Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Postbank
Where Creduma ES and Postbank differ
| Compare |  Creduma ES |  Postbank |
|---|---|---|
| Loan amount | from €12,000 | €3,000 to €80,000 |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | A few days: review normally takes two business days, plus a few days until the money arrives |
| Lender type | Broker | Direct lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation, Car |
| APR | Not confirmed | 3.25% to 14.3% |
| Term | Not confirmed | 12 to 120 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 | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit needed (Poor).
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Key differences
- Postbank scores higher overall: 9.3 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only Postbank 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.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | Creduma ES | Postbank |
|---|---|---|
| Cost | Not confirmed | 9.4 |
| Offer | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 9.2Higher |
Feature by feature
| Loan types | Creduma ES | Postbank |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | No | Yes |
How they place
| Ranking | Creduma ES | Postbank |
|---|---|---|
| Loans for bad credit | 26 of 275 | 48 of 275 |
| Debt consolidation loans | 13 of 425 | 31 of 425 |
| Mortgages | 3 of 719 | 10 of 719 |
| Remortgage deals | 3 of 351 | 9 of 351 |
Every fact side by side
| Fact | Creduma ES | Postbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Not confirmed | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Not confirmed | Germany |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | Creduma ES | Postbank |
|---|---|---|
| Product fee | €0 | €0 |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creduma ES | Postbank | Median |
|---|---|---|---|
| APR | Not confirmed | 3.25% to 14.3%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €3,000 to €80,000highest quarter | €40,000 |
| Term | Not confirmed | 12 to 120 monthshighest quarter | 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
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
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
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
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
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Postbank |
|---|---|---|
| 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.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
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