Updated September 28, 2026 · SumCue Editorial Team
CIMB Bank vs Creditilia ES
CIMB Bank
Higher score in this comparison
Creditilia ES
CIMB Bank vs Creditilia ES: the differences
| Compare | CIMB BankReviewVisitVisit | Creditilia ESReviewVisitVisit |
|---|---|---|
| APR | 15% | 4% to 289%Lower |
| Loan amount | MYR 2,000 to MYR 100,000 | €500 to €50,000 |
| Term | 24 to 84 months | 3 to 96 monthsHigher |
| Arrangement fee | RM0 (no processing fee) | EUR 0 - no opening, study or early repayment fee |
| Funding time | Instant disbursement; approved and disbursed in 10 minutes | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Representative example | Cash Plus Personal Loan: fixed 4.38% p.a. equivalent to effective interest rate 8.08% p.a. on 5-year tenure | 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 | Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed over 6 consecutive months | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Origination fee (%) | 0.5% | 0%Lower |
| Loan types | Personal | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| Credit check | Not confirmed | Hard |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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Key differences
- CIMB Bank scores higher overall: 8.8 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 15%.
- Origination fee (%) is lower at Creditilia ES: 0% vs 0.5%.
- Term is higher at Creditilia ES: 3 to 96 months vs 24 to 84 months.
- Support channels: only CIMB Bank offers Help centre.
- Support channels: only Creditilia ES offers Email.
- Pricing model: only CIMB Bank offers No annual fee.
- Pricing model: only Creditilia ES offers Fixed rate.
- Features: only CIMB Bank offers Rewards.
- Features: only Creditilia ES offers Same day funding.
Our verdict on each
CIMB Bank
CIMB Bank suits Malaysian savers and borrowers who want plain costs and fast access to money. Its easy-access Basic Savings Account pays 0.25% on variable terms with no annual fee, and its Cash Plus personal loan carries an arrangement fee of RM0 (no processing fee).
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 | CIMB Bank | Creditilia ES |
|---|---|---|
| Cost | 9.2 | 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 | 8.2 | 8.6Higher |
| Trust | Not confirmed | 8.1 |
Where they rank in our lists
| Ranking | CIMB Bank | Creditilia ES |
|---|---|---|
| Loans | 127 of 2043 | 55 of 2043 |
| Personal loans | 106 of 1317 | 45 of 1317 |
| Mortgages | 14 of 853 | 4 of 853 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
CIMB Bank
2,479.52
2,479.52
Creditilia ES
628.63 to 76,736.69
628.63 to 76,736.69
Creditilia ES comes out 1,850.89 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Side by side, item by item
| Loan types | CIMB Bank | Creditilia ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Guarantor | No | Yes |
From lowest to highest
| Fact | CIMB Bank | Creditilia ES |
|---|---|---|
| Term | 24 to 84 months | 3 to 96 months |
Every fact side by side
| Fact | CIMB Bank | Creditilia ES |
|---|---|---|
| Pricing model | No annual fee | Fixed rate |
| Features | Rewards | Same day funding |
| Legal entity | CIMB Bank Berhad | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Malaysia | Spain |
| Support channels | Help centre |
Savings
| Fact | CIMB Bank | Creditilia ES |
|---|---|---|
| Headline rate | 0.25% | Not confirmed |
| Minimum deposit | MYR 20 | Not confirmed |
| Access terms | Withdraw funds at any time from an ATM, online, or at a branch | Not confirmed |
| Monthly fee | MYR 0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Credit cards
| Fact | CIMB Bank | Creditilia ES |
|---|---|---|
| Annual fee | MYR 0 | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | Unlimited Cash Rebate | Not confirmed |
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | CIMB Bank | Creditilia ES |
|---|---|---|
| Initial rate | 4.8% to 5.2% | 4%Lower |
| APRC | Not confirmed | 4.12% |
| Fixed period | Not confirmed | 5 years |
| Maximum loan to value | 100% | Not confirmed |
| Product fee | MYR 0 | €0 |
| Purpose | Purchase, First time buyer | Purchase, Remortgage |
Where each stands against the rest
| Fact | CIMB Bank | Creditilia ES | Median |
|---|---|---|---|
| APR | 15%above the median | 4% to 289%lowest quarter | 9.99% |
| Term | 24 to 84 monthsabove the median | 3 to 96 monthshighest quarter | 60 |
| Origination fee (%) | 0.5%above the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
CIMB Bank
Pros
- The debit card carries an annual fee of MYR 0, so there is no yearly charge to hold it
- Personal loans charge an arrangement fee of RM0 (no processing fee), plus 0.5% on the loan amount
- Funding time is listed as Instant disbursement; approved and disbursed in 10 minutes, so an approved loan does not sit waiting on a payout
Cons
- Support runs on help centre only, so most questions are handled through the help centre itself
- The savings rate is variable at 0.25%, so the return can rise or fall with the base rate
- Loan eligibility is limited to Malaysian citizens who are adults, with a minimum monthly gross income and a waiting period of employment
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
CIMB Bank
Who it suits
- Malaysian adults who want an easy-access savings balance held with no monthly fee
- Borrowers who want a personal loan with an arrangement fee of RM0 (no processing fee) and quick disbursement
- First-time home buyers using the CIMB My First Home purchase route with up to 100% loan to value
Who should look elsewhere
- Anyone outside Malaysia, since the personal loan eligibility rests on Malaysian citizenship
- Savers who want a locked rate, because the rate type on the savings account is variable
- Borrowers who cannot meet the minimum monthly gross income requirement for approval
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 | CIMB Bank | Creditilia ES |
|---|---|---|
| Spain | No | Yes |
Questions about each
CIMB Bank
What rate does the Basic Savings Account pay?+
It pays a headline rate of 0.25% at a variable rate type, so the return follows the base rate. The account opens with a minimum deposit of MYR 20, and the monthly fee is MYR 0.
How much does it cost to hold a CIMB Bank account?+
The monthly fee on the savings account is MYR 0, and the annual fee on the cards is MYR 0. Money in the savings account is easy-access, so you can take it out whenever you need it, at an ATM, online or at a branch counter.
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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