Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Smava
Creduma ES vs Smava: the differences
| Compare |  Creduma ES |  Smava |
|---|---|---|
| Loan amount | from €12,000 | €1,000 to €120,000 |
| 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 | Within a few working days; with digital account check and video ident some banks disburse the same day |
| Lender type | Broker | Marketplace |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | At least 18 years old, main residence in Germany, current account at a German bank, regular income, sufficient creditworthiness |
| Loan types | Secured, Debt consolidation | Personal, Car, Debt consolidation, Business |
| Credit needed | Poor | Fair |
| APR | Not confirmed | -0.4% to 19.9% |
| Term | Not confirmed | 6 to 120 months |
| Representative example | Not confirmed | Ratenkredit: EUR 50,000 net loan, 60 months, 8.70% effective annual rate, 60 monthly instalments of EUR 1,022.73, total EUR 61,363.57, Vereinigte Volksbank Raiffeisenbank eG |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Soft prequal).
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Key differences
- Smava scores higher overall: 8.9 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only Smava offers Personal, Car, Business.
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.
Smava
Smava suits German borrowers who want one comparison across personal, car, consolidation and business loans, plus home finance, without paying a setup fee. It scores 6 overall, with -0.4% to 19.9% on loans and 3.2% on home finance, but early repayment is not free.
Score breakdown
| Area | Creduma ES | Smava |
|---|---|---|
| Cost | Not confirmed | 9.1 |
| Offer | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 9.1Amounts of €1,000 to €120,000, rates of -0.4% to 19.9%, no origination fee of 0 EUR and same day funding. |
| Trust | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.5Higher |
Feature by feature
| Loan types | Creduma ES | Smava |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | No | Yes |
| Business | No | Yes |
Where they rank in our lists
| Ranking | Creduma ES | Smava |
|---|---|---|
| Loans for bad credit | 26 of 275 | 63 of 275 |
| Debt consolidation loans | 13 of 425 | 48 of 425 |
| Mortgages | 3 of 719 | 17 of 719 |
| Remortgage deals | 3 of 351 | 14 of 351 |
Ranges side by side
| Fact | Creduma ES | Smava |
|---|---|---|
| Loan amount | from €12,000 | €1,000 to €120,000 |
Where these facts come from
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Smava
- smava.de: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | Smava |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | smava GmbH (HRB 97913, Amtsgericht Charlottenburg) |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 2007 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | Creduma ES | Smava |
|---|---|---|
| Initial rate | Not confirmed | 3.2% |
| APRC | Not confirmed | 3.2% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 110% |
| Product fee | €0 | €0 |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creduma ES | Smava | Median |
|---|---|---|---|
| APR | Not confirmed | -0.4% to 19.9%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €1,000 to €120,000highest quarter | €40,000 |
| Term | Not confirmed | 6 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
Smava
Pros
- Loan amounts run €1,000 to €120,000 with terms of 6 to 120
- Loan types cover personal, car and debt consolidation in one comparison
- A soft prequalification credit check (soft prequal) means you can check rates before a full application
Cons
- Free early repayment: no, so paying a loan off early carries a cost
- Credit needed is fair, and eligibility also requires a German bank account and regular income
- A marketplace, so the rate you get depends on which partner bank responds and the final offer comes from them
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
Smava
Who it suits
- Adults in Germany with a current account at a German bank and regular income
- Anyone consolidating debts, funding a car or improving a home who wants to compare offers rather than one lender
- Borrowers who want a fixed rate over 6 to 120 on a personal loan
Who should look elsewhere
- People who want to repay a loan early at no cost
- Borrowers without regular income or a German current account
- Anyone needing a variable-rate loan, since the model is fixed rate
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
Smava
Current offer
Bonus
500 EUR Amazon.de voucher on taking out a loan: 500 EUR Amazon.de voucher
Loan of at least EUR 30,000 concluded via the 'Zum Kreditvergleich mit Gutschein' button only; voucher sent by email after the 14-day withdrawal period has passed; restrictions apply per amazon.de/gc-legal
Source, checked September 26, 2026
Discount code
Cheaper-goes-does-not-exist guarantee: One-off compensation of the difference if a comparable domestic bank offer is cheaper
Applies to loans brokered via smava; amount follows the offers received in the smava credit comparison, stated without hidden conditions
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Smava |
|---|---|---|
| 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.
Smava
What does Smava charge for setting up a loan?+
There is no origination fee on the personal loan: the arrangement fee is 0 EUR, and the product fee is €0. What you pay instead is interest on the borrowed amount, which is priced at -0.4% to 19.9% for your own profile.
How much can I borrow and over what term?+
Loan amounts run €1,000 to €120,000, and terms run 6 to 120. The rate model is fixed, so the figure you are offered is set at the start and does not drift with market moves.
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