Updated September 28, 2026 · SumCue Editorial Team
AU Small Finance Bank vs Creditilia ES
AU Small Finance Bank
Higher score in this comparison
Creditilia ES
What sets them apart
| Compare | AU Small Finance BankReviewVisitVisit | Creditilia ESReviewVisitVisit |
|---|---|---|
| APR | up to 30% | 4% to 289% |
| Loan amount | ₹25,000 to ₹1,500,000 | €500 to €50,000 |
| Term | 12 to 60 months | 3 to 96 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | EUR 0 - no opening, study or early repayment fee |
| Funding time | Within 24 hours | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Rate type | Variable | Fixed |
| Lender type | Direct lender | Marketplace |
| Free early repayment | No | YesHas it |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Origination fee (%) | up to 4% | 0% |
| Loan types | Personal, Debt consolidation | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| Credit needed | Good | Poor |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | 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 |
| Use cases | Not confirmed | Home improvement |
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Key differences
- AU Small Finance Bank scores higher overall: 9.3 vs 8.7.
- Free early repayment: only Creditilia ES.
- Term is higher at Creditilia ES: 3 to 96 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Phone, Help centre.
- Support channels: only Creditilia ES offers Email.
- Loan types: only Creditilia ES offers Payday, Business, Guarantor.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank pays a headline rate of 6.75% on a variable-rate savings account and suits savers who want easy access to their money with a tiny minimum deposit. Support runs on phone and help centre, and the rate sits well above the site median of 3%.
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 | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Cost | 9.5HigherBorrowing runs to an APR of up to 30%, and a personal loan adds Up to 4% of approved loan amount, minimum INR 2,000. | 9.4Fees are EUR 0 - no opening, study or early repayment fee and €0; cost sits in the rate spread of 4% to 289%. |
| Offer | 9.2HigherBeyond the rate, the offer includes a easy access account, monthly interest payouts, unlimited online payments and a doorstep service. | 8.6 |
| Trust | 9.2Higher | 8.1 |
Where each is licensed and available
| Country | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| India | Not confirmed |
Additional countries for AU Small Finance Bank: 1. Additional countries for Creditilia ES: 1.
How they place
| Ranking | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Loans | 87 of 2043 | 55 of 2043 |
| Personal loans | 73 of 1317 | 45 of 1317 |
| Mortgages | 7 of 853 | 4 of 853 |
Feature by feature
| Loan types | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Guarantor | No | Yes |
What we checked
AU Small Finance Bank
- au.bank.in: 18 facts, checked September 26, 2026
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | AU Small Finance Bank | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | India | Spain |
| Founded | 1996 | Not confirmed |
| Support channels | Phone, Help centre |
Credit cards
| Fact | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Initial rate | Not confirmed | 4% |
| APRC | Not confirmed | 4.12% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Brokers
| Fact | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| Minimum deposit | ₹0 | Not confirmed |
Where each stands against the rest
| Fact | AU Small Finance Bank | Creditilia ES | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 4% to 289%lowest quarter | 9.99 |
| Term | 12 to 60 monthsat the median | 3 to 96 monthshighest quarter | 60 |
| Origination fee (%) | up to 4%highest quarter | 0%at the median | 0 |
Median across 1096 listed providers.
Pros and cons
AU Small Finance Bank
Pros
- Headline rate of 6.75% on a variable basis, well above the site median of 3%.
- Minimum deposit of INR 0 on a easy access account, ranked 1 of 379 on that measure.
- Support on phone and help centre, plus a doorstep service for account holders.
Cons
- Free early repayment: no, so settling a loan early comes with a cost.
- Support runs on phone and help centre only.
- A personal loan carries an origination fee of Up to 4% of approved loan amount, minimum INR 2,000.
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
AU Small Finance Bank
Who it suits
- Savers in IN who want a variable rate with easy access and monthly interest payouts.
- Borrowers with good credit who want to deal with the bank as a direct lender.
- People who prefer doorstep service and unlimited online payments alongside a debit card.
Who should look elsewhere
- bunq, whose savings interest is 3.01%, if that rate is enough for you.
- Wise, which pays 3.29% on savings, if you are weighing 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.
Country by country
| Country | AU Small Finance Bank | Creditilia ES |
|---|---|---|
| India | Yes | No |
| Spain | No | Yes |
Questions about each
AU Small Finance Bank
What rate does AU Small Finance Bank pay on savings?+
The digital savings account pays a headline rate of 6.75% and the rate type is variable. Interest is credited every month, and the account is a easy access account, so your money stays reachable while it earns.
Is there a minimum deposit to open the account?+
The minimum deposit is INR 0, so the account can be opened without putting a large sum in. AU Small Finance Bank ranks 1 of 379 on this measure, which keeps it an easy account to start.
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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