Updated September 28, 2026 · SumCue Editorial Team
Alior vs Creditilia ES
Alior
Higher score in this comparison
Creditilia ES
Where Alior and Creditilia ES differ
| Compare | AliorReviewVisitVisit | Creditilia ESReviewVisitVisit |
|---|---|---|
| APR | 9.15% | 4% to 289%Lower |
| Loan amount | PLN 500 to PLN 250,000 | €500 to €50,000 |
| Term | 3 to 120 monthsHigher | 3 to 96 months |
| Arrangement fee | 0% (0 PLN) | EUR 0 - no opening, study or early repayment fee |
| Funding time | Funds transferred to the customer's account, possibly the same day | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee |
| Rate type | Variable | Fixed |
| Lender type | Direct lender | Marketplace |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Payday, Debt consolidation, Business, Guarantor, Car |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), Origination fee (%) (0%), Use cases (Home improvement).
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Key differences
- Alior scores higher overall: 8.9 vs 8.7.
- Alior is available in 1 more country.
- APR is lower at Creditilia ES: 4% to 289% vs 9.15%.
- Term is higher at Alior: 3 to 120 months vs 3 to 96 months.
- Support channels: only Alior offers Phone, Help centre.
- Support channels: only Creditilia ES offers Email.
- Pricing model: only Alior offers No monthly fee.
- Pricing model: only Creditilia ES offers Fixed rate.
- Loan types: only Alior offers Credit line.
- Loan types: only Creditilia ES offers Payday, Business, Guarantor.
Our verdict on each
Alior
Alior suits savers who want an easy-access account with no monthly charge and a variable rate of 4%, above where most listed accounts sit. Deposits are covered by the EU deposit guarantee, and the same group covers cards, loans, mortgages, investing and insurance.
Creditilia ES
Creditilia ES suits Spanish adults who want a fixed rate loan sized to €500 to €50,000 and terms of 3 to 96, with home improvement as the stated use. The trade off is the credit check, hard, and contact that runs on email only, so every question and complaint travels in writing.
Score breakdown
| Area | Alior | Creditilia ES |
|---|---|---|
| Cost | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 9.4HigherFees are EUR 0 - no opening, study or early repayment fee and €0; cost sits in the rate spread of 4% to 289%. |
| Offer | 8.8HigherThe offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 8.6 |
| Trust | 8.8Higher | 8.1 |
Ranges side by side
| Fact | Alior | Creditilia ES |
|---|---|---|
| Term | 3 to 120 months | 3 to 96 months |
Side by side, item by item
| Loan types | Alior | Creditilia ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Car | No | Yes |
| Business | No | Yes |
| Guarantor | No | Yes |
| Use cases | Alior | Creditilia ES |
|---|---|---|
| Home improvement | Yes | Yes |
Where these facts come from
Alior
- aliorbank.pl: 14 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- pkobp.pl: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
How they place
| Ranking | Alior | Creditilia ES |
|---|---|---|
| Loans | 121 of 2043 | 55 of 2043 |
| Personal loans | 102 of 1317 | 45 of 1317 |
| Mortgages | 11 of 853 | 4 of 853 |
Every fact side by side
| Fact | Alior | Creditilia ES |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | France | Spain |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Help centre |
Credit cards
| Fact | Alior | Creditilia ES |
|---|---|---|
| Annual fee | PLN 80 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Perks | Travel insurance, Concierge service, Airport lounge access | Not confirmed |
| Card kind | Credit | Not confirmed |
Personal insurance
| Fact | Alior | Creditilia ES |
|---|---|---|
| Premium from | PLN 15,000 | Not confirmed |
| Insurance types | Auto, Home, Life, Travel, Income protection | Not confirmed |
| Provider type | Broker | Not confirmed |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | Not confirmed |
| Claims channels | Phone, Email, Help centre | Not confirmed |
| Age range | Children from birth to 26 years of age | Not confirmed |
Mortgages
| Fact | Alior | Creditilia ES |
|---|---|---|
| Initial rate | 6.52% | 4%Lower |
| APRC | 6.52% | 4.12%Lower |
| Fixed period | 5 years | 5 years |
| Maximum loan to value | 79.14% | Not confirmed |
| Product fee | PLN 0 | €0 |
| Purpose | Purchase | Purchase, RemortgageCovers more |
Brokers
| Fact | Alior | Creditilia ES |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Funds | Not confirmed |
| Platforms | Alior Gielda, Notowania Online 3, Alior 4 Trader | Not confirmed |
Where each stands against the rest
| Fact | Alior | Creditilia ES | Median |
|---|---|---|---|
| APR | 9.15%below the median | 4% to 289%lowest quarter | 9.99% |
| Term | 3 to 120 monthshighest quarter | 3 to 96 monthshighest quarter | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Alior
Pros
- Balances are covered by the EU deposit guarantee: EU DGS up to EUR 100,000
- The account kind is easy access, and interest is credited monthly to the balance, so withdrawals do not stop the rest of the money earning
- The card listed is a credit card on points rewards, with perks covering travel insurance, concierge service and airport lounge access
Cons
- The savings rate is variable, so the headline figure is not held for a set term
- Support runs on phone and help centre only
- Borrowing runs a hard credit check, so applications need a credit file that will pass it
Creditilia ES
Pros
- Free early repayment, a feature shared by 79.2% of the borrowing providers listed.
