, since the median advertised rate across the brands compared is 12% while Creditio's own 3% to 36% range is far wider.

Rates and costs

Creditio is strong on the charge and wide on the rate. The arrangement fee is 0 EUR, so nothing sits on top of the interest for the personal loan shown in the representative example. That example is repaid with no cost at all, which is why its rate reads lower than the advertised range of 3% to 36%. Read the two together: the fee is genuinely thin, but the range spreads far enough that applicants on the same site can end up paying very different amounts. Readers shopping on total cost should plan around the range and ask for a written figure, because the example marks the cheapest end of the spectrum rather than the expected one.

Safety and regulation

Safety here comes down to a structural point: Creditio is a broker, so it does not lend to you. The funds come from the lender you are connected to, and so does the contract, the rate you are finally quoted and the party you repay. That has a clear reading for anyone weighing where their cash sits and who stands behind the terms. The personal loan in the representative example carries no cost, so the broker is not adding to the balance or to the repayment. A careful reader treats the matched lender, not the site, as the party to vet, and reads that lender's own protection terms before signing, because those are the terms that would govern a dispute.

Applying and getting the money

Speed is the part of the offer that stands out. The decision comes back in minutes, so an application started today is not waiting days for an answer. The size on offer runs €100 to €500,000, which reaches from a small emergency sum to a large secured balance, and the term runs 2 to 240, so there is room to spread a modest loan over a long window or clear a bigger one faster. The catch sits in the payout: the money comes from the lender you are connected to, so once a match is made the settlement time belongs to that lender rather than to the site.

Who runs it

The site is operated by WITME ADVERTISING S.L., the legal entity named on its notice, and it is based in Spain, which is also the market it targets first. Support runs on email and phone, so help is available by email or phone, and for a broker that matters: the lender you are matched with is the party that has to send the money, so a phone line is the quickest route through a stalled payout. Anyone arriving from another country should confirm the local version of the site covers their address before starting, since the lenders behind the broker change by market.

How Creditio compares

Where Creditio is available

Available
Brazil, Colombia, Germany, Italy, Mexico, Philippines, Poland, Portugal, Romania, South Africa, Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to arrange a loan through Creditio?+

The arrangement fee is 0 EUR, and the personal loan in the representative example is repaid at no cost at all. The interest rate is the figure that matters, and the example shows a rate below the advertised range of 3% to 36%. Read the two together: the charge is thin, but the range is wide enough that matches will differ, so ask for a written quote before you commit.

What rate will I be offered?+

The advertised range runs 3% to 36% and the rate type is variable, so the rate can move over the life of the loan. For reference, the median advertised rate across the brands compared here is 12%, and Monzo Flex runs 10% to 23%. Ask for the figure in writing, because a rate quoted today is not the rate you repay at later on.

Who holds my loan and who do I repay?+

Creditio is a broker, not a lender, so the contract and the money both come from the lender you are connected to. Any protection cover, any dispute and any early repayment arrangement sit with that lender rather than with the site you started from. That means the terms shown after a match are the terms that count, and they can differ from the headline range.

How much can I borrow and over what term?+

Loan sizes run €100 to €500,000, covering a small short-term need through to a large secured balance, and terms run 2 to 240. The types available are personal, debt consolidation, car, secured and student. If you need a long repayment window, check the top of the term range closely, because the short end of it is an uncomfortable place to sit with a large balance.

How quickly is the money available?+

The decision comes back in minutes and same-day funding is listed as a feature, so the application stage is short. The payout itself comes from the lender you are connected to, so once a match is made the timing is that lender's to set. Treat the fast answer as a decision speed rather than a promise about when cash reaches your account.

What credit check will I go through?+

The credit check is a soft prequalification, soft prequal, which is the gentler of the check types and is meant to indicate whether a lender is likely to say yes before anything is committed. It is not a full search. A match still means the lender sets its own criteria, and the lender you are connected to runs the decision that counts.

Who can apply from Creditio?+

Applicants must be adults, and the service targets residents of Spain plus the country sites listed in the eligibility notice, among them Italy, Portugal, Brazil, Romania, South Africa, Poland, Germany and the Philippines. If you sit outside those markets, check the country version of the site before you start, because the lenders behind the broker change by market.

Who runs Creditio and how do I contact them?+

The site is operated by WITME ADVERTISING S.L., based in Spain, and support runs on email and phone. In practice that means email or phone rather than a branch, and a broker contact helps when the lender you are matched with is the one you need to chase about a payout that has not arrived.

Sources

  • creditio.es checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

  • creditio.es/aviso-legal checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity, Support channels

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Creditio

Creditio

Spanish adults after a quick broker match, with a 0 EUR arrangement fee.

8.8/10Visit

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