Updated September 28, 2026 · BorrowCue Editorial Team
Crezu ES vs Ibancar Prestamos
Crezu ES vs Ibancar Prestamos: the differences
| Compare |  Crezu ES |  Ibancar Prestamos |
|---|---|---|
| APR | 0% to 36%Lower | 12.74% to 13.01% |
| Loan amount | €100 to €5,000 | €600 to €8,000Higher |
| Term | 91 to 120 monthsHigher | 12 to 60 months |
| Funding time | money in 15 minutes | Same day, up to 24 hours |
| Representative example | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Lender type | Broker | Direct lender |
| Eligibility | 18+, internet access, ID document and bank account, Spain | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal, Payday, Debt consolidation, Car | Personal, Car, Secured |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- APR is lower at Crezu ES: 0% to 36% vs 12.74% to 13.01%.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €100 to €5,000.
- Term is higher at Crezu ES: 91 to 120 months vs 12 to 60 months.
- Support channels: only Ibancar Prestamos offers Phone, Help centre.
- Loan types: only Crezu ES offers Payday, Debt consolidation.
- Loan types: only Ibancar Prestamos offers Secured.
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.
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
Score breakdown
| Area | Crezu ES | Ibancar Prestamos |
|---|---|---|
| Cost | 9.9Higher | 8.7 |
| Offer | 8.8Broker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. |
| Trust | 8.3 | 9.2Higher |
From lowest to highest
| Fact | Crezu ES | Ibancar Prestamos |
|---|---|---|
| APR | 0% to 36% | 12.74% to 13.01% |
| Loan amount | €100 to €5,000 | €600 to €8,000 |
| Term | 91 to 120 months | 12 to 60 months |
What each covers
| Loan types | Crezu ES | Ibancar Prestamos |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Secured | No | Yes |
| Car | Yes | Yes |
Where these facts come from
Crezu ES
- crezu.es: 16 facts, checked September 26, 2026
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
How they place
| Ranking | Crezu ES | Ibancar Prestamos |
|---|---|---|
| Personal loans | 47 of 1932 | 15 of 1932 |
| Loans for bad credit | 29 of 275 | 10 of 275 |
| Car loans | 11 of 431 | 4 of 431 |
Every fact side by side
| Fact | Crezu ES | Ibancar Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Ibancar World SL |
| Headquarters | Estonia | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Crezu ES | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 12.74% to 13.01%above the median | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €600 to €8,000below the median | €40,000 |
| Term | 91 to 120 monthshighest quarter | 12 to 60 monthsat the median | 60 |
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
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender 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
Country by country
| Country | Crezu ES | Ibancar Prestamos |
|---|---|---|
| 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.
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
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