Updated September 28, 2026 · BorrowCue Editorial Team
Creditio vs Lendela
Where Creditio and Lendela differ
| Compare |  Creditio |  Lendela |
|---|---|---|
| APR | 3% to 36% | up to 48% |
| Loan amount | €100 to €500,000 | SGD 1,000 to SGD 200,000 |
| Term | 2 to 240 monthsHigher | 3 to 72 months |
| Arrangement fee | 0 EUR | SGD 0 |
| Credit check | Soft prequal | None |
| Funding time | Immediate decision in minutes; funds come from the lender you connect to | Around 1-2 days from application to disbursement; some within hours |
| Representative example | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Lender type | Broker | Marketplace |
| 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) | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Debt consolidation, Car, Secured, Student | Personal, Debt consolidation, Business, Secured, Student |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Creditio scores higher overall: 8.8 vs 8.5.
- Creditio is available in 9 more countries.
- Term is higher at Creditio: 2 to 240 months vs 3 to 72 months.
- Support channels: only Lendela offers Help centre.
- Features: only Lendela offers Credit line.
- Loan types: only Creditio offers Car.
- Loan types: only Lendela offers Business.
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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | Creditio | Lendela |
|---|---|---|
| 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 | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.3Higher | 8.2 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditio
469.24 to 6,489.37
469.24 to 6,489.37
Lendela
up to 9,039.28
up to 9,039.28
The stated ranges do not establish a winner.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What each covers
| Loan types | Creditio | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | No | Yes |
| Student | Yes | Yes |
Also worth a look
CreditPlus UA has term at 345 to 365 months, against 2 to 240 months for Creditio and 3 to 72 months for Lendela.
CreditPlus UA reviewSources behind this comparison
Creditio
- creditio.es: 16 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Creditio | Lendela |
|---|---|---|
| Personal loans | 78 of 1932 | 74 of 1932 |
| Debt consolidation loans | 28 of 425 | 26 of 425 |
| Secured loans | 13 of 472 | 12 of 472 |
| Private student loans | 7 of 167 | 6 of 167 |
Every fact side by side
| Fact | Creditio | Lendela |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | WITME ADVERTISING S.L. | Lendela Pte. Ltd. |
| Headquarters | Spain | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Creditio | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creditio | Lendela | Median |
|---|---|---|---|
| APR | 3% to 36%lowest quarter | up to 48%highest quarter | 8.99 |
| Term | 2 to 240 monthshighest quarter | 3 to 72 monthsabove 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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | Creditio | Lendela |
|---|---|---|
| Brazil | Yes | No |
| Colombia | Yes | No |
| Germany | Yes | No |
| Hong Kong | No | Yes |
| Italy | Yes | No |
| Mexico | Yes | No |
| Philippines | Yes | No |
| Poland | Yes | No |
8 of 13 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
Other options to compare
Other matchups
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- Lendela vs Cathay United Bank
- Creditio vs Oney Préstamos ES
- Creditio vs Sofkredit
- Creditio vs Andacredito
- Lendela vs 5in5
- Lendela vs Multitude Bank p.l.c
- Lendela vs Qonto ES
- Creditio vs Fiesta Credito MX
- Lendela vs Solcredito
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- Creditio vs Alt Lending
- Lendela vs BriteCap Financial
- Lendela vs Commerzbank
- Creditio vs Consumers Credit Union
- Lendela vs Kredivo
- Lendela vs Moneyveo UA
- Lendela vs TF Bank
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- Lendela vs Smartney
- Lendela vs MoneyHero
- Creditio vs LEND.ch
- Lendela vs CitiBank AE
- Lendela vs Borrowell
- Creditio vs Cool Credit
- Creditio vs Moneyveo VN