Updated October 17, 2026 · BorrowCue Editorial Team
Credityes vs Luzo ES
What sets them apart
| Compare |  Credityes |  Luzo ES |
|---|---|---|
| APR | 0% to 48% | 0% |
| Funding time | A few minutes after confirmation | Money in bank account within minutes |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Spanish bank account in euros and valid identity document |
| Loan types | Personal | Payday |
| Loan amount | ₱1,000 to ₱25,000 | Not confirmed |
| Term | 2 to 36 months | Not confirmed |
| Arrangement fee | 0 PHP | Not confirmed |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | Not confirmed |
| Lender type | Broker | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Luzo ES scores higher overall: 9.1 vs 8.9.
- Support channels: only Credityes offers Email, Help centre.
- Support channels: only Luzo ES offers Phone.
- Loan types: only Credityes offers Personal.
- Loan types: only Luzo ES offers Payday.
Our verdict on each
Credityes
Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.
Luzo ES
The LUZO.es agreement names SF PRÉSTAMOS S.L. as lender trading as LUZO.es. It also provides for agreed processing or management costs, so a free-loan claim is not supported.
Score breakdown
| Area | Credityes | Luzo ES |
|---|---|---|
| Cost | 9.9 | 9.9 |
| Offer | 8.3HigherAPR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 8.1 |
| Trust | 8.3 | Not confirmed |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes
0 to 9,039.28
0 to 9,039.28
Luzo ES
0
0
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.
Where each is licensed and available
Additional countries for Credityes: 1. Additional countries for Luzo ES: 1.
Positions in our rankings
| Ranking | Credityes | Luzo ES |
|---|---|---|
| Personal loans | 8 of 1920 | 44 of 1920 |
Sources behind this comparison
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
Luzo ES
- luzo.es: 5 facts, checked October 17, 2026
Every fact side by side
| Fact | Credityes | Luzo ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Not confirmed |
| Headquarters | Latvia | Not confirmed |
| Support channels | Email, Help centre | Phone |
Where each stands against the rest
| Fact | Credityes | Luzo ES | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 0%lowest quarter | 8.95 |
| Loan amount | ₱1,000 to ₱25,000below the median | Not confirmed | ₱45,000 |
| Term | 2 to 36 monthsbelow the median | Not confirmed | 60 |
Median across 1164 listed lenders.
Pros and cons
Credityes
Pros
- The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
- Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
- Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
Cons
- The APR reaches 0% to 48%, well above the site median of 12% for personal loans
- Debt consolidation and credit lines are not among its loan types, which are personal
- A phone line is not among its support channels, which run email and help centre
Luzo ES
Pros
- The agreement identifies the lender.
Cons
- Processing or management costs may be agreed.
Who each suits
Credityes
Who it suits
- Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
- Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
- People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee
Who should look elsewhere
- Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
- Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
- Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%
Luzo ES
Who it suits
- Spanish borrowers checking who lends through LUZO.es and what costs the agreement may include.
Who should look elsewhere
- Borrowers looking for a loan described as having no processing or management costs.
Current offers
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Credityes | Luzo ES |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Credityes
What does a Credityes personal loan cost in total?+
Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.
Is Credityes a lender or a broker?+
Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.
How long does it take to get the money?+
Funding arrives A few minutes after confirmation, and the site lists same day funding as a feature of the service. The money is paid to a personal bank account, so the application is fastest for someone who already has one open and in their own name.
How much can I borrow and for how long?+
Loan amounts run PHP 1,000 to PHP 25,000 and terms run 2 to 36. Home improvement is the stated use case, so the figures are set against a planned job rather than an open balance, and a bill larger than the top of the range has to be split into separate loans.