Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs ING Germany
What sets them apart
| Compare |  Creduma ES |  ING Germany |
|---|---|---|
| Loan amount | from €12,000 | €5,000 to €100,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Immediate payout on request, otherwise on a chosen date up to 3 months after approval |
| Lender type | Broker | Direct lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Of age, good credit standing, private not commercial use, stable monthly income of at least 1,600 EUR, residence and workplace in Germany, salary current account |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation, Car, Credit line |
| Credit needed | Poor | Good |
| APR | Not confirmed | 3.69% to 10.99% |
| Term | Not confirmed | 12 to 120 months |
| Representative example | Not confirmed | Ratenkredit: net loan 15,000.00 EUR over 120 months, effective annual rate 7.22% (fixed nominal rate 6.99% p.a.), monthly instalment 175.63 EUR, total amount 21,075.24 EUR; at least two thirds of customers receive 7.22% or better |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
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Key differences
- ING Germany scores higher overall: 9.4 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only ING Germany offers Personal, Car, Credit line.
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.
ING Germany
ING Germany lends directly to residents with a salary current account, and its instalment loan fixes the rate across terms of 12 to 120. It suits borrowers consolidating debt or funding home improvements, though the hard credit check and good credit standing narrow who qualifies.
Score breakdown
| Area | Creduma ES | ING Germany |
|---|---|---|
| Cost | Not confirmed | 9.4Arrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. |
| Offer | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 9.4Higher |
| Trust | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 9.5Higher |
Where they rank in our lists
| Ranking | Creduma ES | ING Germany |
|---|---|---|
| Debt consolidation loans | 13 of 425 | 63 of 425 |
| Mortgages | 3 of 719 | 47 of 719 |
| Remortgage deals | 3 of 351 | 31 of 351 |
| Home equity loans and HELOCs | 2 of 110 | 12 of 110 |
Ranges side by side
| Fact | Creduma ES | ING Germany |
|---|---|---|
| Loan amount | from €12,000 | €5,000 to €100,000 |
Availability and regulation
| Country | Creduma ES | ING Germany |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Creduma ES: 1. Additional countries for ING Germany: 1.
Every fact side by side
| Fact | Creduma ES | ING Germany |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | ING-DiBa AG |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1965 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Mortgages
| Fact | Creduma ES | ING Germany |
|---|---|---|
| Initial rate | Not confirmed | 4.79% |
| APRC | Not confirmed | 4.93% |
| Fixed period | Not confirmed | 15 years |
| Maximum loan to value | Not confirmed | 100% |
| Product fee | €0 | €0 |
| Purpose | Remortgage, Home equity | Purchase, Remortgage, Home equityCovers more |
Where each stands against the rest
| Fact | Creduma ES | ING Germany | Median |
|---|---|---|---|
| APR | Not confirmed | 3.69% to 10.99%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €5,000 to €100,000highest quarter | €40,000 |
| Term | Not confirmed | 12 to 120 monthshighest 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
ING Germany
Pros
- Fixed rate of 3.69% to 10.99% on borrowing of €5,000 to €100,000, with terms of 12 to 120 and the rate held for the life of the loan.
- Same-day funding on request, and early repayment is free.
- Regulated in Germany by BaFin, with support on phone, email and help centre.
Cons
- The credit check is hard and credit standing of good is needed, so a thin file is unlikely to pass.
- Eligibility requires a salary current account plus residence and workplace in Germany, so applicants paid elsewhere or based abroad are excluded.
- Support runs on phone, email and help centre only, with no live chat option listed.
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
ING Germany
Who it suits
- Residents of Germany paid a salary into a current account, applying for a fixed-rate instalment loan.
- Borrowers consolidating debt or planning home improvement, since the lending covers both alongside car loans and a credit line.
- Homebuyers and movers, with home financing at an initial rate of 4.79%.
Who should look elsewhere
- Applicants with a poor credit file, since the check is hard and credit standing of good is required.
- Borrowers who rank lenders purely on the lowest published rate, since Cashspace ES lists 0% against 3.69% to 10.99% here.
- People without a salary current account or living outside Germany, which the eligibility terms require.
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
ING Germany
Current offer
Discount code
Autumn interest discount of up to -0.50% on new Ratenkredit, Autokredit and Wohnkredit: -0.30% on the fixed nominal interest rate, up to -0.50% combined for loan amounts from 40,001 EUR
Applications for new instalment, car or mortgage loans by 04.10.2026; -0.20% extra discount from a loan amount of 40,001 EUR; discount applied automatically in the personal best-rate offer
Source, checked September 26, 2026
Bonus
My ING current account to loan promotion: One month of interest on your Ratenkredit refunded
Open an ING Girokonto within 3 months of taking out the Ratenkredit and use it as a salary current account
Source, checked September 26, 2026
Bonus
Free Girokonto plus 200 EUR on top: 200 EUR
New Girokonto with at least 1,000 EUR incoming payments per calendar month; current account free for customers under 28
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | ING Germany |
|---|---|---|
| Germany | No | Yes |
| Spain | Yes | No |
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.
ING Germany
What can I borrow from ING Germany for personal use?+
The published lending covers personal, debt consolidation and car borrowing, with home improvement named as a use. Amounts run to €5,000 to €100,000 across terms of 12 to 120, and the rate is fixed for the life of the loan.
What rate do I pay on an instalment loan?+
The advertised rate is 3.69% to 10.99%, quoted for a fixed-rate loan of €5,000 to €100,000 over 12 to 120. The worked example pairs a fixed nominal rate with the effective annual rate, so the effective figure is the one to compare across lenders.
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