Updated September 29, 2026 · BorrowCue Editorial Team
Credityes vs Sofkredit
Credityes vs Sofkredit: the differences
| Compare |  Credityes |  Sofkredit |
|---|---|---|
| APR | 0% to 48%Lower | 10.74% to 18.06% |
| Loan amount | ₱1,000 to ₱25,000 | €12,000 to €300,000 |
| Term | 2 to 36 months | 6 to 240 monthsHigher |
| Arrangement fee | 0 PHP | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Funding time | A few minutes after confirmation | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal | Secured, Debt consolidation, Business |
| Credit check | Not confirmed | Soft prequal |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Broker), Use cases (Home improvement).
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Key differences
- Credityes scores higher overall: 8.9 vs 8.6.
- Sofkredit is available in 2 more countries.
- APR is lower at Credityes: 0% to 48% vs 10.74% to 18.06%.
- Term is higher at Sofkredit: 6 to 240 months vs 2 to 36 months.
- Support channels: only Sofkredit offers Phone.
- Loan types: only Credityes offers Personal.
- Loan types: only Sofkredit offers Secured, Debt consolidation, Business.
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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Credityes | Sofkredit |
|---|---|---|
| Cost | 9.9Higher | 8.5 |
| Offer | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Credityes | Sofkredit |
|---|---|---|
| APR | 0% to 48% | 10.74% to 18.06% |
| Term | 2 to 36 months | 6 to 240 months |
Sources behind this comparison
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
Sofkredit
- sofkredit.com: 17 facts, checked September 26, 2026
How they place
| Ranking | Credityes | Sofkredit |
|---|---|---|
| Home improvement loans | 5 of 562 | 2 of 562 |
Every fact side by side
| Fact | Credityes | Sofkredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Kova Finance, S.L. |
| Headquarters | Latvia | Spain |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Credityes | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Credityes | Sofkredit | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 10.74% to 18.06%above the median | 8.99 |
| Term | 2 to 36 monthsbelow the median | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%highest quarter | 0.25 |
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
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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%
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
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 | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| 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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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