Updated October 12, 2026 · BorrowCue Editorial Team
Repagalia ES vs Sofkredit
Facts checked September 26, 2026.
Where Repagalia ES and Sofkredit differ
| Compare |  Repagalia ES |  Sofkredit |
|---|---|---|
| Arrangement fee | Service fee charged, mostly calculated as a percentage of the savings achieved and already included in the liquidation plan | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | None | Soft prequal |
| Eligibility | Individuals and self-employed (autonomos) in Spain with debts causing economic difficulty, with or without declared defaults; the Second Opportunity route additionally requires proven insolvency | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Debt consolidation | Secured, Debt consolidation, BusinessCovers more |
| APR | Not confirmed | 10.74% to 18.06% |
| Loan amount | Not confirmed | €12,000 to €300,000 |
| Term | Not confirmed | 6 to 240 months |
| Funding time | Not confirmed | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | Not confirmed | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 2 more countries.
- Loan types: only Sofkredit offers Secured, Business.
Our verdict on each
Repagalia ES
Repagalia debt consolidation and legal cancellation covers reunification into a single monthly payment and insolvency routes without new borrowing. It is a broker that analyses each case, explains suitable alternatives through its calculator and team, and guides people struggling with multiple loans toward recovery.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Repagalia ES | Sofkredit |
|---|---|---|
| Cost | Not confirmed | 8.5 |
| Offer | 9.2 | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 8.3 | 8.3 |
Positions in our rankings
| Ranking | Repagalia ES | Sofkredit |
|---|---|---|
| Loans for bad credit | 17 of 276 | 2 of 276 |
| Debt consolidation loans | 11 of 425 | 2 of 425 |
What each covers
| Loan types | Repagalia ES | Sofkredit |
|---|---|---|
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Business | No | Yes |
Sources behind this comparison
Repagalia ES
- repagalia.com: 9 facts, checked September 26, 2026
Sofkredit
- sofkredit.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Repagalia ES | Sofkredit |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | REPAGALIA, S.L. | Kova Finance, S.L. |
| Headquarters | Spain | Spain |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Repagalia ES | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Repagalia ES | Sofkredit | Median |
|---|---|---|---|
| APR | Not confirmed | 10.74% to 18.06%above the median | 8.99 |
| Loan amount | Not confirmed | €12,000 to €300,000highest quarter | €40,000 |
| Term | Not confirmed | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%highest quarter | 0.25 |
Median across 1007 listed lenders.
Pros and cons
Repagalia ES
Pros
- Reunifies loans, cards and small credits into one monthly payment
- Offers legal cancellation route for proven insolvency cases
- Provides case analysis plus calculator previewing suitable alternatives
Cons
- Covers only reunification and cancellation, without new loan products
- Service centres on arrears and insolvency rather than standard borrowing
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
Who each suits
Repagalia ES
Who it suits
- People managing several loans, cards or small credits
- People in insolvency seeking legal debt cancellation
- People refused financing due to payment problems
Who should look elsewhere
- People seeking new credit rather than debt reduction
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
Country by country
| Country | Repagalia ES | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| Spain | Yes | Yes |
Questions about each
Repagalia ES
What does Repagalia do?+
Repagalia is a broker that analyses each case and proposes a suitable debt solution. It helps reduce balances through reunification or pursue legal discharge where insolvency allows. The purpose is to replace unmanageable payments with a structured path toward recovery.
Which debts can be brought together?+
The calculator accepts loans, cards and small credits to outline a saving plan. Those balances can be reunified into a single monthly payment that is easier to manage. The approach does not request additional borrowing as part of the reunification.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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