Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Ibancar Prestamos
Where Creduma ES and Ibancar Prestamos differ
| Compare |  Creduma ES |  Ibancar Prestamos |
|---|---|---|
| Loan amount | from €12,000 | €600 to €8,000 |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Same day, up to 24 hours |
| Lender type | Broker | Direct lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Secured, Debt consolidation | Personal, Car, Secured |
| APR | Not confirmed | 12.74% to 13.01% |
| Term | Not confirmed | 12 to 60 months |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Representative example | Not confirmed | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Rate type | Not confirmed | Fixed |
Same on both: Credit needed (Poor).
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.7.
- Loan types: only Creduma ES offers Debt consolidation.
- Loan types: only Ibancar Prestamos offers Personal, 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.
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
Score breakdown
| Area | Creduma ES | Ibancar Prestamos |
|---|---|---|
| Cost | Not confirmed | 8.7 |
| Offer | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. |
| Trust | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 9.2Higher |
Sources behind this comparison
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
How they place
| Ranking | Creduma ES | Ibancar Prestamos |
|---|---|---|
| Loans for bad credit | 26 of 275 | 10 of 275 |
| Secured loans | 6 of 472 | 2 of 472 |
Every fact side by side
| Fact | Creduma ES | Ibancar Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Ibancar World SL |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed | Phone, Email, Help centre |
Mortgages
| Fact | Creduma ES | Ibancar Prestamos |
|---|---|---|
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | Creduma ES | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | Not confirmed | 12.74% to 13.01%above the median | 8.99 |
| Loan amount | from €12,000below the median | €600 to €8,000below the median | €40,000 |
| Term | Not confirmed | 12 to 60 monthsat the median | 60 |
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
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender 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
Country by country
| Country | Creduma ES | Ibancar Prestamos |
|---|---|---|
| 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.
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
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