Updated September 29, 2026 · BorrowCue Editorial Team
CreditoZen vs Credityes
CreditoZen vs Credityes: the differences
| Compare |  CreditoZen |  Credityes |
|---|---|---|
| Loan amount | €100 to €2,000 | ₱1,000 to ₱25,000 |
| Term | 3 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 0 PHP |
| Funding time | under 24 business hours | A few minutes after confirmation |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document |
| Loan types | Payday, PersonalCovers more | Personal |
| APR | Not confirmed | 0% to 48% |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Credityes scores higher overall: 8.9 vs 8.8.
- Term is higher at Credityes: 2 to 36 months vs 3 months.
- Loan types: only CreditoZen offers Payday.
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
Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.
Score breakdown
| Area | CreditoZen | Credityes |
|---|---|---|
| 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. | 9.9Higher |
| 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. | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. |
| Trust | 8.3 | 8.3 |
Where each is licensed and available
Additional countries for CreditoZen: 1. Additional countries for Credityes: 1.
Positions in our rankings
| Ranking | CreditoZen | Credityes |
|---|---|---|
| Personal loans | 10 of 1932 | 8 of 1932 |
A third option
Sofkredit has term at 6 to 240 months, against 3 months for CreditoZen and 2 to 36 months for Credityes.
Sofkredit reviewSources behind this comparison
CreditoZen
- creditozen.es: 12 facts, checked September 26, 2026
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | CreditoZen | Credityes |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Ban kos Technology OÜ | SIA DOAFF (reg. No. 40203426084) |
| Headquarters | Estonia | Latvia |
| Support channels | Email, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | CreditoZen | Credityes | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 48%lowest quarter | 8.99 |
| Term | 3 monthslowest quarter | 2 to 36 monthsbelow the median | 60 months |
| Origination fee (%) | 0%below the median | Not confirmed | 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
Pros
- The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
- Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
- Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
Cons
- The APR reaches 0% to 48%, well above the site median of 12% for personal loans
- Debt consolidation and credit lines are not among its loan types, which are personal
- A phone line is not among its support channels, which run email and help centre
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
Who it suits
- Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
- Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
- People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee
Who should look elsewhere
- Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
- Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
- Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%
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
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | CreditoZen | Credityes |
|---|---|---|
| Philippines | No | Yes |
| Spain | Yes | No |
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
What does a Credityes personal loan cost in total?+
Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.
Is Credityes a lender or a broker?+
Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.