Updated September 29, 2026 · BorrowCue Editorial Team
CreditoZen vs Credityes ES
What sets them apart
| Compare |  CreditoZen |  Credityes ES |
|---|---|---|
| Loan amount | €100 to €2,000 | €100 to €5,000Higher |
| Term | 3 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 0 EUR (free for the customer; the service charges no commission for selecting the loan) |
| Funding time | under 24 business hours | Money in a few minutes after a positive decision |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name |
| APR | Not confirmed | 0% to 36% |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker), Origination fee (%) (0%), Loan types (Payday, Personal).
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Key differences
- Loan amount is higher at Credityes ES: €100 to €5,000 vs €100 to €2,000.
- Term is higher at Credityes ES: 2 to 36 months vs 3 months.
- Support channels: only CreditoZen offers Help centre.
Our verdict on each
CreditoZen
CreditoZen suits adults in Spain who need a small short-term loan, with a term of 3 and funding under 24 business hours. The catch is the ceiling: €100 to €2,000 covers a single small expense, so anyone borrowing for a bigger cost should look at Cashspace ES or Monzo Flex instead.
Credityes ES
Credityes ES suits borrowers in Spain who want a personal or payday loan with no arrangement fee and money in minutes of a decision, with rates of 0% to 36% set by the match. The trade-off is a modest ceiling of €100 to €5,000 and a broker model, so the lender sets the final rate.
Score breakdown
| Area | CreditoZen | Credityes ES |
|---|---|---|
| Cost | 9.5The origination fee is 0 EUR (no hidden fees) over a 3 term, so a loan of this size costs little to carry. | 9.7HigherArrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. |
| Offer | 8.5HigherThe range is the weak point: €100 to €2,000 covers a single small market, and payday and personal offers two loan types only. | 8.3 |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | CreditoZen | Credityes ES |
|---|---|---|
| Loan amount | €100 to €2,000 | €100 to €5,000 |
A third option
Sofkredit has term at 6 to 240 months, against 3 months for CreditoZen and 2 to 36 months for Credityes ES.
Sofkredit reviewHow they place
| Ranking | CreditoZen | Credityes ES |
|---|---|---|
| Personal loans | 10 of 1932 | 9 of 1932 |
| Payday and short-term loans | 2 of 246 | 1 of 246 |
Every fact side by side
| Fact | CreditoZen | Credityes ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Ban kos Technology OÜ | SIA DoAff |
| Headquarters | Estonia | Latvia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | CreditoZen | Credityes ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €2,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 3 monthslowest quarter | 2 to 36 monthsbelow the median | 60 months |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
CreditoZen
Pros
- The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so nothing is added to the sum you borrow.
- Money lands in under 24 business hours, quick enough for a bill that falls due this week.
- The term is 3, so the borrowing episode stays short and the interest charge stays small.
Cons
- €100 to €2,000 is a low ceiling for anything larger; Cashspace ES offers €100 to €5,000 and Monzo Flex £10,000 to £35,000 for bigger sums.
- The credit check is a hard one, so a refused application is visible to other lenders.
- Support runs on email and help centre only, so there is no phone line for a payment that is about to be taken.
Credityes ES
Pros
- The arrangement fee is free for the customer, because no commission is charged for selecting the loan, so nothing is added for putting it together.
- Rates of 0% to 36% start lower than Monzo Flex, which publishes a band of 10% to 23%.
- The representative example shows the total repayable equal to the amount borrowed, so the cheapest match costs nothing to carry.
Cons
- As a broker, Credityes ES leaves the final rate to the partner lender, so the published 0% to 36% is a starting point rather than an offer.
- Borrowing tops out at €100 to €5,000, well below the largest personal loan recorded on the site, €653,159.33.
- Support runs on email only, so a payment problem waits on a written reply instead of a phone line.
Who each suits
CreditoZen
Who it suits
- Adults living in Spain with a valid DNI or NIE and a Spanish bank account, who can clear €100 to €2,000 within 3.
- Borrowers who want 0 EUR (no hidden fees) as the only cost and who are comfortable with a hard credit check.
- People who need a small sum quickly; Monzo Flex is the alternative for a far larger facility at £10,000 to £35,000.
Who should look elsewhere
- Anyone borrowing for a renovation or a car, since €100 to €2,000 will not stretch that far and Cashspace ES offers €100 to €5,000.
- Applicants living outside Spain or without a Spanish bank account, since eligibility is limited to adults resident in Spain.
- Anyone who wants to talk to someone: support runs on email and help centre, with no phone line listed.
Credityes ES
Who it suits
- Borrowers living in Spain who need a personal or payday loan and want nothing added for the arrangement, provided they hold a bank account in their own name.
- Anyone covering a home improvement, since home improvement is listed among the uses.
- Cost-first readers who look at the total repayable before anything else, because the representative example shows nothing added to the amount borrowed.
Who should look elsewhere
- Not for a major renovation, where the ceiling of €100 to €5,000 falls well short of the largest personal loans on the site, €653,159.33, so a larger lender such as Monzo Flex is the fairer place to look.
- Not for a long repayment, because terms of 2 to 36 end well before the longest personal loans in the ranking, 480, so a longer provider is worth comparing first.
- Not for shoppers who want several rate bands side by side, since Cashspace sets out PHP 12 to PHP 36 while this service publishes a single range of 0% to 36%.
Current offers
CreditoZen
Current offer
Bonus
Préstamo rápido al 0% de interés: 0% interest, loans up to EUR 2000
Approval and final terms depend on the selected lender
Source, checked September 26, 2026
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | CreditoZen | Credityes ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
CreditoZen
Is there a fee for taking out a loan with CreditoZen?+
No arrangement fee applies. The origination fee is 0 EUR (no hidden fees), and the percentage fee on the sum is 0%, so the amount approved is the amount that lands in your account. On a loan of €100 to €2,000 over 3 that keeps the cost of borrowing low next to lenders that add a charge for setting the loan up.
How much can I borrow, and over what term?+
CreditoZen lends €100 to €2,000, and the term is 3. That pair suits an unplanned bill: the balance is small enough to clear in a short repayment period, and the shorter the period, the less interest builds up. It is not the shape of loan for a large project, where a longer term would bring the instalment down.
Credityes ES
Is there an arrangement fee or commission at Credityes ES?+
No. The arrangement fee is free for the customer, because the service charges no commission for selecting the loan, and the origination charge of 0% does not add to what you repay. What you see on an offer is interest set by the partner lender inside the published band of 0% to 36%.
What rate will I actually pay?+
The service publishes rates of 0% to 36% for personal and payday borrowing, and as a broker it sets a band rather than a single figure. The rate on your offer comes from the partner lender you are matched with. The representative example shows the cheapest end of that range, where the total repayable equals the amount borrowed.