Updated September 28, 2026 · BorrowCue Editorial Team
Creditio vs Sofkredit
What sets them apart
| Compare |  Creditio |  Sofkredit |
|---|---|---|
| APR | 3% to 36%Lower | 10.74% to 18.06% |
| Loan amount | €100 to €500,000Higher | €12,000 to €300,000 |
| Term | 2 to 240 months | 6 to 240 months |
| Arrangement fee | 0 EUR | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Funding time | Immediate decision in minutes; funds come from the lender you connect to | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| 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) | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | 0%Lower | 6% to 9% |
| Loan types | Personal, Debt consolidation, Car, Secured, Student | Secured, Debt consolidation, Business |
| Rate type | Variable | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Soft prequal), Lender type (Broker).
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Key differences
- Creditio scores higher overall: 8.8 vs 8.6.
- Creditio is available in 8 more countries.
- APR is lower at Creditio: 3% to 36% vs 10.74% to 18.06%.
- Origination fee (%) is lower at Creditio: 0% vs 6% to 9%.
- Loan amount is higher at Creditio: €100 to €500,000 vs €12,000 to €300,000.
- Support channels: only Sofkredit offers Help centre.
- Loan types: only Creditio offers Personal, Car, Student.
- Loan types: only Sofkredit 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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Creditio | Sofkredit |
|---|---|---|
| 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. | 8.5 |
| Offer | 8.4 | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 8.3 | 8.3 |
How they place
| Ranking | Creditio | Sofkredit |
|---|---|---|
| Debt consolidation loans | 28 of 425 | 2 of 425 |
| Secured loans | 13 of 472 | 1 of 472 |
Every fact side by side
| Fact | Creditio | Sofkredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | WITME ADVERTISING S.L. | Kova Finance, S.L. |
| Headquarters | Spain | Spain |
| Support channels | Email, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Creditio | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Creditio | Sofkredit | Median |
|---|---|---|---|
| APR | 3% to 36%lowest quarter | 10.74% to 18.06%above the median | 8.99 |
| Loan amount | €100 to €500,000highest quarter | €12,000 to €300,000highest quarter | €40,000 |
| Term | 2 to 240 monthshighest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | 6% to 9%highest quarter | 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.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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.
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
Country by country
| Country | Creditio | Sofkredit |
|---|---|---|
| Brazil | Yes | No |
| Colombia | Yes | No |
| France | No | Yes |
| Germany | Yes | No |
| Mexico | Yes | No |
| Philippines | Yes | No |
| Poland | Yes | No |
| Portugal | Yes | No |
8 of 12 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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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