Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Prestamiau ES
Where Creduma ES and Prestamiau ES differ
| Compare |  Creduma ES |  Prestamiau ES |
|---|---|---|
| Loan amount | from €12,000 | €100 to €5,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 EUR |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | 5 minutes |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation |
| APR | Not confirmed | 0% to 36% |
| Term | Not confirmed | 3 to 6 months |
| Credit check | Soft prequal | Not confirmed |
| Representative example | Not confirmed | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only Prestamiau ES offers Personal.
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.
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Score breakdown
| Area | Creduma ES | Prestamiau ES |
|---|---|---|
| Cost | Not confirmed | 9.9 |
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.3 |
Positions in our rankings
| Ranking | Creduma ES | Prestamiau ES |
|---|---|---|
| Loans for bad credit | 26 of 275 | 4 of 275 |
| Debt consolidation loans | 13 of 425 | 3 of 425 |
What each covers
| Loan types | Creduma ES | Prestamiau ES |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
Licences and countries
Available in 1 country for both.
Sources behind this comparison
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | Prestamiau ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Fininity OU |
| Headquarters | Not confirmed | Estonia |
| Support channels | Not confirmed | Email, Help centre |
Mortgages
| Fact | Creduma ES | Prestamiau ES |
|---|---|---|
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | Creduma ES | Prestamiau ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €100 to €5,000lowest quarter | €40,000 |
| Term | Not confirmed | 3 to 6 monthslowest 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
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
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
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
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 | Prestamiau ES |
|---|---|---|
| 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.
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.
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