Updated September 28, 2026 · SumCue Editorial Team
Creditilia ES vs ICICI Bank
Creditilia ES
ICICI Bank
Higher score in this comparison
What sets them apart
| Compare | Creditilia ESReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| APR | 4% to 289%Lower | 9.99% to 16.5% |
| Loan amount | €500 to €50,000 | ₹50,000 to ₹5,000,000 |
| Term | 3 to 96 monthsHigher | 12 to 72 months |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Instant disbursement |
| Rate type | Fixed | Variable |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | 0%Lower | 2% |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more | Personal, Debt consolidation |
| Credit needed | Poor | Good |
| 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 |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- ICICI Bank scores higher overall: 8.9 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 9.99% to 16.5%.
- Free early repayment: only Creditilia ES.
- Origination fee (%) is lower at Creditilia ES: 0% vs 2%.
- Term is higher at Creditilia ES: 3 to 96 months vs 12 to 72 months.
- Support channels: only Creditilia ES offers Email.
- Support channels: only ICICI Bank offers Phone, Help centre, Chat.
- Features: only Creditilia ES offers Same day funding.
- Features: only ICICI Bank offers Rewards.
- Loan types: only Creditilia ES offers Payday, Business, Guarantor.
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.
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Score breakdown
| Area | Creditilia ES | ICICI Bank |
|---|---|---|
| Cost | 9.4HigherFees are EUR 0 - no opening, study or early repayment fee and €0; cost sits in the rate spread of 4% to 289%. | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. |
| Offer | 8.6 | 9.4Higher |
| Trust | 8.1 | 9.0Higher |
From lowest to highest
| Fact | Creditilia ES | ICICI Bank |
|---|---|---|
| APR | 4% to 289% | 9.99% to 16.5% |
| Term | 3 to 96 months | 12 to 72 months |
Choosing between them
Pick Creditilia ES if cost, apr, term, and free early repayment matter most.
Pick ICICI Bank if offer and trust matter most.
How they place
| Ranking | Creditilia ES | ICICI Bank |
|---|---|---|
| Loans | 55 of 2043 | 124 of 2043 |
| Personal loans | 45 of 1317 | 104 of 1317 |
| Mortgages | 4 of 853 | 13 of 853 |
Every fact side by side
| Fact | Creditilia ES | ICICI Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Rewards |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | ICICI Bank Ltd. |
| Headquarters | Spain | India |
| Founded | Not confirmed | 1994 |
| Support channels | Phone, Help centre, Chat |
Mortgages
| Fact | Creditilia ES | ICICI Bank |
|---|---|---|
| Initial rate | 4%Lower | 7.55% |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Credit cards
| Fact | Creditilia ES | ICICI Bank |
|---|---|---|
| Annual fee | Not confirmed | ₹3,500 |
| Currency conversion fee | Not confirmed | 3.5% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend |
| Perks | Not confirmed | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket |
| Card kind | Not confirmed | Credit |
Brokers
| Fact | Creditilia ES | ICICI Bank |
|---|---|---|
| Minimum deposit | Not confirmed | ₹2,500 to ₹15,000 |
Savings
| Fact | Creditilia ES | ICICI Bank |
|---|---|---|
| Headline rate | Not confirmed | 2.5% |
| Access terms | Not confirmed | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
| Account kind | Not confirmed | Easy access |
Where each stands against the rest
| Fact | Creditilia ES | ICICI Bank | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 9.99% to 16.5%at the median | 9.99 |
| Term | 3 to 96 monthshighest quarter | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%at the median | 2%above the median | 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.
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
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.
ICICI Bank
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Current offers
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | Creditilia ES | ICICI Bank |
|---|---|---|
| India | No | Yes |
| Spain | Yes | No |
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.
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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