Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Ibancar Prestamos
Credigenio ES
Ibancar Prestamos
Higher score in this comparison
Where Credigenio ES and Ibancar Prestamos differ
| Compare | Credigenio ESReviewVisitVisit | Ibancar PrestamosReviewVisitVisit |
|---|---|---|
| APR | 0% to 317%Lower | 12.74% to 13.01% |
| Loan amount | €50 to €5,000 | €600 to €8,000Higher |
| Term | 3 to 4 months | 12 to 60 monthsHigher |
| Funding time | Same day - money can be in your account today | Same day, up to 24 hours |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Lender type | Marketplace | Direct lender |
| Eligibility | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll required | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal, Payday | Personal, Car, Secured |
| Credit needed | Fair | Poor |
| Arrangement fee | 0 EUR - no application, opening or management fee | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Ibancar Prestamos scores higher overall: 9.1 vs 8.7.
- APR is lower at Credigenio ES: 0% to 317% vs 12.74% to 13.01%.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €50 to €5,000.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 3 to 4 months.
- Support channels: only Ibancar Prestamos offers Phone.
- Loan types: only Credigenio ES offers Payday.
- Loan types: only Ibancar Prestamos offers Car, Secured.
Our verdict on each
Credigenio ES
Credigenio ES suits borrowers in Spain who need a small amount quickly and can clear it fast. The offer runs from €50 to €5,000 over 3 to 4 at an APR of 0% to 317%, with 0 EUR - no application, opening or management fee. The rate is the part to read twice before applying.
Ibancar Prestamos
Ibancar Prestamos suits borrowers in Spain who own the car they pledge as collateral and can accept a fixed rate. Money moves in Same day, up to 24 hours, and the 12.74% to 13.01% sits below the site median of 15.5%.
Score breakdown
| Area | Credigenio ES | Ibancar Prestamos |
|---|---|---|
| Cost | 9.5Higher | 8.8 |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 9.3Higher12.74% to 13.01% and €600 to €8,000 with Same day, up to 24 hours, a narrow 12 to 60 range and poor credit accepted. |
| Trust | 8.1 | 9.4Higher |
Ranges side by side
| Fact | Credigenio ES | Ibancar Prestamos |
|---|---|---|
| APR | 0% to 317% | 12.74% to 13.01% |
| Loan amount | €50 to €5,000 | €600 to €8,000 |
| Term | 3 to 4 months | 12 to 60 months |
Pick Credigenio ES if, pick Ibancar Prestamos if
Pick Credigenio ES if cost and apr matter most.
Pick Ibancar Prestamos if offer, loan amount, and term matter most.
How they place
| Ranking | Credigenio ES | Ibancar Prestamos |
|---|---|---|
| Loans | 15 of 2043 | 19 of 2043 |
| Personal loans | 12 of 1317 | 15 of 1317 |
Every fact side by side
| Fact | Credigenio ES | Ibancar Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Ibancar World SL |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 12.74% to 13.01%above the median | 9.99 |
| Loan amount | €50 to €5,000below the median | €600 to €8,000below the median | €40,000 |
| Term | 3 to 4 monthslowest quarter | 12 to 60 monthsat the median | 60 |
Median across 1096 listed providers.
Pros and cons
Credigenio ES
Pros
- No application, opening or management charge: 0 EUR - no application, opening or management fee.
- Money can arrive the same day you apply: Same day - money can be in your account today.
- Free early repayment, so clearing the balance early costs nothing extra.
Cons
- The APR range of 0% to 317% puts the cost far above a typical personal loan rate of 15.5%.
- Support runs on email and help centre only, with no phone line or live chat.
- Terms of 3 to 4 leave little room to spread a larger bill over a longer period.
Ibancar Prestamos
Pros
- Funding lands in Same day, up to 24 hours, and same-day money is uncommon, since only 30.8% of the site offers it
- The 12.74% to 13.01% sits below the site median of 15.5% and the personal loan ranking median of 14.43%
- Borrowing is a direct arrangement with direct lender, so you deal with the entity named in the representative example rather than a middleman
Cons
- Borrowing is secured on your car, so the vehicle is at stake if you miss payments
- The largest loan is €600 to €8,000, well short of the from €12,000 floor at Creduma ES
- Terms run 12 to 60, narrower than the personal loan ranking span of 1 to 480
Who each suits
Credigenio ES
Who it suits
- Borrowers living in Spain with a Spanish bank account and demonstrable income who need cash the same day.
- People who can clear the balance well inside 3 to 4 and want to pay nothing for settling early.
- Anyone who treats a no-fee application as the priority, since 0 EUR - no application, opening or management fee rules out setup charges.
Who should look elsewhere
- Anyone wanting a large sum: €50 to €5,000 is far below from €12,000.
- Borrowers who compare rate first, because the APR of 0% to 317% sits above the 36.5% typical of payday loans.
- People who want to talk to someone on the phone, since support runs on email and help centre only, or who would rather use a lender such as Sofkredit with an APR of 10.74% to 18.06%.
Ibancar Prestamos
Who it suits
- Drivers in mainland Spain, the Balearic Islands and the Canary Islands who own the car they pledge
- Borrowers listed on ASNEF who need money against a vehicle rather than on income alone
- People who want a fixed monthly cost they can see before signing
Who should look elsewhere
- Anyone who does not own the vehicle they would pledge as collateral
- Borrowers wanting unsecured money, since the largest amount here is €600 to €8,000
- Lenders shopping for a rate floor, as 12.74% to 13.01% starts well above the site median of 15.5%
Current offers
Credigenio ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Ibancar Prestamos |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credigenio ES
How much does a loan from Credigenio ES cost?+
There is no application, opening or management charge, since 0 EUR - no application, opening or management fee applies. All of the cost sits in the interest, with the APR running from 0% to 317%. The representative example puts the total repayable figure well above the amount borrowed, so the added cost is the price of the loan.
What is the fastest I can get money from Credigenio ES?+
Funding time is Same day - money can be in your account today, which is the main appeal of the service. The same day speed applies to approved applications, so if you need cash for a same day payment this is one of the few routes to it. You will need your own account at a Spanish bank for the transfer to land.
Ibancar Prestamos
What rate will I pay on a secured car loan?+
The 12.74% to 13.01% covers the product, and the pricing is a fixed rate, so the number you agree does not shift with the market. The site median APR of 15.5% shows this loan sits at the cheaper end of the wider field. Always check the figure on your own offer before signing.
How much can I borrow?+
The range is €600 to €8,000, so the smallest and largest advances are fixed. That ceiling is modest, and it is far below the from €12,000 minimum at Creduma ES. The car you pledge is what sets both the amount and the rate you are offered.