Updated September 29, 2026 · BorrowCue Editorial Team
Creditio vs Creduma ES
Creditio vs Creduma ES: the differences
| Compare |  Creditio |  Creduma ES |
|---|---|---|
| Loan amount | €100 to €500,000 | from €12,000 |
| Arrangement fee | 0 EUR | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Funding time | Immediate decision in minutes; funds come from the lender you connect to | Offer in under 24 hours; money in the account in 7 days after signing |
| 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) | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Loan types | Personal, Debt consolidation, Car, Secured, StudentCovers more | Secured, Debt consolidation |
| APR | 3% to 36% | Not confirmed |
| Term | 2 to 240 months | Not confirmed |
| Representative example | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Soft prequal), Lender type (Broker).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Creditio scores higher overall: 8.8 vs 8.7.
- Creditio is available in 10 more countries.
- Loan types: only Creditio offers Personal, Car, Student.
Our verdict on each
Creditio
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.
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
Score breakdown
| Area | Creditio | Creduma ES |
|---|---|---|
| Cost | 9.6Costs rest on the 0 EUR arrangement fee and the no-cost personal loan example, while 3% to 36% stretches to a high ceiling. | Not confirmed |
| Offer | 8.4 | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity |
| Trust | 8.3 | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES |
Where they rank in our lists
| Ranking | Creditio | Creduma ES |
|---|---|---|
| Debt consolidation loans | 28 of 425 | 13 of 425 |
| Secured loans | 13 of 472 | 6 of 472 |
Availability and regulation
Available in 1 country for both. Additional countries for Creditio: 10.
Ranges side by side
| Fact | Creditio | Creduma ES |
|---|---|---|
| Loan amount | €100 to €500,000 | from €12,000 |
What we checked
Creditio
- creditio.es: 16 facts, checked September 26, 2026
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | Creditio | Creduma ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | WITME ADVERTISING S.L. | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Email, Phone | Not confirmed |
Mortgages
| Fact | Creditio | Creduma ES |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Remortgage, Home equity |
Where each stands against the rest
| Fact | Creditio | Creduma ES | Median |
|---|---|---|---|
| APR | 3% to 36%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €100 to €500,000highest quarter | from €12,000below the median | €40,000 |
| Term | 2 to 240 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditio
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.
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.
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
Who each suits
Creditio
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.
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
Current offers
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Creditio | Creduma ES |
|---|---|---|
| Brazil | Yes | No |
| Colombia | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Mexico | Yes | No |
| Philippines | Yes | No |
| Poland | Yes | No |
| Portugal | Yes | No |
8 of 11 countries where either is available.
Questions about each
Creditio
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.
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
Other options to compare
Other matchups
- Creditio vs Arab Islamic Bank
- Creduma ES vs First National Bank of Omaha
- Creduma ES vs Wells Fargo
- Creduma ES vs AffinityPlus Credit Union
- Creduma ES vs Banco General
- Creduma ES vs ING Germany
- Creduma ES vs AIB
- Creduma ES vs National Bank of Malawi Mo626 Digital+
- Creduma ES vs VCB Bank
- Creduma ES vs Cathay United Bank
- Creditio vs Oney Préstamos ES
- Creditio vs Sofkredit
- Creduma ES vs Prestamiau ES
- Creduma ES vs Pezetita
- Creduma ES vs Fidea
- Creditio vs Fiesta Credito MX
- Creditio vs Lendela
- Creditio vs Alt Lending
- Creduma ES vs Commerzbank
- Creditio vs Consumers Credit Union
- Creduma ES vs Postbank
- Creditio vs Upgrade
- Creduma ES vs CHECK24
- Creduma ES vs MoneyHero
- Creditio vs LEND.ch
- Creduma ES vs CitiBank AE
- Creduma ES vs Borrowell
- Creditio vs Cool Credit
- Creditio vs Moneyveo VN