Credityes ES review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

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.

Key facts

Best for
Fee-free Spanish personal and payday loans that land in minutes.
APR
0% to 36% (Source, checked September 26, 2026)
Loan amount
€100 to €5,000 (Source, checked September 26, 2026)
Term
2 to 36 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (free for the customer; the service charges no commission for selecting the loan) (Source, checked September 26, 2026)
Funding time
Money in a few minutes after a positive decision (Source, checked September 26, 2026)
Representative example
Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
SIA DoAff (Source, checked September 26, 2026)
Headquarters
Latvia (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
credityes.es

Pros and cons

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.
  • Money in a few minutes after a positive decision once a decision is positive, so a bill that cannot wait can be covered.
  • Personal and payday borrowing sit under the same application, covering home improvement projects as well as a short-term gap.

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.
  • The upper end of 0% to 36% sits well above the personal loan median across the site, 12.25%.
Credityes ES

Ready to try Credityes ES?

Scored 8.8 / 10 by BorrowCue.

Visit

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%.

Safety and regulation

Credityes ES is a broker, so it introduces you to a partner lender rather than carrying the balance on its own book, and the rate you are finally given belongs to that lender. That shapes what to check before signing: who holds the account, who charges the interest and who you complain to. The representative example is the most useful number on the page. A loan is drawn and repaid over a short period, and the total repayable matches the amount lent, with no cost added and no effective annual rate on that example. Read it as a worked case rather than a promise, because a range of 0% to 36% sits above it whenever a partner prices interest. The service's own contribution to cost is the free arrangement, and the licence details and any protection on the money come with the partner lender's offer.

Rates and costs

Interest runs 0% to 36% across personal and payday borrowing, and the service adds nothing to that. The arrangement fee is free for the customer, because no commission is charged for selecting the loan, and the origination charge of 0% does not raise what you repay. The representative example is the clearest figure: a loan repaid with the total repayable equal to the amount borrowed, and an effective annual rate on that example of nothing. Treat that as the cheapest case inside the band rather than the standard, because a partner lender can price anywhere within 0% to 36%. The practical summary is that the fee side is unusually plain: no arrangement charge, no origination charge, and the only figure that moves is the interest rate you are quoted.

Applying and getting the money

You apply, a decision comes back, and the timing is simple: Money in a few minutes after a positive decision. The service lists same day funding, which matches that pace, and the money goes to the bank account in your own name. Size and length are modest: €100 to €5,000 over terms of 2 to 36. That shape suits a repair, a bill that cannot wait, or home improvement work priced at the smaller end, and it does not suit a major renovation where a bigger pot over a longer stretch is the point. Because the decision comes before the transfer, there is no disbursement date to wait for. If another lender offers a larger amount, a longer term or a narrower band, that is the comparison to weigh against the 0% to 36% published here.

Who runs it

The contract is with SIA DoAff, based in Latvia, so the paperwork names a Latvian entity rather than a Spanish brand. Support is the thinnest part of the setup: help runs on email only, so a question about a payment, a rate or a repayment date has to be written and waits for the reply. That is workable for a small loan taken once and settled, and less comfortable for anything ongoing. Before applying, it is worth confirming which entity appears on the agreement and where a complaint would go, because a written reply through the only channel described is the whole support route here.

How Credityes ES compares

Where Credityes ES is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Is Credityes ES a lender or a broker?+

It is a broker, so it introduces you to a partner rather than lending from its own balance sheet. The contract names SIA DoAff in Latvia, and the loan itself sits with the lender you are matched with. That is why the rate and the term on an offer can differ from the band published here.

How fast is the money in my account?+

Quick. The stated timing is simple: Money in a few minutes after a positive decision, into the bank account in your own name. Same-day funding is the pattern here, so it suits a bill that cannot wait. The catch is size and length: €100 to €5,000 and 2 to 36 keep the arrangement small.

How much can I borrow, and for how long?+

The published range is €100 to €5,000, repaid over 2 to 36. The upper reach of that range is modest, so this suits a repair, a bill or a short gap rather than a major project. Home improvement is listed as a use case, home improvement, and on loan amount the service ranks 527 of 685 brands.

Who can apply for a loan here?+

Applicants must live in Spain and meet a minimum age, and they need an email address, a mobile number and a bank account in their own name. Both personal and payday run through the same application, so a short-term payday need and a longer personal loan start from the same form. The account rule is worth checking early, since payouts go to the account in your own name.

How do I get help with a payment or a rate question?+

By email, and only by email: support runs on email. That covers a straightforward question about an application or a rate quote, and it also means a payment problem waits for a written reply. For a loan you expect to run for the length of 2 to 36, that single channel is the main thing to weigh against other lenders.

What does the total cost look like on a real example?+

The representative example is the clearest guide. A loan is drawn and repaid over a short period with the total repayable equal to the amount borrowed, so nothing is added on the quoted terms, and the effective annual rate on it is free. Interest is charged when a partner lender prices a loan above that, within the band of 0% to 36%.

Who holds the loan and what protects the money?+

The service is a broker run by SIA DoAff in Latvia. Because a partner lender holds the loan, that lender's terms set the rate, the repayment date and any protection on the money, so read what arrives with the offer before signing. The service's own contribution to cost is the free arrangement and the origination charge of 0%.

Sources

  • credityes.es checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Arrangement fee, Origination fee (%), Representative example, Term, Use cases

    “Prestamo a corto plazo ... Prestamo a largo plazo ... Prestamo bancario ... Prestamo automotriz”

  • credityes.es/contactanos checked September 26, 2026

    Backs: Support channels

    “info@credityes.es”

  • credityes.es/terminos-y-condiciones checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credityes ES

Credityes ES

Fee-free Spanish personal and payday loans that land in minutes.

8.8/10Visit

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings