Updated September 28, 2026 · SumCue Editorial Team
Andacredito vs Credityes ES
Andacredito
Credityes ES
Higher score in this comparison
Andacredito vs Credityes ES: the differences
| Compare | AndacreditoReviewVisitVisit | Credityes ESReviewVisitVisit |
|---|---|---|
| Term | 2 to 3 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR (free for the customer; the service charges no commission for selecting the loan) |
| Funding time | 10 minutes | Money in a few minutes after a positive decision |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Lender type (Broker), Origination fee (%) (0%).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Credityes ES scores higher overall: 8.9 vs 8.8.
- Term is higher at Credityes ES: 2 to 36 months vs 2 to 3 months.
- Loan types: only Andacredito offers Car, Business, Student.
Our verdict on each
Andacredito
Andacredito suits borrowers in Spain who need a small sum quickly and can manage a short repayment window. The broker charges an arrangement fee of 0 EUR and quotes APR of 0% to 36%, with a representative example at 0% to 36% and free early repayment.
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
Score breakdown
| Area | Andacredito | Credityes ES |
|---|---|---|
| Cost | 9.5Arrangement fee of 0 EUR and 0%, APR of 0% to 36%, free early repayment. | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. |
| Offer | 8.4 | 8.4 |
| Trust | 8.5 | 8.5 |
From lowest to highest
| Fact | Andacredito | Credityes ES |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Loan amount | €100 to €5,000 | €100 to €5,000 |
| Term | 2 to 3 months | 2 to 36 months |
Sources behind this comparison
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
How they place
| Ranking | Andacredito | Credityes ES |
|---|---|---|
| Loans | 18 of 2043 | 13 of 2043 |
| Personal loans | 14 of 1317 | 10 of 1317 |
| Payday and short-term loans | 4 of 233 | 2 of 233 |
Every fact side by side
| Fact | Andacredito | Credityes ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | SIA DoAff |
| Headquarters | Estonia | Latvia |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Credityes ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €100 to €5,000below the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | 2 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Andacredito
Pros
- Arrangement fees of 0 EUR and 0% keep the cost of taking out a loan low
- Free early repayment means a clear exit without a charge for settling early
- The representative example shows a small loan with no cost added to what is borrowed
Cons
- Terms run only 2 to 3, far shorter than the 36 seen across the market
- The top of the rate range, 0% to 36%, sits close to the 27.8% typical of payday style lending
- Support runs on email only, so help is written rather than spoken
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
Who each suits
Andacredito
Who it suits
- Adults with a bank account in Spain who meet the 18 or older, bank account in Spain, ability to repay rules
- Borrowers with poor credit who want a quick small sum
- People who can clear a short 2 to 3 term from one payment cycle
Who should look elsewhere
- Anyone needing a long repayment period, since the ceiling is 2 to 3 against the from €12,000 floor at Creduma ES
- Borrowers who want a long term loan at a fixed style rate, where Sofkredit quotes 10.74% to 18.06%
- People who prefer to speak to support, as Andacredito offers email only
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Credityes ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Andacredito
What does Andacredito charge to set up a loan?+
The arrangement fee is 0 EUR and the percentage fee is 0%, so there is no separate charge for arranging the loan. The rate quoted is 0% to 36%, and it is a variable rate, so the figure can change. Early repayment carries no charge either.
Is early repayment free on Andacredito loans?+
Yes, early repayment is free. That matters most on the short 2 to 3 terms the brand offers, because a borrower who clears the balance sooner pays nothing extra for doing so. Many lenders on the site charge for settling early, so this is a point in favour.
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.