Updated September 29, 2026 · SumCue Editorial Team
Creditilia ES vs Creduma ES
Creditilia ES
Creduma ES
Higher score in this comparison
Creditilia ES vs Creduma ES: the differences
| Compare | Creditilia ESReviewVisitVisit | Creduma ESReviewVisitVisit |
|---|---|---|
| Loan amount | €500 to €50,000 | from €12,000 |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Credit check | Hard | Soft prequal |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Offer in under 24 hours; money in the account in 7 days after signing |
| Lender type | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Secured, Debt consolidation |
| APR | 4% to 289% | Not confirmed |
| Term | 3 to 96 months | Not confirmed |
| Representative example | 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Creduma ES scores higher overall: 8.8 vs 8.7.
- Loan types: only Creditilia ES offers Personal, Payday, Business.
- Loan types: only Creduma ES offers Secured.
Our verdict on each
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.
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 | Creditilia ES | Creduma ES |
|---|---|---|
| Cost | 9.4Fees are EUR 0 - no opening, study or early repayment fee and €0; cost sits in the rate spread of 4% to 289%. | Not confirmed |
| Offer | 8.6 | 9.2HigherOffer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. |
| Trust | 8.1 | 8.5HigherTrust reflects brokerage model described in broker with prequalification shown in soft prequal. |
How they place
| Ranking | Creditilia ES | Creduma ES |
|---|---|---|
| Loans | 55 of 2043 | 43 of 2043 |
| Mortgages | 4 of 853 | 3 of 853 |
Licences and countries
Available in 1 country for both.
From lowest to highest
| Fact | Creditilia ES | Creduma ES |
|---|---|---|
| Loan amount | €500 to €50,000 | from €12,000 |
Every fact side by side
| Fact | Creditilia ES | Creduma ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Not confirmed |
Mortgages
| Fact | Creditilia ES | Creduma ES |
|---|---|---|
| Initial rate | 4% | Not confirmed |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | €0 |
| Purpose | Purchase, Remortgage | Remortgage, Home equity |
Where each stands against the rest
| Fact | Creditilia ES | Creduma ES | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €500 to €50,000above the median | from €12,000below the median | €40,000 |
| Term | 3 to 96 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
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.
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
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.
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 | Creditilia ES | Creduma ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
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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