Updated September 28, 2026 · BorrowCue Editorial Team
Creditio vs Youmoney ES
Where Creditio and Youmoney ES differ
| Compare |  Creditio |  Youmoney ES |
|---|---|---|
| APR | 3% to 36% | 0% to 349%Lower |
| Loan amount | €100 to €500,000Higher | €50 to €1,000 |
| Term | 2 to 240 monthsHigher | 0.23 to 36 months |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate decision in minutes; funds come from the lender you connect to | 15 minutes 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% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| 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) | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Debt consolidation, Car, Secured, Student | Personal, Payday, Secured |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Arrangement fee (0 EUR), Rate type (Variable), Lender type (Broker).
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Key differences
- Youmoney ES scores higher overall: 8.9 vs 8.8.
- Creditio is available in 10 more countries.
- APR is lower at Youmoney ES: 0% to 349% vs 3% to 36%.
- Loan amount is higher at Creditio: €100 to €500,000 vs €50 to €1,000.
- Term is higher at Creditio: 2 to 240 months vs 0.23 to 36 months.
- Support channels: only Creditio offers Phone.
- Support channels: only Youmoney ES offers Chat, Help centre.
- Loan types: only Creditio offers Debt consolidation, Car, Student.
- Loan types: only Youmoney ES offers Payday.
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Creditio | Youmoney 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. | 9.9Higher |
| Offer | 8.4 | 8.5HigherBroker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.3 | 8.3 |
Which one suits you
Pick Creditio if loan amount and term matter most.
Pick Youmoney ES if cost and apr matter most.
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditio
23.46 to 324.47
23.46 to 324.47
Youmoney ES
0 to 4,735.53
0 to 4,735.53
Youmoney ES comes out 23.46 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.
Where they rank in our lists
| Ranking | Creditio | Youmoney ES |
|---|---|---|
| Personal loans | 78 of 1932 | 31 of 1932 |
| Secured loans | 13 of 472 | 4 of 472 |
Every fact side by side
| Fact | Creditio | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | WITME ADVERTISING S.L. | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Support channels | Email, Phone | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Creditio | Youmoney ES | Median |
|---|---|---|---|
| APR | 3% to 36%lowest quarter | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €100 to €500,000highest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 2 to 240 monthshighest quarter | 0.23 to 36 monthsbelow 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.
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
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.
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
Current offers
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Creditio | Youmoney 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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.
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