Updated September 28, 2026 · BorrowCue Editorial Team
Credityes ES vs Prestamiau ES
What sets them apart
| Compare |  Credityes ES |  Prestamiau ES |
|---|---|---|
| Term | 2 to 36 monthsHigher | 3 to 6 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 | 5 minutes |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| 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, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Payday | Personal, Debt consolidation |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Lender type (Broker), Use cases (Home improvement).
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.8.
- Term is higher at Credityes ES: 2 to 36 months vs 3 to 6 months.
- Support channels: only Prestamiau ES offers Help centre.
- Loan types: only Credityes ES offers Payday.
- Loan types: only Prestamiau ES 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.
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Score breakdown
| Area | Credityes ES | Prestamiau ES |
|---|---|---|
| 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. | 9.9Higher |
| Offer | 8.3 | 8.5HigherAPR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 8.3 | 8.3 |
Availability and regulation
Available in 1 country for both.
What each covers
| Loan types | Credityes ES | Prestamiau ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Use cases | Credityes ES | Prestamiau ES |
|---|---|---|
| Home improvement | Yes | Yes |
What we checked
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
How they place
| Ranking | Credityes ES | Prestamiau ES |
|---|---|---|
| Personal loans | 9 of 1932 | 3 of 1932 |
| Home improvement loans | 6 of 562 | 3 of 562 |
Every fact side by side
| Fact | Credityes ES | Prestamiau ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Fininity OU |
| Headquarters | Latvia | Estonia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Prestamiau ES | 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 6 monthslowest quarter | 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.
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
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%.
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
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 | Prestamiau ES |
|---|---|---|
| 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.
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.