Updated September 28, 2026 · BorrowCue Editorial Team
Crezu ES vs Finipay
Where Crezu ES and Finipay differ
| Compare |  Crezu ES |  Finipay |
|---|---|---|
| APR | 0% to 36% | 0% to 212% |
| Loan amount | €100 to €5,000 | €300 to €5,000 |
| Term | 91 to 120 monthsHigher | 3 to 60 months |
| Funding time | money in 15 minutes | Under 24 hours |
| Representative example | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% |
| Eligibility | 18+, internet access, ID document and bank account, Spain | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email |
| Credit check | Soft prequal | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Arrangement fee (0 EUR), Lender type (Broker), Loan types (Personal, Payday, Debt consolidation, Car), Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Crezu ES scores higher overall: 9.0 vs 8.9.
- Term is higher at Crezu ES: 91 to 120 months vs 3 to 60 months.
- Support channels: only Finipay offers Phone, Help centre.
Our verdict on each
Crezu ES
Crezu ES suits Spanish borrowers with a poor credit history who need a small sum the same day. APR runs 0% to 36%, the origination fee is 0 EUR and advertised funding is money in 15 minutes, so the rate you are given rests on the partner lender who responds.
Finipay
Finipay suits Spanish adults with poor credit who need a small euro loan quickly and want no set-up charge. The trade-off is cost: an APR band of 0% to 212% and a representative example where a short loan costs far more to repay than to borrow.
Score breakdown
| Area | Crezu ES | Finipay |
|---|---|---|
| Cost | 9.9Higher | 9.7The 0% to 212% band is far wider than the 12.25% midpoint for personal loans here, so cost depends almost entirely on your credit file. |
| Offer | 8.8Broker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. | 8.8 |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Crezu ES | Finipay |
|---|---|---|
| APR | 0% to 36% | 0% to 212% |
| Loan amount | €100 to €5,000 | €300 to €5,000 |
| Term | 91 to 120 months | 3 to 60 months |
If neither fits
Sofkredit has term at 6 to 240 months, against 91 to 120 months for Crezu ES and 3 to 60 months for Finipay.
Sofkredit reviewSources behind this comparison
Crezu ES
- crezu.es: 16 facts, checked September 26, 2026
Finipay
- finipay.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Crezu ES | Finipay |
|---|---|---|
| Personal loans | 47 of 1932 | 19 of 1932 |
| Payday and short-term loans | 23 of 246 | 7 of 246 |
| Loans for bad credit | 29 of 275 | 12 of 275 |
| Debt consolidation loans | 17 of 425 | 9 of 425 |
| Car loans | 11 of 431 | 6 of 431 |
| Home improvement loans | 20 of 562 | 9 of 562 |
Every fact side by side
| Fact | Crezu ES | Finipay |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Finceptiv OU |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Crezu ES | Finipay | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 212%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €300 to €5,000lowest quarter | €40,000 |
| Term | 91 to 120 monthshighest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Crezu ES
Pros
- APR runs 0% to 36%, so the headline cost sits at the low end of what lenders charge
- The origination fee is 0 EUR, and the representative example shows costs of nothing and a total repayable equal to the amount borrowed
- Funding is advertised at money in 15 minutes, which suits an urgent bill
Cons
- Crezu ES lists its lender kind as a broker (broker), so the rate you are offered depends on which partner responds
- APR can reach 0% to 36% at the top of the range, well above the 12% typical across the site
- Support runs on email only, with no phone or chat route listed
Finipay
Pros
- Setting the loan up adds nothing: the origination fee is 0 EUR, so no charge is bolted on to the interest.
- Money arrives in Under 24 hours, and same-day funding sits in same day funding.
- Poor credit is the target: poor means the service is aimed at files mainstream lenders decline.
Cons
- Finipay is a broker rather than the lender (broker), so the rate is set by a partner lender and its terms are not spelled out here.
- The cost of a short term is severe: the representative example repays far more than it lends, and the top of 0% to 212% is steep.
- Borrowing stops at €300 to €5,000, so a larger renovation, car purchase or consolidation job needs another provider.
Who each suits
Crezu ES
Who it suits
- Adults in Spain with a poor credit history who need a small sum quickly
- Borrowers who want to see an offer through a soft prequalification rather than a full credit search
- Anyone comfortable letting a broker pass their details to partner lenders
Who should look elsewhere
- Monzo Flex readers, whose APR is 10% to 23% and who want a longer term for a larger sum
- Cashspace readers, whose APR is PHP 12 to PHP 36
- Borrowers who need phone or chat support, since Crezu ES lists email
Finipay
Who it suits
- Adults in Spain with poor credit who need a modest sum quickly and would be turned down elsewhere, since poor is the level Finipay targets.
- Borrowers who want a fee-free set-up and a fast transfer, and who will read the representative example before choosing a term.
- People covering a car, a bill to consolidate or a home improvement, given personal, payday and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers with a strong file who want the cheapest rate: Monzo Flex holds its APR at 10% to 23%, well under the top of Finipay's 0% to 212%.
- Anyone who needs to borrow more than €300 to €5,000: Cashspace lists its rate in Philippine pesos at PHP 12 to PHP 36, so it is not a euro answer to a larger sum.
- Shoppers chasing an interest-free headline rate: Cashspace ES shows an APR of 0%, while Finipay's 0% to 212% is the band where a real rate is quoted.
Current offers
Crezu ES
Current offer
Bonus
Primer prestamo sin coste (0% APR) para nuevos usuarios: 0% APR, costs 0 EUR
New users only; applies to partner lender offers
Source, checked September 26, 2026
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
Source, checked September 26, 2026
Country by country
| Country | Crezu ES | Finipay |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Crezu ES
What APR does Crezu ES charge?+
Crezu ES publishes APR of 0% to 36%, from the lowest pricing to the highest. Because the brand is a broker, the rate depends on which partner lender responds and on your credit profile, so the lower end of the range is a starting point rather than the expected outcome. The median APR across the site is 12%.
Is there an arrangement or origination fee?+
The origination fee is 0 EUR, so there is no separate charge for setting the loan up. The representative example shows costs of nothing on a small short term borrowing, with a total repayable equal to the amount borrowed. Interest is the only element in that example.
Finipay
Is there a fee for taking out a Finipay loan?+
No arrangement charge is added. The origination fee is 0 EUR, so the money you arrange does not shrink before it reaches you. What you pay is interest on the loan, and the size of that depends on the rate you are offered and the term you choose.
How much can I borrow, and for how long?+
Loans run €300 to €5,000, and terms run 3 to 60 months. That range is built for short and medium needs such as a repair, a car deposit or a bill to consolidate. It is not a route to a large renovation, because the ceiling is well below what the biggest lenders here arrange.