Updated September 29, 2026 · BorrowCue Editorial Team
Credityes vs Prestamiau ES
Where Credityes and Prestamiau ES differ
| Compare |  Credityes |  Prestamiau ES |
|---|---|---|
| APR | 0% to 48% | 0% to 36% |
| Loan amount | ₱1,000 to ₱25,000 | €100 to €5,000 |
| Term | 2 to 36 monthsHigher | 3 to 6 months |
| Arrangement fee | 0 PHP | 0 EUR |
| Funding time | A few minutes after confirmation | 5 minutes |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Broker), Use cases (Home improvement).
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Key differences
- Term is higher at Credityes: 2 to 36 months vs 3 to 6 months.
- Loan types: only Prestamiau ES offers Debt consolidation.
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.
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 | Prestamiau ES |
|---|---|---|
| Cost | 9.9 | 9.9 |
| Offer | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 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 |
Which one suits you
Pick Credityes if term matter most.
Pick Prestamiau ES if loan types matter most.
Ranges side by side
| Fact | Credityes | Prestamiau ES |
|---|---|---|
| APR | 0% to 48% | 0% to 36% |
| Term | 2 to 36 months | 3 to 6 months |
Side by side, item by item
| Loan types | Credityes | Prestamiau ES |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Use cases | Credityes | Prestamiau ES |
|---|---|---|
| Home improvement | Yes | Yes |
Where each is licensed and available
Additional countries for Credityes: 1. Additional countries for Prestamiau ES: 1.
How they place
| Ranking | Credityes | Prestamiau ES |
|---|---|---|
| Personal loans | 8 of 1932 | 3 of 1932 |
| Home improvement loans | 5 of 562 | 3 of 562 |
Every fact side by side
| Fact | Credityes | Prestamiau ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Fininity OU |
| Headquarters | Latvia | Estonia |
| Support channels | Email, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | Credityes | Prestamiau ES | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Term | 2 to 36 monthsbelow the median | 3 to 6 monthslowest quarter | 60 |
Median across 1005 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
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
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%
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
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 | Prestamiau 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.
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.