Updated September 28, 2026 · SumCue Editorial Team
Creditilia ES vs LowestRates.ca
Creditilia ES
LowestRates.ca
Higher score in this comparison
Creditilia ES vs LowestRates.ca: the differences
| Compare | Creditilia ESReviewVisitVisit | LowestRates.caReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 4% to 289%Lower | 10% |
| Loan amount | €500 to €50,000 | CA$500 to CA$45,000 |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 |
| Credit check | Hard | Soft prequal |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | within 24 hours |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | 18 or older, Canadian residency, Canadian bank account, minimum 12 months credit history, minimum income $1,250 per month, employed at least three months |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Debt consolidation, Business, Car, Bridging, Student |
| 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 |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Marketplace), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- LowestRates.ca scores higher overall: 8.8 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 10%.
- Support channels: only Creditilia ES offers Email.
- Support channels: only LowestRates.ca offers Help centre.
- Pricing model: only Creditilia ES offers Fixed rate.
- Pricing model: only LowestRates.ca offers Monthly.
- Loan types: only Creditilia ES offers Payday, Guarantor.
- Loan types: only LowestRates.ca offers Bridging, 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.
LowestRates.ca
LowestRates.ca suits Canadian households who want to price cover, borrowing and a mortgage in one pass, because it is a comparison site and a marketplace rather than a provider of its own. Entry premiums start at CAD 0, personal loans run CAD 500 to CAD 45,000, and early repayment is free.
Score breakdown
| Area | Creditilia ES | LowestRates.ca |
|---|---|---|
| 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%. | 9.5HigherCosts sit low across products: the loan origination fee is 0 and the mortgage product fee is CAD 0, against an APR of 10%. |
| Offer | 8.6 | 8.6 |
| Trust | 8.1 | 8.3Higher |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditilia ES
628.63 to 76,736.69
628.63 to 76,736.69
LowestRates.ca
1,616.19
1,616.19
Creditilia ES comes out 987.56 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | Creditilia ES | LowestRates.ca |
|---|---|---|
| Loans | 55 of 2043 | 907 of 2043 |
| Personal loans | 45 of 1317 | 806 of 1317 |
| Mortgages | 4 of 853 | 394 of 853 |
Every fact side by side
| Fact | Creditilia ES | LowestRates.ca |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Features | Same day funding | Not confirmed |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Rates.ca Group Ltd. |
| Headquarters | Spain | Canada |
| Founded | Not confirmed | 2012 |
| Support channels | Help centre |
Mortgages
| Fact | Creditilia ES | LowestRates.ca |
|---|---|---|
| Initial rate | 4% | 3.89%Lower |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | 5 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | €0 | CA$0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage, First time buyer, Home equityCovers more |
Where each stands against the rest
| Fact | Creditilia ES | LowestRates.ca | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 10%above the median | 9.99 |
| 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.
LowestRates.ca
Pros
- Premiums start at CAD 0, the floor of the insurance table and the easiest figure to sort on.
- Personal loans run CAD 500 to CAD 45,000 and the credit check is soft prequal, so a reader can see the price without a full search.
- Free early repayment is available, so a loan can be cleared ahead of schedule without a charge.
Cons
- Support runs on help centre only, so a question about a live application has fewer routes than a staffed desk.
- Loan amounts run CAD 500 to CAD 45,000, so a renovation or consolidation bill near the top of that range needs a different product.
- The fixed period of 5 is short against a wider market where the longest fixes reach 40.
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.
LowestRates.ca
Who it suits
- Canadian households comparing auto, home and life cover who want a starting price before they apply.
- Borrowers who would rather see a rate than have a file searched, since the loan search runs as soft prequal.
- Homebuyers with a purchase or a remortgage in view, since mortgage quotes cover purchase, remortgage and first time buyer.
Who should look elsewhere
- Readers who want a single provider behind the cover rather than a table, where Linxea sets its own starting premium of €25.
- Anyone starting from a bank app rather than a comparison, such as bunq or bunq Spain, which also show a starting premium of €0.
- Applicants without Canadian residency, a Canadian bank account and a credit history of a minimum length.
Country by country
| Country | Creditilia ES | LowestRates.ca |
|---|---|---|
| Canada | 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.
LowestRates.ca
What is the starting premium at LowestRates.ca?+
Entry premiums start at CAD 0, which is the figure shown at the top of the insurance table. Because LowestRates.ca is a comparison site, that is a starting point for cover rather than a quote for an individual risk. The price a reader pays is set by the insurer that returns the quote.
Can I pay for insurance monthly?+
Monthly payments are available on the insurance side, with monthly as the listed payment model. That spreads a policy into regular amounts across the year rather than a single larger payment. Readers who budget tightly can plan around a fixed sum instead of a yearly bill that lands at once.
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Creditilia ES
LowestRates.ca