Updated September 29, 2026 · BorrowCue Editorial Team
Crezu ES vs Quick Car Finance
Where Crezu ES and Quick Car Finance differ
| Compare |  Crezu ES |  Quick Car Finance |
|---|---|---|
| APR | 0% to 36%Lower | 9.9% to 60% |
| Loan amount | €100 to €5,000 | £3,000 to £50,000 |
| Term | 91 to 120 monthsHigher | 12 to 60 months |
| Arrangement fee | 0 EUR | 0 |
| Funding time | money in 15 minutes | 1-3 working days |
| Representative example | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Eligibility | 18+, internet access, ID document and bank account, Spain | 18+, UK resident |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Car |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Soft prequal), Lender type (Broker), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Crezu ES scores higher overall: 9.0 vs 8.7.
- APR is lower at Crezu ES: 0% to 36% vs 9.9% to 60%.
- Term is higher at Crezu ES: 91 to 120 months vs 12 to 60 months.
- Loan types: only Crezu ES offers Personal, Payday, Debt consolidation.
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.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | Crezu ES | Quick Car Finance |
|---|---|---|
| Cost | 9.9Higher | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.8Broker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 8.3 | 8.6HigherBroker model of broker under licence 764855. |
Licences and countries
| Country | Crezu ES | Quick Car Finance |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 764855 |
Additional countries for Crezu ES: 1. Additional countries for Quick Car Finance: 1.
Which one suits you
Pick Crezu ES if cost, apr, term, and loan types matter most.
Pick Quick Car Finance if offer and trust matter most.
Positions in our rankings
| Ranking | Crezu ES | Quick Car Finance |
|---|---|---|
| Loans for bad credit | 29 of 275 | 3 of 275 |
| Car loans | 11 of 431 | 2 of 431 |
What we checked
Crezu ES
- crezu.es: 16 facts, checked September 26, 2026
Quick Car Finance
- quickcarfinance.co.uk: 14 facts, checked September 28, 2026
Every fact side by side
| Fact | Crezu ES | Quick Car Finance |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Not confirmed |
Where each stands against the rest
| Fact | Crezu ES | Quick Car Finance | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 9.9% to 60%above the median | 8.99 |
| 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
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
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 | Quick Car Finance |
|---|---|---|
| Spain | Yes | No |
| United Kingdom | No | 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.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.