Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Finipay
Creduma ES vs Finipay: the differences
| Compare |  Creduma ES |  Finipay |
|---|---|---|
| Loan amount | from €12,000 | €300 to €5,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 EUR |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Under 24 hours |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email |
| Loan types | Secured, Debt consolidation | Personal, Payday, Debt consolidation, Car |
| APR | Not confirmed | 0% to 212% |
| Term | Not confirmed | 3 to 60 months |
| Credit check | Soft prequal | Not confirmed |
| Representative example | Not confirmed | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Finipay scores higher overall: 8.9 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only Finipay offers Personal, Payday, Car.
Our verdict on each
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
Finipay
Finipay suits Spanish adults with poor credit who need a small euro loan quickly and want no set-up charge. The trade-off is cost: an APR band of 0% to 212% and a representative example where a short loan costs far more to repay than to borrow.
Score breakdown
| Area | Creduma ES | Finipay |
|---|---|---|
| Cost | Not confirmed | 9.7The 0% to 212% band is far wider than the 12.25% midpoint for personal loans here, so cost depends almost entirely on your credit file. |
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 8.8 |
| Trust | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.3 |
What each covers
| Loan types | Creduma ES | Finipay |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | No | Yes |
Positions in our rankings
| Ranking | Creduma ES | Finipay |
|---|---|---|
| Loans for bad credit | 26 of 275 | 12 of 275 |
| Debt consolidation loans | 13 of 425 | 9 of 425 |
Licences and countries
Available in 1 country for both.
What we checked
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | Finipay |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Finceptiv OU |
| Headquarters | Not confirmed | Estonia |
| Support channels | Not confirmed | Phone, Email, Help centre |
Mortgages
| Fact | Creduma ES | Finipay |
|---|---|---|
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | Creduma ES | Finipay | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 212%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €300 to €5,000lowest quarter | €40,000 |
| Term | Not confirmed | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
Finipay
Pros
- Setting the loan up adds nothing: the origination fee is 0 EUR, so no charge is bolted on to the interest.
- Money arrives in Under 24 hours, and same-day funding sits in same day funding.
- Poor credit is the target: poor means the service is aimed at files mainstream lenders decline.
Cons
- Finipay is a broker rather than the lender (broker), so the rate is set by a partner lender and its terms are not spelled out here.
- The cost of a short term is severe: the representative example repays far more than it lends, and the top of 0% to 212% is steep.
- Borrowing stops at €300 to €5,000, so a larger renovation, car purchase or consolidation job needs another provider.
Who each suits
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
Finipay
Who it suits
- Adults in Spain with poor credit who need a modest sum quickly and would be turned down elsewhere, since poor is the level Finipay targets.
- Borrowers who want a fee-free set-up and a fast transfer, and who will read the representative example before choosing a term.
- People covering a car, a bill to consolidate or a home improvement, given personal, payday and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers with a strong file who want the cheapest rate: Monzo Flex holds its APR at 10% to 23%, well under the top of Finipay's 0% to 212%.
- Anyone who needs to borrow more than €300 to €5,000: Cashspace lists its rate in Philippine pesos at PHP 12 to PHP 36, so it is not a euro answer to a larger sum.
- Shoppers chasing an interest-free headline rate: Cashspace ES shows an APR of 0%, while Finipay's 0% to 212% is the band where a real rate is quoted.
Current offers
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Finipay |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
Finipay
Is there a fee for taking out a Finipay loan?+
No arrangement charge is added. The origination fee is 0 EUR, so the money you arrange does not shrink before it reaches you. What you pay is interest on the loan, and the size of that depends on the rate you are offered and the term you choose.
How much can I borrow, and for how long?+
Loans run €300 to €5,000, and terms run 3 to 60 months. That range is built for short and medium needs such as a repair, a car deposit or a bill to consolidate. It is not a route to a large renovation, because the ceiling is well below what the biggest lenders here arrange.
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