Updated September 28, 2026 · BorrowCue Editorial Team
Credityes ES vs Fiesta Credito
What sets them apart
| Compare |  Credityes ES |  Fiesta Credito |
|---|---|---|
| APR | 0% to 36% | 0% to 317% |
| Term | 2 to 36 monthsHigher | 2 to 3 months |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 0 EUR |
| Funding time | Money in a few minutes after a positive decision | Under 15 minutes |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | EUR 300 over 66 days: loan cost EUR 45.26, total repayable EUR 345.25, TAE 203.72% |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Aged 18 to 80, legal resident in Spain, Spanish bank account with IBAN, valid DNI or NIE, Spanish mobile number |
| Credit check | Not confirmed | Soft prequal |
| Credit needed | Not confirmed | Poor |
Same on both: Loan amount (€100 to €5,000), Lender type (Broker), Origination fee (%) (0%), Loan types (Personal, Payday), Use cases (Home improvement).
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
- Fiesta Credito scores higher overall: 8.9 vs 8.8.
- Term is higher at Credityes ES: 2 to 36 months vs 2 to 3 months.
- Support channels: only Fiesta Credito offers Phone, Help centre.
Our verdict on each
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.
Fiesta Credito
Fiesta Credito suits adults in Spain who need a modest short-term loan in a hurry and have an imperfect credit file, thanks to a soft prequalification check and funding in Under 15 minutes. The trade-off is cost: the annual rate runs 0% to 317% and the cost score is 7.3.
Score breakdown
| Area | Credityes ES | Fiesta Credito |
|---|---|---|
| Cost | 9.7Arrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. | 9.7The arrangement fee is 0 EUR and the percentage charge is 0%, but the rate is the weight in the balance. |
| Offer | 8.3 | 8.7Higher |
| Trust | 8.3Higher | 8.2 |
Feature by feature
| Loan types | Credityes ES | Fiesta Credito |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Use cases | Credityes ES | Fiesta Credito |
|---|---|---|
| Home improvement | Yes | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 36 months for Credityes ES and 2 to 3 months for Fiesta Credito.
Sofkredit reviewWhere these facts come from
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Fiesta Credito
- fiestacredito.es: 18 facts, checked September 26, 2026
How they place
| Ranking | Credityes ES | Fiesta Credito |
|---|---|---|
| Personal loans | 9 of 1932 | 35 of 1932 |
| Payday and short-term loans | 1 of 246 | 16 of 246 |
| Home improvement loans | 6 of 562 | 14 of 562 |
Every fact side by side
| Fact | Credityes ES | Fiesta Credito |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Finceptiv OU |
| Headquarters | Latvia | Estonia |
| Founded | Not confirmed | 2020 |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Fiesta Credito | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 317%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 2 to 36 monthsbelow the median | 2 to 3 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
Fiesta Credito
Pros
- Speed is the product: same-day funding in Under 15 minutes suits a bill that cannot wait.
- The check is a soft prequalification (soft prequal), a gentler first look than a hard enquiry, and the target is poor credit files.
- The sums are contained, €100 to €5,000, so the exposure if the month goes wrong is smaller than on a large personal loan.
Cons
- The annual rate is the price of that speed, and 0% to 317% sits well above the 12% figure typical of lenders listed here.
- The term is 2 to 3, so the balance returns faster than most personal loans and there is little room to stretch a payment.
- It is a broker rather than the lender, so the rate and fees you sign are the ones on the lender's offer.
Who each suits
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%.
Fiesta Credito
Who it suits
- Adults in Spain who hold a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, and need a small sum covered in Under 15 minutes.
- Borrowers with poor credit whose file would struggle with a hard enquiry, since the initial look is a soft prequalification.
- People who can clear a bridging cost, such as an urgent repair, from the next payment rather than from savings.
Who should look elsewhere
- Anyone after a long, cheaper personal loan: 2 to 3 is a brief repayment window, and Monzo Flex at 10% to 23% suits borrowing repaid over years.
- Borrowers chasing the lowest rate, because 0% to 317% is the cost of the speed and Cashspace at PHP 12 to PHP 36 is worth checking on price.
- Anyone without a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, since eligibility asks for all three.
Current offers
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
Fiesta Credito
Current offer
First period offer
First 3000 EUR with no commission, repayable over 60 months: 3000 EUR, 0 EUR commission
Source, checked September 26, 2026
First period offer
First loan up to 300 EUR at 0% interest: 0% interest on first loan up to 300 EUR
New customers; repayable in a period of up to 90 days
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Fiesta Credito |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
Fiesta Credito
How much can I borrow, and for how long?+
Loans run €100 to €5,000 and repayments are scheduled over 2 to 3, so the balance returns quickly and the interest has little time to build. Among the 685 brands on this site ranked for loan amount, Fiesta Credito sits at 527. It suits a gap between a payment and the next, not a project that needs spreading over years.
What does it cost to borrow?+
The annual rate is 0% to 317%, and the arrangement charge is 0 EUR. The representative example makes the split visible, with the cost of borrowing taking a clear share of the total repayable over a short term. Because the rate is the weight in the balance, comparing rates across lenders matters more here than skipping a fee.