Updated September 29, 2026 · SumCue Editorial Team
CHECK24 vs Creduma ES
CHECK24
Higher score in this comparison
Creduma ES
What sets them apart
| Compare | CHECK24ReviewVisitVisit | Creduma ESReviewVisitVisit |
|---|---|---|
| Loan amount | €500 to €150,000 | from €12,000 |
| Arrangement fee | 0 EUR | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Funding time | as little as 3 minutes at some banks, same day | Offer in under 24 hours; money in the account in 7 days after signing |
| Loan types | Personal, Debt consolidation | Secured, Debt consolidation |
| APR | 0.68% to 19.92% | Not confirmed |
| Term | 12 to 240 months | Not confirmed |
| Representative example | Ratenkredit: 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) | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Soft prequal), Lender type (Broker).
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 8.8.
- CHECK24 is available in 2 more countries.
- Loan types: only CHECK24 offers Personal.
- Loan types: only Creduma ES offers Secured.
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.
Creduma ES
Creduma suits adults resident in Spain who own a home and seek secured debt consolidation through a broker. Loans start at from €12,000 with prequalification shown as soft prequal and support through email and phone. Funding involves an offer after a short wait with payout after a waiting period following signing.
Score breakdown
| Area | CHECK24 | Creduma ES |
|---|---|---|
| Cost | 9.8Origination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | Not confirmed |
| Offer | 9.6Higher | 9.2Offer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. |
| Trust | 8.6Higher | 8.5Trust reflects brokerage model described in broker with prequalification shown in soft prequal. |
Positions in our rankings
| Ranking | CHECK24 | Creduma ES |
|---|---|---|
| Loans | 88 of 2043 | 43 of 2043 |
| Mortgages | 8 of 853 | 3 of 853 |
Availability and regulation
| Country | CHECK24 | Creduma ES |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | Not confirmed |
Available in 1 country for both. Additional countries for CHECK24: 2.
From lowest to highest
| Fact | CHECK24 | Creduma ES |
|---|---|---|
| Loan amount | €500 to €150,000 | from €12,000 |
What we checked
CHECK24
- kredit.check24.de: 10 facts, checked September 26, 2026
- check24.de: 8 facts, checked September 26, 2026
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | Creduma ES |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal GmbH | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centre | Not confirmed |
Savings
| Fact | CHECK24 | Creduma ES |
|---|---|---|
| Headline rate | 3.82% | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | CHECK24 | Creduma ES |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Remortgage, Home equity |
Where each stands against the rest
| Fact | CHECK24 | Creduma ES | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €500 to €150,000highest quarter | from €12,000below the median | €40,000 |
| Term | 12 to 240 monthshighest quarter | Not confirmed | 60 |
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
Creduma ES
Pros
- Secured and debt consolidation focus shown in secured and debt consolidation suits homeowners aiming to combine debts against property value
- Starting loan size of from €12,000 suits larger home equity plans, above Ibancar Prestamos amounts of €600 to €8,000
- Prequalification shown in soft prequal allows initial review with less impact than a full hard check
Cons
- Support runs on email and phone only, which limits choice for people who prefer chat or help centre contact.
- Funding relies on a broker path shown in broker, so approval depends on partner lenders rather than direct lending.
- Borrowing is tied to remortgage and home equity and property collateral, so renters or owners unwilling to pledge a home face a barrier.
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
Creduma ES
Who it suits
- Homeowners in Spain seeking secured borrowing with loans of from €12,000
- Applicants with weaker credit shown as poor who can pledge property as collateral
- Borrowers seeking remortgage or home equity uses shown in remortgage and home equity via a broker shown in broker
Who should look elsewhere
- Renters or borrowers without pledgeable property, where Ibancar Prestamos with amounts of €600 to €8,000 may be more relevant
- Borrowers seeking small unsecured advances, where DKB with amounts of €2,500 to €100,000 may be more relevant
Current offers
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Creduma ES |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | Yes |
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.
Creduma ES
What type of loans does Creduma arrange?+
Creduma arranges secured borrowing and debt consolidation loans shown in secured and debt consolidation. It focuses on home equity and remortgage needs shown in remortgage and home equity. Applicants are adults resident in Spain who own property pledged as collateral. The broker path means terms depend on the matched lender.
How large are Creduma loan amounts?+
Loan sizes start at from €12,000. That level points to larger secured borrowing rather than small unsecured advances. Applicants should compare that starting point with Ibancar Prestamos amounts of €600 to €8,000 and DKB amounts of €2,500 to €100,000 to gauge fit for debt consolidation.
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