Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Finteres
Where Creduma ES and Finteres differ
| Compare |  Creduma ES |  Finteres |
|---|---|---|
| Loan amount | from €12,000 | €100 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 | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Loan types | Secured, Debt consolidation | Personal, Payday, Debt consolidation, Car |
| APR | Not confirmed | 0% to 36% |
| Term | Not confirmed | 3 to 4 months |
| Representative example | Not confirmed | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Credit check (Soft prequal), Lender type (Broker), Credit needed (Poor).
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Key differences
- Finteres scores higher overall: 8.8 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only Finteres 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.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | Creduma ES | Finteres |
|---|---|---|
| Cost | Not confirmed | 9.5Arrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 8.7 |
| Trust | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.3 |
From lowest to highest
| Fact | Creduma ES | Finteres |
|---|---|---|
| Loan amount | from €12,000 | €100 to €5,000 |
Feature by feature
| Loan types | Creduma ES | Finteres |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | No | Yes |
Positions in our rankings
| Ranking | Creduma ES | Finteres |
|---|---|---|
| Loans for bad credit | 26 of 275 | 16 of 275 |
| Debt consolidation loans | 13 of 425 | 10 of 425 |
Availability and regulation
Available in 1 country for both.
Every fact side by side
| Fact | Creduma ES | Finteres |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Fininity OÜ |
| Headquarters | Not confirmed | Estonia |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | Creduma ES | Finteres |
|---|---|---|
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | Creduma ES | Finteres | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €100 to €5,000lowest quarter | €40,000 |
| Term | Not confirmed | 3 to 4 monthslowest quarter | 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
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
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
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
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
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Finteres |
|---|---|---|
| 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.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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