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Credino ES review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credino ES suits borrowers seeking a small personal loan and a fast initial offer process. Its 81% is high, and the representative example shows a substantially higher total repayment than the amount borrowed, so the cost needs careful attention before an application.

Key facts

Best for
Borrowers seeking a small personal loan with no origination fee and a quick initial offer.
APR
81%↗
Loan amount
€50 to €5,000↗
Term
12 months↗
Arrangement fee
0 EUR↗
Funding time
First offers selected in about 2 minutes↗
Representative example
Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE)↗
Rate type
Fixed↗
Lender type
Broker↗
Loan types
Personal↗
Credit needed
Poor↗
Legal entity
Hyperia s.r.o.↗
Headquarters
Slovakia↗
Support channels
Email↗
Pricing model
Fixed rate
Official website
credino.es

Facts checked September 26, 2026, 1 source

Pros and cons

Pros

  • The personal loan has an origination fee of 0 EUR.
  • First offers are selected in about First offers selected in about 2 minutes.
  • The rate is fixed, which can make the repayment amount more predictable.
  • Loan amounts start at a relatively accessible €50 to €5,000.

Cons

  • The APR is 81%, which is high for a personal loan.
  • The representative example shows a total repayment substantially above the amount borrowed.
  • The stated term is 12, so repayment is concentrated into a short period.
  • Support runs on email only.
Credino ES

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Who it suits

  • Borrowers who want a small personal loan and can manage the high cost of borrowing.
  • People who value a fixed rate and a quick initial offer-selection process.
  • Borrowers who are comfortable applying through a broker rather than dealing directly with a lender.

Who should look elsewhere

  • Anyone prioritising a low APR should consider Sofkredit, whose listed APR is 10.74% to 18.06%.
  • Borrowers seeking a larger loan should consider Creduma ES, whose listed loan amount starts at from €12,000.
  • People wanting a choice of support channels may prefer another provider, since Credino ES offers support by email only.

Safety of your money

Credino ES is a broker rather than the lender itself, so the application process involves matching a borrower with a lender. The representative example describes repayment through monthly instalments and shows the total amount payable. No regulator or licence is listed for Credino ES, so the available information does not establish a named regulatory or deposit-protection framework for this service.

Where it sits among rivals

Credino ES is ranked 566 among 665 brands on loan amount. Its APR ranking is 314 among 338 brands, while its term ranking is 160 among 226 brands. These positions place the service within the broader personal-loan market rather than presenting it as a distinctive outlier.

Rates and costs

The listed APR is 81%, and the origination fee is 0 EUR. The representative example describes a fixed-rate personal loan repaid through monthly instalments, with a total repayment above the amount borrowed. That example is the clearest indication of the cost of borrowing, while the absence of an origination fee does not remove the interest charged.

Who runs it

Credino ES operates through the legal entity Hyperia s.r.o., with its headquarters in Slovakia. It is a broker, meaning the service is presented as an intermediary for personal-loan offers. Customer support is available by email, with email listed as the support channel.

How Credino ES compares

Where Credino ES is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does Credino ES charge?+

Credino ES lists an APR of 81%. The listed origination fee is 0 EUR, but the fee does not remove the interest cost shown in the representative example. Borrowers should assess the total repayment, not just the absence of an origination fee.

What type of loan does Credino ES offer?+

Credino ES offers a personal loan through a broker model. The stated rate type is fixed, which means the rate is fixed rather than variable. The available borrowing amount is €50 to €5,000.

How quickly are offers selected?+

First offers are selected in about First offers selected in about 2 minutes. This refers to offer selection, rather than a guaranteed disbursement time. Borrowers should therefore allow for the process used by the matched lender to complete.

How much can I borrow?+

The available loan amount is €50 to €5,000. The stated term is 12. The representative example shows how the borrowing cost appears when the loan is repaid through monthly instalments.

Is Credino ES a lender or a broker?+

Credino ES is listed as a broker. Its legal entity is Hyperia s.r.o., and its headquarters are in Slovakia. The broker model means the service is used to connect applicants with lending offers rather than presenting itself as the direct lender.

What support is available?+

Customer support is available by email only. Email is the listed support channel. No phone, chat or help-centre channel is stated for Credino ES, so borrowers who prefer live or telephone support may need to consider another provider.

Does Credino ES have a fixed or variable rate?+

Credino ES has a fixed rate. The listed rate type is fixed, and the representative example also describes a fixed interest rate. This can help with budgeting because the rate does not change during the stated term.

How does the representative example describe repayment?+

The representative example describes a loan repaid through monthly instalments over the stated term. It shows the amount borrowed, the total amount repaid and the listed APR. The example makes the overall borrowing cost clearer than the origination fee alone.

Sources

  • credino.es checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Funding time, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Support channels, Term

    “Con Asnef”

Compiled from 1 source page, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credino ES

Credino ES

Borrowers seeking a small personal loan with no origination fee and a quick initial offer.

8.4/10Visit