Updated September 29, 2026 · SumCue Editorial Team
CIMB Bank vs Creduma ES
CIMB Bank
Higher score in this comparison
Creduma ES
CIMB Bank vs Creduma ES: the differences
| Compare | CIMB BankReviewVisitVisit | Creduma ESReviewVisitVisit |
|---|---|---|
| Loan amount | MYR 2,000 to MYR 100,000 | from €12,000 |
| Arrangement fee | RM0 (no processing fee) | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Funding time | Instant disbursement; approved and disbursed in 10 minutes | Offer in under 24 hours; money in the account in 7 days after signing |
| Lender type | Direct lender | Broker |
| Eligibility | Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed over 6 consecutive months | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Loan types | Personal | Secured, Debt consolidation |
| APR | 15% | Not confirmed |
| Term | 24 to 84 months | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Representative example | Cash Plus Personal Loan: fixed 4.38% p.a. equivalent to effective interest rate 8.08% p.a. on 5-year tenure | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0.5% | Not confirmed |
| Credit needed | Not confirmed | Poor |
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Key differences
- Loan types: only CIMB Bank offers Personal.
- Loan types: only Creduma ES offers Secured, Debt consolidation.
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).
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 | CIMB Bank | Creduma ES |
|---|---|---|
| Cost | 9.2 | Not confirmed |
| Offer | 8.2 | 9.2HigherOffer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. |
| Trust | Not confirmed | 8.5Trust reflects brokerage model described in broker with prequalification shown in soft prequal. |
Positions in our rankings
| Ranking | CIMB Bank | Creduma ES |
|---|---|---|
| Loans | 127 of 2043 | 43 of 2043 |
| Mortgages | 14 of 853 | 3 of 853 |
What each covers
| Loan types | CIMB Bank | Creduma ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
Sources behind this comparison
CIMB Bank
- cimb.com.my: 16 facts, checked September 26, 2026
- ringgitplus.com: 1 fact, checked September 26, 2026
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | CIMB Bank | Creduma ES |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Not confirmed |
| Legal entity | CIMB Bank Berhad | Not confirmed |
| Headquarters | Malaysia | Not confirmed |
| Support channels | Help centre | Not confirmed |
Savings
| Fact | CIMB Bank | Creduma 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 | Creduma 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 | Creduma ES |
|---|---|---|
| Initial rate | 4.8% to 5.2% | Not confirmed |
| Maximum loan to value | 100% | Not confirmed |
| Product fee | MYR 0 | €0 |
| Purpose | Purchase, First time buyer | Remortgage, Home equity |
Where each stands against the rest
| Fact | CIMB Bank | Creduma ES | Median |
|---|---|---|---|
| APR | 15%above the median | Not confirmed | 9.99% |
| Term | 24 to 84 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | 0.5%above the median | Not confirmed | 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
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
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
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 | CIMB Bank | Creduma 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.
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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