Updated September 28, 2026 · BorrowCue Editorial Team
Credityes ES vs Pezetita
Credityes ES vs Pezetita: the differences
| Compare |  Credityes ES |  Pezetita |
|---|---|---|
| Term | 2 to 36 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 0 EUR (no loan selection fee charged) |
| Funding time | Money in a few minutes after a positive decision | Money transferred shortly after lender approval, within minutes |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account |
| Loan types | Personal, Payday | Personal, Payday, Debt consolidationCovers more |
| Rate type | Not confirmed | Fixed |
| Use cases | Home improvement | Not confirmed |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Lender type (Broker), Origination fee (%) (0%).
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Key differences
- Term is higher at Credityes ES: 2 to 36 months vs 3 to 4 months.
- Support channels: only Pezetita offers Help centre.
- Loan types: only Pezetita offers Debt consolidation.
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.
Pezetita
Pezetita suits adults in Spain who need a small short-term loan paid out quickly, with borrowing of €100 to €5,000 over 3 to 4. The catch is that it works as a broker, so a partner lender sets the final terms.
Score breakdown
| Area | Credityes ES | Pezetita |
|---|---|---|
| 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 0 EUR (no loan selection fee charged) and an APR band of 0% to 36% keep costs at the market floor. |
| Offer | 8.3 | 8.5Higher |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Credityes ES | Pezetita |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Loan amount | €100 to €5,000 | €100 to €5,000 |
| Term | 2 to 36 months | 3 to 4 months |
Licences and countries
Available in 1 country for both.
What we checked
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Pezetita
- pezetita.com: 16 facts, checked September 26, 2026
How they place
| Ranking | Credityes ES | Pezetita |
|---|---|---|
| Personal loans | 9 of 1932 | 17 of 1932 |
| Payday and short-term loans | 1 of 246 | 5 of 246 |
Every fact side by side
| Fact | Credityes ES | Pezetita |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Fininity OÜ (registry number 14523902, VAT ID EE102112841) |
| Headquarters | Latvia | Estonia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Pezetita | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%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 | 3 to 4 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.
Pezetita
Pros
- Nothing to pay for taking the loan out: 0 EUR (no loan selection fee charged).
- Fast payout, with same day funding and a transfer within minutes of a lender decision.
- Fixed pricing on fixed loans, so the repayment schedule holds for the whole 3 to 4.
Cons
- It is a broker (broker), so the lender you are matched with sets the final price, not the site you apply through.
- The window is short at 3 to 4, so a larger balance has little room to spread.
- The upper end of 0% to 36% sits well above the market median of 12%, so the headline band flatters the cheaper offers.
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%.
Pezetita
Who it suits
- Adults resident in Spain who hold a DNI or NIE, can show proof of income and keep a bank account open.
- Borrowers who need money within minutes of a lender decision rather than a waiting period.
- People who prefer a fixed rate and a fee of 0 EUR (no loan selection fee charged) on a short loan.
Who should look elsewhere
- Monzo Flex, if you want years to repay: its APR band of 10% to 23% suits a longer schedule than Pezetita's 3 to 4.
- Cashspace, if your budget needs room to breathe, since Pezetita caps the term at 3 to 4.
- Cashspace ES, if you want the lowest headline rate first, because its 0% undercuts the upper end of Pezetita's 0% to 36% band.
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
Pezetita
Current offer
First period offer
First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days
New customers only; the interest rate and overpayment amount may change after completing the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Pezetita |
|---|---|---|
| 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.
Pezetita
What does it cost to borrow from Pezetita?+
Pezetita prices loans on a fixed basis, with an APR band of 0% to 36%. The 0 EUR (no loan selection fee charged) means no loan selection or origination charge is added to the borrow. The published example shows a short loan repaid with nothing added to the amount lent, so the total repayable matches the sum you borrowed.
Is there an arrangement or selection fee?+
The origination fee is 0 EUR (no loan selection fee charged), and the percentage fee is 0%, so nothing is taken for choosing or setting the loan up. Cost comes from the interest side instead, which is why the APR band of 0% to 36% is the number to read closely before you apply.