- No opening, study or early repayment fee on a personal loan, with EUR 0 - no opening, study or early repayment fee.
- Fixed rate lending, so the instalment stays put for the life of the loan on fixed rate products.
Cons
- Rates run 4% to 289%, so the cheap end and the dear end of the market sit on the same page and the headline you meet first is rarely the one you are offered.
- Support runs on email only, so a payment problem is handled in writing with no one to call.
- The check is hard and the credit needed is poor, so the route is aimed at files that need help rather than at the strongest ones.
Who each suits
Alior
Who it suits
- Savers in the EU who want easy access to their money and no monthly charge
- Households that want savings, cards, borrowing, mortgages, investing and insurance with the same provider
- Borrowers who are comfortable with a hard credit check and want funds transferred, possibly the same day
Who should look elsewhere
- Finteres, at 0% to 36%, if the top of that range matters more than reaching the money
- bunq, at 3.01%, if you would rather hold savings with a different brand on a lower headline rate
Creditilia ES
Who it suits
- Adults in Spain with a DNI or NIE, or a passport, who mainly need money for home improvement.
- Borrowers with a poor credit history who accept a hard check in return for offers across €500 to €50,000.
- Spanish borrowers planning a purchase or a remortgage, both covered by purchase and remortgage.
Who should look elsewhere
- Anyone chasing the lowest cost, since Sofkredit quotes rates of 10.74% to 18.06% while the 4% to 289% spread here runs much wider.
- Borrowers who want a phone line as well as written contact, since support runs on email only.
Current offers
Alior
Current offer
Bonus
Promocja na nowe środki - Konto Oszczędnościowe Plus (4% w skali roku do 250 tys. zł przez 90 dni): 4% p.a. on new funds up to PLN 250,000 for 90 days, then standard 0.1% (NBP reference rate /2 minus 2 pp)
Promotion 25.09.2026 to 07.01.2027; reference day 24.09.2026; 90-day promotional period from the first deposit of new funds; new funds = balance above the total on deposit accounts with the same owners on the reference day; adults only; not combinable with other new-funds promotions on the same savings account; not applicable to Rachunek Oszczędnościowy (closed 31.01.2017) or Konto Oszczędnościowe Progres Adm (closed 19.04.2015); accounts must have been opened on or after 27.06.2025.
Source, checked September 26, 2026
Country by country
| Country | Alior | Creditilia ES |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
| Spain | No | Yes |
Questions about each
Alior
What rate does the Alior savings account pay?+
The account pays a variable headline rate of 4%, above the site median of 3% and above bunq at 3.01% and Wise at 3.29%. The rate type is variable, and 53.9% of the accounts listed pay a variable rate, so this is the standard structure here.
Is there a monthly fee on the account?+
The savings account runs on the no monthly fee model, so the monthly fee is listed as PLN 0 and nothing is charged for keeping the balance. Interest is credited monthly to the balance, so deposits and withdrawals carry on earning between credits.
Creditilia ES
What fees does Creditilia ES charge on a personal loan?+
A personal loan carries EUR 0 - no opening, study or early repayment fee, so nothing is taken for setting the loan up, for studying it or for clearing it early. The cost sits in the rate instead, and personal loan rates run 4% to 289%. The representative example shows the shape: a fixed rate, a monthly instalment and a larger total repaid across the term.
How much can I borrow, and for how long?+
Loan sizes are €500 to €50,000, and the term runs 3 to 96. That spread covers a small urgent bill and a larger planned cost inside the same product, and the shorter end of the term keeps the commitment light. With same day funding advertised, a quick need is the clearest fit for this route.
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