Updated September 28, 2026 · SumCue Editorial Team
Creditilia ES vs Lendela
Creditilia ES
Higher score in this comparison
Lendela
What sets them apart
| Compare | Creditilia ESReviewVisitVisit | LendelaReviewVisitVisit |
|---|---|---|
| APR | 4% to 289% | up to 48% |
| Loan amount | €500 to €50,000 | SGD 1,000 to SGD 200,000 |
| Term | 3 to 96 monthsHigher | 3 to 72 months |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | SGD 0 |
| Credit check | Hard | None |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Around 1-2 days from application to disbursement; some within hours |
| 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 | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Debt consolidation, Business, Secured, Student |
| Credit needed | Poor | Fair |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Marketplace), Use cases (Home improvement).
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Key differences
- Creditilia ES scores higher overall: 8.7 vs 8.5.
- Lendela is available in 1 more country.
- Term is higher at Creditilia ES: 3 to 96 months vs 3 to 72 months.
- Support channels: only Lendela offers Phone, Help centre.
- Features: only Lendela offers Credit line.
- Loan types: only Creditilia ES offers Payday, Guarantor, Car.
- Loan types: only Lendela offers Secured, Student.
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.
Lendela
Lendela suits Singapore citizens and permanent residents who want a personal loan with no credit check and an origination fee of SGD 0. Borrowing covers SGD 1,000 to SGD 200,000 over terms of 3 to 72, and rates can reach up to 48%, the number to weigh before you apply.
Score breakdown
| Area | Creditilia ES | Lendela |
|---|---|---|
| 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 | 9.0Highermarketplace lending, fair credit record and none credit check, so offers come with light entry conditions. |
| Trust | 8.1 | 8.2Higher |
What we checked
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Creditilia ES | Lendela |
|---|---|---|
| Loans | 55 of 2043 | 79 of 2043 |
| Personal loans | 45 of 1317 | 66 of 1317 |
| Mortgages | 4 of 853 | 6 of 853 |
Every fact side by side
| Fact | Creditilia ES | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Lendela Pte. Ltd. |
| Headquarters | Spain | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Lendela |
|---|---|---|
| Initial rate | 4% | 2.4%Lower |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | SGD 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | Lendela | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | up to 48%highest quarter | 9.99 |
| Term | 3 to 96 monthshighest quarter | 3 to 72 monthsabove the median | 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.
Lendela
Pros
- An origination fee of SGD 0 on personal loans, so no charge for setting the loan up.
- Purpose covers personal, debt consolidation and business, and home improvement is a stated use.
- Money often moves quickly: a few days from application to disbursement, and some within hours.
Cons
- The rate ceiling is up to 48%, well above where most borrowers start.
- Support runs on email, phone and help centre only.
- Applicants need a minimum age, Singapore citizenship or permanent residency, and a minimum annual income, with foreign applicants held to a higher income bar.
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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a fair credit record who want to borrow without a credit check.
- People consolidating debt or planning home improvement, both common reasons to borrow here.
- Borrowers who prefer a marketplace where lender quotes sit side by side.
Who should look elsewhere
- Borrowers chasing the lowest rates, who will find Cashspace quoting PHP 12 to PHP 36.
- Euro borrowers, since Creduma ES lists from €12,000 and Lendela works in Singapore dollars.
- Anyone wanting a rate band with room at both ends, since Sofkredit quotes 10.74% to 18.06% against the capped up to 48% here.
Country by country
| Country | Creditilia ES | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | 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.
Lendela
How much can I borrow, and for how long?+
Lendela covers SGD 1,000 to SGD 200,000, with terms of 3 to 72. Features listed include same day funding and credit line, so a credit line is an option for anyone who would rather draw money down gradually than take the full amount at the start.
What rate will I pay?+
Rates at Lendela run as high as up to 48%, well above the 15.5% median for this category. The published representative example is much kinder, pairing a modest rate with a multi-year term, so treat the ceiling as the worst case rather than the expected outcome.
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