Updated September 28, 2026 · BorrowCue Editorial Team
Crezu ES vs Finteres
Crezu ES vs Finteres: the differences
| Compare |  Crezu ES |  Finteres |
|---|---|---|
| Term | 91 to 120 monthsHigher | 3 to 4 months |
| Funding time | money in 15 minutes | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Representative example | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Eligibility | 18+, internet access, ID document and bank account, Spain | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Arrangement fee (0 EUR), Credit check (Soft prequal), Lender type (Broker), Loan types (Personal, Payday, Debt consolidation, Car), Credit needed (Poor).
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Key differences
- Crezu ES scores higher overall: 9.0 vs 8.8.
- Term is higher at Crezu ES: 91 to 120 months vs 3 to 4 months.
- Support channels: only Finteres 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.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | Crezu ES | Finteres |
|---|---|---|
| Cost | 9.9Higher | 9.5Arrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 8.8HigherBroker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. | 8.7 |
| Trust | 8.3 | 8.3 |
Ranges side by side
| Fact | Crezu ES | Finteres |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Loan amount | €100 to €5,000 | €100 to €5,000 |
| Term | 91 to 120 months | 3 to 4 months |
How they place
| Ranking | Crezu ES | Finteres |
|---|---|---|
| Personal loans | 47 of 1932 | 27 of 1932 |
| Payday and short-term loans | 23 of 246 | 12 of 246 |
| Loans for bad credit | 29 of 275 | 16 of 275 |
| Debt consolidation loans | 17 of 425 | 10 of 425 |
| Car loans | 11 of 431 | 9 of 431 |
Every fact side by side
| Fact | Crezu ES | Finteres |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Crezu ES | Finteres | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 91 to 120 monthshighest quarter | 3 to 4 monthslowest quarter | 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
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
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
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
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
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Crezu ES | Finteres |
|---|---|---|
| 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.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.