Updated September 28, 2026 · BorrowCue Editorial Team
Creditio vs Ibancar Prestamos
Where Creditio and Ibancar Prestamos differ
| Compare |  Creditio |  Ibancar Prestamos |
|---|---|---|
| APR | 3% to 36%Lower | 12.74% to 13.01% |
| Loan amount | €100 to €500,000Higher | €600 to €8,000 |
| Term | 2 to 240 monthsHigher | 12 to 60 months |
| Funding time | Immediate decision in minutes; funds come from the lender you connect to | Same day, up to 24 hours |
| Representative example | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Rate type | Variable | Fixed |
| Lender type | Broker | Direct lender |
| 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) | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal, Debt consolidation, Car, Secured, StudentCovers more | Personal, Car, Secured |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.8.
- Creditio is available in 10 more countries.
- APR is lower at Creditio: 3% to 36% vs 12.74% to 13.01%.
- Loan amount is higher at Creditio: €100 to €500,000 vs €600 to €8,000.
- Term is higher at Creditio: 2 to 240 months vs 12 to 60 months.
- Support channels: only Ibancar Prestamos offers Help centre.
- Loan types: only Creditio offers Debt consolidation, 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.
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
Score breakdown
| Area | Creditio | Ibancar Prestamos |
|---|---|---|
| Cost | 9.6HigherCosts rest on the 0 EUR arrangement fee and the no-cost personal loan example, while 3% to 36% stretches to a high ceiling. | 8.7 |
| Offer | 8.4 | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. |
| Trust | 8.3 | 9.2Higher |
From lowest to highest
| Fact | Creditio | Ibancar Prestamos |
|---|---|---|
| APR | 3% to 36% | 12.74% to 13.01% |
| Loan amount | €100 to €500,000 | €600 to €8,000 |
| Term | 2 to 240 months | 12 to 60 months |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditio
234.62 to 3,244.68
234.62 to 3,244.68
Ibancar Prestamos
1,042.39 to 1,065.78
1,042.39 to 1,065.78
Creditio comes out 807.77 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Creditio | Ibancar Prestamos |
|---|---|---|
| Personal loans | 78 of 1932 | 15 of 1932 |
| Secured loans | 13 of 472 | 2 of 472 |
| Car loans | 19 of 431 | 4 of 431 |
Every fact side by side
| Fact | Creditio | Ibancar Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | WITME ADVERTISING S.L. | Ibancar World SL |
| Headquarters | Spain | Spain |
| Support channels | Email, Phone | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Creditio | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 3% to 36%lowest quarter | 12.74% to 13.01%above the median | 8.99 |
| Loan amount | €100 to €500,000highest quarter | €600 to €8,000below the median | €40,000 |
| Term | 2 to 240 monthshighest 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
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.
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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.
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender instead
Country by country
| Country | Creditio | Ibancar Prestamos |
|---|---|---|
| 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.
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
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