Updated September 28, 2026 · SumCue Editorial Team
Creditilia ES vs Sofkredit
Creditilia ES
Higher score in this comparison
Sofkredit
What sets them apart
| Compare | Creditilia ESReviewVisitVisit | SofkreditReviewVisitVisit |
|---|---|---|
| APR | 4% to 289%Lower | 10.74% to 18.06% |
| Loan amount | €500 to €50,000 | €12,000 to €300,000Higher |
| Term | 3 to 96 months | 6 to 240 monthsHigher |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Hard | Soft prequal |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| 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 | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Lender type | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | 0%Lower | 6% to 9% |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Secured, Debt consolidation, Business |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
Same on both: Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Sofkredit is available in 2 more countries.
- APR is lower at Creditilia ES: 4% to 289% vs 10.74% to 18.06%.
- Origination fee (%) is lower at Creditilia ES: 0% vs 6% to 9%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €500 to €50,000.
- Term is higher at Sofkredit: 6 to 240 months vs 3 to 96 months.
- Support channels: only Sofkredit offers Phone, Help centre.
- Loan types: only Creditilia ES offers Personal, Payday, Guarantor.
- Loan types: only Sofkredit 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.
Sofkredit
Sofkredit suits Spanish adults who want a substantial secured, consolidation, business or mortgage-guaranteed loan placed with a specialist lender. The published APR is 10.74% to 18.06% and a collaborating lender adds a commission, so the total repayable matters more than the headline rate.
Score breakdown
| Area | Creditilia ES | Sofkredit |
|---|---|---|
| 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%. | 8.6 |
| Offer | 8.6 | 9.4HigherAmounts of €12,000 to €300,000 at an APR of 10.74% to 18.06%, with secured, consolidation, business and mortgage-guaranteed lending and same-day funding. |
| Trust | 8.1 | 8.5Higher |
Choosing between them
Pick Creditilia ES if cost, apr, and origination fee (%) matter most.
Pick Sofkredit if offer, trust, loan amount, and term matter most.
What each covers
| Loan types | Creditilia ES | Sofkredit |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | No |
| Business | Yes | Yes |
| Guarantor | Yes | No |
| Use cases | Creditilia ES | Sofkredit |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Creditilia ES | Sofkredit |
|---|---|---|
| Loans | 55 of 2043 | 4 of 2043 |
| Mortgages | 4 of 853 | 1 of 853 |
What we checked
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Sofkredit
- sofkredit.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Creditilia ES | Sofkredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Kova Finance, S.L. |
| Headquarters | Spain | Spain |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Sofkredit |
|---|---|---|
| Initial rate | 4%Lower | 8% to 14% |
| APRC | 4.12%Lower | 10.74% to 18.06% |
| Fixed period | 5 years | 0.5 to 20 yearsHigher |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | €0Lower | €900 to €1,350 |
| Purpose | Purchase, Remortgage | Home equity, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | Sofkredit | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 10.74% to 18.06%above the median | 9.99 |
| Loan amount | €500 to €50,000above the median | €12,000 to €300,000highest quarter | €40,000 |
| Term | 3 to 96 monthshighest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | 0%at the median | 6% to 9%highest quarter | 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.
Sofkredit
Pros
- Loan amounts of €12,000 to €300,000 suit secured borrowing, debt consolidation and business finance.
- Sofkredit adds no charge of its own, while the 6% to 9% arrangement fee on mortgage-guaranteed loans is set by the collaborating lender.
- A soft prequalification check under soft prequal is gentler on a credit file than a full search.
Cons
- The collaborating lender charges an arrangement fee of 6% to 9% of the loan on top of the interest rate.
- The top of the 10.74% to 18.06% range compares with a site median of 15.5%, so the dearest outcome sits well above the middle of the market.
- Sofkredit works as a broker under broker, so the lender and the final terms sit elsewhere.
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.
Sofkredit
Who it suits
- Adults in Spain who hold Spanish nationality or residence and a bank account, and need a secured loan.
- Borrowers consolidating debt who want to start with a soft prequalification through soft prequal.
- Homeowners planning home equity or a remortgage under home equity and remortgage.
Who should look elsewhere
- Applicants outside Spain, since eligibility rests on Spanish nationality or residence and a bank account, while Cashspace at PHP 12 to PHP 36 serves another market.
- Borrowers who want the lowest headline cost, who should weigh Solcredito MX at 9.5% to 3,696% and Cashspace at PHP 12 to PHP 36 before settling.
- Anyone expecting a direct lender or a small sum, since Sofkredit works as a broker under broker and publishes amounts of €12,000 to €300,000.
Country by country
| Country | Creditilia ES | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| 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.
Sofkredit
What fees do I pay through Sofkredit?+
Sofkredit adds no charge of its own. The arrangement fee of 6% to 9% of the loan is charged by the collaborating lender on mortgage-guaranteed loans, and the first example given is a €900 to €1,350 commission. Anyone budgeting here should add that commission to the interest, since it sits on top of the rate rather than inside it.
What rate and total cost should I expect?+
The published APR is 10.74% to 18.06%, and the representative example puts a real figure on repayment: a loan repaid over several years costs more in total than the amount drawn down. The rate offered sits inside that range, while the total repayable depends on the term and on the collaborating lender's fee.
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