Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Lendela
Where Creduma ES and Lendela differ
| Compare |  Creduma ES |  Lendela |
|---|---|---|
| Loan amount | from €12,000 | SGD 1,000 to SGD 200,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | SGD 0 |
| Credit check | Soft prequal | None |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Around 1-2 days from application to disbursement; some within hours |
| Lender type | Broker | Marketplace |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Credit needed | Poor | Fair |
| APR | Not confirmed | up to 48% |
| Term | Not confirmed | 3 to 72 months |
| Representative example | Not confirmed | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Creduma ES scores higher overall: 8.7 vs 8.5.
- Lendela is available in 1 more country.
- Loan types: only Lendela offers Personal, Business, 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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | Creduma ES | Lendela |
|---|---|---|
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.2 |
Where each is licensed and available
Additional countries for Creduma ES: 1. Additional countries for Lendela: 2.
Side by side, item by item
| Loan types | Creduma ES | Lendela |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
Where they rank in our lists
| Ranking | Creduma ES | Lendela |
|---|---|---|
| Loans for bad credit | 26 of 275 | 42 of 275 |
| Debt consolidation loans | 13 of 425 | 26 of 425 |
| Secured loans | 6 of 472 | 12 of 472 |
| Mortgages | 3 of 719 | 6 of 719 |
| Remortgage deals | 3 of 351 | 6 of 351 |
What we checked
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | Lendela |
|---|---|---|
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Not confirmed | Lendela Pte. Ltd. |
| Headquarters | Not confirmed | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | Creduma ES | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | €0 | SGD 0 |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creduma ES | Lendela | Median |
|---|---|---|---|
| APR | Not confirmed | up to 48%highest quarter | 8.99 |
| Term | Not confirmed | 3 to 72 monthsabove 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
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat 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
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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 | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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