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Creditio review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Creditio is a Spanish broker rather than the lender itself, so nothing is charged for arranging a loan and offers run from 3% to 36%. It suits adults in Spain comparing lenders through one form, though the rate you land on is set by the lender you connect to rather than by Creditio.

Key facts

Best for
Adults in Spain who want to compare lender offers through one form without paying an arrangement fee.
APR
3% to 36%↗
Loan amount
€100 to €500,000↗
Term
2 to 240 months↗
Arrangement fee
0 EUR↗
Credit check
Soft prequal↗
Funding time
Immediate decision in minutes; funds come from the lender you connect to↗
Representative example
Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36%↗
Rate type
Variable↗
Lender type
Broker↗
Eligibility
Users must be over 18; site targets residents of Spain plus the country sites listed in the menu (MX, CO, IT, PT, BR, RO, ZA, PL, DE, PH)↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car, Secured, Student↗
Legal entity
WITME ADVERTISING S.L.↗
Headquarters
Spain↗
Support channels
Email, Phone↗
Features
Same-day funding
Official website
creditio.es

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Creditio charges 0 EUR and 0% to arrange a loan, so the quote costs nothing to take
  • A decision arrives in minutes and same day funding is advertised, with the cash coming from the lender you connect to
  • Loan amounts run €100 to €500,000 and terms 2 to 240, wider than most lenders on the comparison
  • Applications use a soft prequal approach, softer than the hard credit check many lenders run
  • Personal loans, debt consolidation, car, secured and student loans are all covered under personal, debt consolidation and car

Cons

  • Creditio is a broker, not the lender, so the rate on any offer comes from the partner and is not set here
  • Rates are variable, which means the cost of an accepted loan can move after you sign
  • 3% to 36% is the widest part of the range, and only the partner lender decides where in that range you sit
  • Support runs on email and phone only, so there is no chat or help centre for questions mid application
Creditio

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults in Spain who want to see several lender offers through one form at no arrangement cost
  • Borrowers consolidating debt, covering a car or funding a secured purchase as well as a personal loan
  • People who accept a variable rate and want a decision in minutes rather than a fixed deal

Who should look elsewhere

  • Anyone wanting a fixed rate, since variable loans carry the risk of a later change
  • People who want the lender named and regulated in one place, as Creditio is a broker
  • Borrowers who want live chat support, as support runs on email and phone only

Rates and costs

Creditio takes 0 EUR and 0% to arrange a loan, so taking a quote through the site costs nothing. The borrowing rate runs 3% to 36% and is variable, which matters when you weigh what you will repay later. Because Creditio is a broker, the rate in any offer belongs to the lender you connect to, and the published range is where that offer falls. The representative example shows a small personal loan repaid with no cost, at an APR at the bottom of the range, with the same 3% to 36% spread quoted as the headline. Treat that example as the floor of the range rather than as what most borrowers pay.

Application and funding speed

Funding time is the clearest reason to use Creditio: a decision comes in minutes, and the money arrives from the lender you connect to rather than from a branch or an appointment. That speed is why same day funding sits at the centre of the pitch. What you can borrow runs €100 to €500,000, so the form covers both a small bridging sum and a much larger one, and the term runs 2 to 240, from a short period to a long repayment. The check on the way through is a soft prequal, which is why an answer can arrive so quickly.

Safety of your money

What happens with your money depends on who you end up borrowing from, and that is the point to read carefully. Creditio is a broker, so the agreement, the rate and the money are with the lender you are introduced to. The representative example is the clearest statement of what the arrangement can look like: a small personal loan with no cost added at all, at an APR of nil, sitting well below the 3% to 36% range Creditio publishes. Take the lender named in any offer and read its terms, because the broker does not set what you repay.

Who runs it

Creditio is run by WITME ADVERTISING S.L., registered in Spain. Eligibility is open to adults, and the site also lists country sites for people resident outside Spain. Support runs on email and phone, so a question about an application can be raised by email or by phone once you have started. The site does not describe a protection scheme for money held while an offer is being arranged, and the contract that matters is the one with the lender on the other side of the form.

How Creditio compares

Where Creditio is available

Available
Brazil, Colombia, Germany, Italy, Mexico, Philippines, Poland, Portugal, Romania, South Africa, Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Creditio charge a fee for arranging a loan?+

Creditio charges 0 EUR and 0% to arrange a loan. Taking a quote and comparing offers therefore costs nothing at the broker stage. The money you eventually repay is set by the lender you connect to, not by the broker.

What interest rate will I actually pay?+

The published borrowing rate runs 3% to 36%, and it is variable. The offer you receive comes from the lender you connect to, so the rate you get sits somewhere in that range rather than at a single point. A variable rate also means the cost can move after you sign.

How fast do I get a decision and the money?+

A decision comes in minutes, and the cash is sent by the lender you connect to. That is the basis of the same day funding claim. Speed applies to the decision and payout once approved rather than to how long the lender takes to set its own terms.

How much can I borrow and over what period?+

Loan amounts run €100 to €500,000 and the term runs 2 to 240. That spread covers a small short period of borrowing and a much larger long term loan. The amount a partner lender offers you depends on your own circumstances as well as on these limits.

Is Creditio a lender or a broker?+

Creditio is a broker, not the lender. It introduces you to lenders and passes your application on, so the loan contract, the rate and the money all sit with the lender you connect to. That is why the 3% to 36% range is published as a range.

Will applying affect my credit file?+

The application runs a soft prequal, which is a lighter check than the hard credit check many lenders run. It is designed to return an answer quickly. A full check can still be needed by the lender you connect to before it releases funds.

Who runs Creditio and how do I get help?+

Creditio is run by WITME ADVERTISING S.L., registered in Spain. Support runs on email and phone, so questions about an application can go by email or by phone. If your question is about the loan itself, it belongs with the lender you connect to.

What kind of loans does Creditio cover?+

Creditio covers personal, debt consolidation and car, which takes in personal loans, debt consolidation, car finance, secured borrowing and student loans. Personal loans are the main product, with consolidation and secured lending as the other common reasons to apply. The rate quoted on any of them sits in the 3% to 36% range.

Who can apply?+

Applicants must be adults, and the site is aimed at people resident in Spain. It also runs country sites for people living in other listed markets. Meeting the age and residency rule is the first step before any lender looks at your circumstances.

Sources

  • creditio.es checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

  • creditio.es/aviso-legal checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity, Support channels

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Creditio

Creditio

Adults in Spain who want to compare lender offers through one form without paying an arrangement fee.

8.9/10Visit