Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs AIB
Creduma ES vs AIB: the differences
| Compare |  Creduma ES |  AIB |
|---|---|---|
| Loan amount | from €12,000 | €1,000 to €75,000 |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Decision within 3 hours; money paid into your Current Account |
| Lender type | Broker | Direct lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Over 18s only, subject to approval; Irish residents need a PPSN, residents outside Ireland a PPSN or non-Irish TRN |
| Loan types | Secured, Debt consolidation | Personal, Car, Student, Credit line |
| APR | Not confirmed | 8.95% |
| 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 |
| Representative example | Not confirmed | AIB standard personal loan: €1,500 over 1 year at 8.65% variable interest rate and 8.95% APR, 12 monthly instalments of €130.48, total cost of credit €65.76, total repayable €1,565.76 |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- AIB scores higher overall: 9.4 vs 8.7.
- Loan types: only Creduma ES offers Secured, Debt consolidation.
- Loan types: only AIB offers Personal, Car, Student.
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.
AIB
Irish retail banks suit borrowers who want a single established bank for home and personal borrowing rather than the widest choice. A home loan initial rate of 3%, an APRC of 3.6% and a personal loan APR of 8.95% keep the cost picture competitive, with a fixed period of 3.
Score breakdown
| Area | Creduma ES | AIB |
|---|---|---|
| Cost | Not confirmed | 9.7 |
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 9.0 |
| Trust | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 9.3Higher |
Positions in our rankings
| Ranking | Creduma ES | AIB |
|---|---|---|
| Mortgages | 3 of 719 | 48 of 719 |
| Remortgage deals | 3 of 351 | 32 of 351 |
| Home equity loans and HELOCs | 2 of 110 | 13 of 110 |
Ranges side by side
| Fact | Creduma ES | AIB |
|---|---|---|
| Loan amount | from €12,000 | €1,000 to €75,000 |
What we checked
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
AIB
- aib.ie: 15 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | AIB |
|---|---|---|
| Features | Not confirmed | Credit line |
| Legal entity | Not confirmed | Allied Irish Banks, p.l.c. |
| Headquarters | Not confirmed | Ireland |
| Founded | Not confirmed | 1966 |
| Support channels | Not confirmed | Phone, Chat, Help centre |
Mortgages
| Fact | Creduma ES | AIB |
|---|---|---|
| Initial rate | Not confirmed | 3% |
| APRC | Not confirmed | 3.6% |
| Fixed period | Not confirmed | 3 years |
| Maximum loan to value | Not confirmed | 90% |
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Purchase, Remortgage, First time buyer, Buy to let, Home equityCovers more |
Where each stands against the rest
| Fact | Creduma ES | AIB | Median |
|---|---|---|---|
| APR | Not confirmed | 8.95%below the median | 8.99% |
| Loan amount | from €12,000below the median | €1,000 to €75,000above 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
AIB
Pros
- Home loan cost sits inside the site range: initial rate 3% against a site median of 4.35%, and APRC 3.6% against 4.9%.
- A single lender covers personal, car and student, and mortgage purposes run to purchase, remortgage and first time buyer.
- Early repayment on the personal loan is free, so borrowing can be cleared ahead of schedule.
Cons
- The fixed period of 3 is short beside a site median of 6.5.
- The credit check is hard, and with the Central Bank of Ireland as regulator an application is recorded.
- Home equity lending is offered, but home loans are capped at a 90% loan to value.
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
AIB
Who it suits
- Buyers and movers in Ireland who want a mainstream bank for the home loan and a personal loan alongside it.
- Borrowers planning home improvement work, which the personal loan is aimed at.
- People who prefer a long established direct lender over a broker or marketplace.
Who should look elsewhere
- Borrowers chasing the longest rate fix, since the fixed period of 3 falls well below the site median of 6.5.
- Applicants with thin files, because the credit check is hard.
- Those wanting a credit line option wider than the single credit line listed, though Sofkredit and Creditilia ES quote lower headline rates.
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
AIB
Current offer
Bonus
AIB switcher cash offer: 3000
Switchers availing of the Higher Value 4 year fixed rate can benefit of the EUR3,000 switcher cash offer; available for Private Dwelling House (PDH) mortgages only, switching to Fixed or Variable rates, borrowing at least EUR250,000
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | AIB |
|---|---|---|
| Ireland | 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.
AIB
What does a home loan from these banks cost?+
The initial rate is 3% and the APRC is 3.6%, which sits below the site median of 4.9% for that measure. Loans are arranged at a maximum loan to value of 90%, and the rate is held for 3.
What does a personal loan cost?+
The APR is 8.95% on a variable rate, with borrowing running from €1,000 to €75,000 over terms of 12 to 60. The published example shows monthly instalments and a total cost of credit, and early repayment is free.
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