Updated September 28, 2026 · BorrowCue Editorial Team
Credityes ES vs Ibancar Prestamos
What sets them apart
| Compare |  Credityes ES |  Ibancar Prestamos |
|---|---|---|
| APR | 0% to 36%Lower | 12.74% to 13.01% |
| Loan amount | €100 to €5,000 | €600 to €8,000Higher |
| Term | 2 to 36 months | 12 to 60 monthsHigher |
| Funding time | Money in a few minutes after a positive decision | Same day, up to 24 hours |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Lender type | Broker | Direct lender |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal, Payday | Personal, Car, Secured |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.8.
- APR is lower at Credityes ES: 0% to 36% vs 12.74% to 13.01%.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €100 to €5,000.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 2 to 36 months.
- Support channels: only Ibancar Prestamos offers Phone, Help centre.
- Loan types: only Credityes ES offers Payday.
- Loan types: only Ibancar Prestamos offers Car, Secured.
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.
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
Score breakdown
| Area | Credityes ES | Ibancar Prestamos |
|---|---|---|
| Cost | 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. | 8.7 |
| Offer | 8.3 | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. |
| Trust | 8.3 | 9.2Higher |
Licences and countries
Available in 1 country for both.
How they place
| Ranking | Credityes ES | Ibancar Prestamos |
|---|---|---|
| Personal loans | 9 of 1932 | 15 of 1932 |
Every fact side by side
| Fact | Credityes ES | Ibancar Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Ibancar World SL |
| Headquarters | Latvia | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 12.74% to 13.01%above the median | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €600 to €8,000below the median | €40,000 |
| Term | 2 to 36 monthsbelow the median | 12 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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.
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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%.
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender instead
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
Country by country
| Country | Credityes ES | Ibancar Prestamos |
|---|---|---|
| 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.
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
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