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Updated September 28, 2026 · SumCue Editorial Team

CHECK24 vs Creditilia ES

CHECK24 scores 9.3 and Creditilia ES 8.7 out of 10. Compare their differences and shared features below.
CHECK24

CHECK24

Higher score in this comparison

9.3/10
Visit
Creditilia ES

Creditilia ES

8.7/10
Visit

Where CHECK24 and Creditilia ES differ

CHECK24 vs Creditilia ES
CompareCHECK24CHECK24ReviewVisitVisitCreditilia ESCreditilia ESReviewVisitVisit
APR0.68% to 19.92%Lower4% to 289%
Loan amount€500 to €150,000Higher€500 to €50,000
Term12 to 240 monthsHigher3 to 96 months
Arrangement fee0 EUREUR 0 - no opening, study or early repayment fee
Credit checkSoft prequalHard
Funding timeas little as 3 minutes at some banks, same dayOffers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes
Representative exampleRatenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit)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
Lender typeBrokerMarketplace
Loan typesPersonal, Debt consolidationPersonal, Payday, Debt consolidation, Business, Guarantor, CarCovers more
EligibilityNot confirmedAdults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted)
Origination fee (%)Not confirmed0%
Credit neededNot confirmedPoor

Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).

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

  • CHECK24 scores higher overall: 9.3 vs 8.7.
  • CHECK24 is available in 2 more countries.
  • APR is lower at CHECK24: 0.68% to 19.92% vs 4% to 289%.
  • Loan amount is higher at CHECK24: €500 to €150,000 vs €500 to €50,000.
  • Term is higher at CHECK24: 12 to 240 months vs 3 to 96 months.
  • Support channels: only CHECK24 offers Chat, Phone, Help centre.
  • Pricing model: only CHECK24 offers Monthly.
  • Pricing model: only Creditilia ES offers Fixed rate.
  • Loan types: only Creditilia ES offers Payday, Business, Guarantor.

Our verdict on each

CHECK24

CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.

Read the full CHECK24 review

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.

Read the full Creditilia ES review

Score breakdown

CHECK24 vs Creditilia ES
AreaCHECK24Creditilia ES
Cost9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0.9.4Fees are EUR 0 - no opening, study or early repayment fee and €0; cost sits in the rate spread of 4% to 289%.
Offer9.6Higher8.6
Trust8.6Higher8.1

Licences and countries

CHECK24 vs Creditilia ES
CountryCHECK24Creditilia ES
Germany
IHK Frankfurt am Main D-UC2S-PFVJD-82
Handelskammer Hamburg D-I6KJ-85T6H-31
Not confirmed

Available in 1 country for both. Additional countries for CHECK24: 2.

What each covers

CHECK24 vs Creditilia ES
Loan typesCHECK24Creditilia ES
PersonalYesYes
PaydayNoYes
Debt consolidationYesYes
CarNoYes
BusinessNoYes
GuarantorNoYes
CHECK24 vs Creditilia ES
Use casesCHECK24Creditilia ES
Home improvementYesYes

How they place

CHECK24 vs Creditilia ES
RankingCHECK24Creditilia ES
Loans88 of 204355 of 2043
Personal loans74 of 131745 of 1317
Mortgages8 of 8534 of 853

Every fact side by side

CHECK24 vs Creditilia ES
FactCHECK24Creditilia ES
Pricing modelMonthlyFixed rate
FeaturesSame day fundingSame day funding
Legal entityCHECK24 Vergleichsportal GmbHThe Way Media Marketing & Digital Services SL (NIF B44789139)
HeadquartersGermanySpain
Founded1999Not confirmed
Support channelsChat, Email, Phone, Help centreCovers moreEmail

Savings

CHECK24 vs Creditilia ES
FactCHECK24Creditilia ES
Headline rate3.82%Not confirmed
Minimum deposit€0Not confirmed
Access termsDaily-access savings (Tagesgeld), no notice period, cancel at any timeNot confirmed
Monthly fee€0Not confirmed
Account kindEasy accessNot confirmed

Mortgages

CHECK24 vs Creditilia ES
FactCHECK24Creditilia ES
Initial rate3.43%Lower4%
APRC3.5%Lower4.12%
Fixed period10 yearsHigher5 years
Maximum loan to value66%Not confirmed
Product feeNot confirmed€0
PurposePurchase, RemortgagePurchase, Remortgage

Where each stands against the rest

CHECK24 vs Creditilia ES
FactCHECK24Creditilia ESMedian
APR0.68% to 19.92%lowest quarter4% to 289%lowest quarter9.99
Loan amount€500 to €150,000highest quarter€500 to €50,000above the median€40,000
Term12 to 240 monthshighest quarter3 to 96 monthshighest quarter60
Origination fee (%)Not confirmed0%at the median0%

Median across 1096 listed providers.

Pros and cons

CHECK24

Pros

  • Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
  • Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
  • A single catalogue covering auto, home and life, so most household policies can be compared in one place

Cons

  • A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
  • The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
  • The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted

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

CHECK24

Who it suits

  • German households holding several policy types who want one place to compare them all
  • Anyone parking cash in easy-access savings while keeping it reachable at any time
  • Borrowers who want a soft prequalification before a bank runs a full credit check

Who should look elsewhere

  • Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
  • People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
  • Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24

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

CHECK24 vs Creditilia ES
CountryCHECK24Creditilia ES
AustriaYesNo
GermanyYesNo
SpainYesYes

Questions about each

CHECK24

Is CHECK24 a bank or an insurer?+

No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.

How much does it cost to use CHECK24?+

There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.

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.

Other options to compare

CHECK24

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Creditilia ES

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