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Creditomax ES review

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

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Our verdict

Creditomax ES is a Spanish personal loan broker that suits borrowers who want a loan decided and paid out quickly. Rates of 7% to 35% apply, and the only upfront cost is a lender fee of 3.5% taken off the amount before it reaches you.

Key facts

Best for
Borrowers in Spain who want a personal loan arranged and funded quickly, and who can accept a hard credit check.
APR
7% to 35%↗
Term
3 to 72 months↗
Arrangement fee
0 EUR charged by the site; lender management fee 3.5% of the loan amount deducted upfront↗
Credit check
Hard↗
Funding time
Transferred to your account in under 24 hours after approval↗
Representative example
Loan of 5,000 EUR over 24 months: 4,825 EUR credited, total repayable 5,482.17 EUR, TAE (APR) 9.38%↗
Lender type
Broker↗
Eligibility
Residents of Spain aged 18-75 with DNI/NIE, a Spanish bank account, email and mobile phone↗
Origination fee (%)
3.5%↗
Loan types
Personal↗
Support channels
Email↗
Features
Same-day funding
Official website
creditomax.es

Facts checked September 26, 2026, 2 sources

Pros and cons

Pros

  • Approved loans move fast: Transferred to your account in under 24 hours after approval, which suits a bill or an emergency that cannot wait.
  • Terms of 3 to 72 let you pick a short repayment or a long one to suit your monthly outgoings.
  • The site charges no arrangement fee of its own, so the only upfront cost is the lender fee of 3.5%.
  • It works as broker, which means one application can be weighed against more than one lender.

Cons

  • The credit check is hard, so the full detail of your borrowing history is looked at.
  • Rates of 7% to 35% reach higher than the 10.74% to 18.06% at Sofkredit.
  • The lender fee of 3.5% is deducted before the transfer, which is why the representative example credits less than the amount borrowed.
  • A phone line is not among its support channels (email), so any urgent question has to be put in writing.
Creditomax ES

Ready to try Creditomax ES?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • Adults in Spain, within the stated age range, who hold a DNI or NIE, a Spanish bank account, an email address and a mobile phone.
  • Borrowers who want a single personal loan repaid over 3 to 72 rather than a revolving credit line.
  • People comfortable with a hard credit check who value a fast transfer over a narrow rate range.

Who should look elsewhere

  • Cashspace, whose rates of PHP 12 to PHP 36 are set in Philippine pesos for a different market, if you need borrowing in Spain.
  • Sofkredit, if a lower ceiling on the rate matters most to you, since 10.74% to 18.06% does not reach as high.
  • Creduma ES, which takes no upfront money and only charges when a real solution is obtained, if you want nothing deducted at the start.

Application and funding speed

Creditomax ES is built around how fast the money moves. Once an application is approved, Transferred to your account in under 24 hours after approval, which suits a bill or an emergency that cannot wait on paperwork. The other number to weigh is length: terms of 3 to 72 are available, so a loan can be spread over a short repayment or a long one. A short term keeps the interest down but raises each payment, and a long term does the reverse. Check the term before you accept a rate, because the total you repay changes with it.

Rates and costs

Rates of 7% to 35% cover a wide spread for the personal loans arranged here, so the price depends on what a lender offers. The site charges no arrangement fee of its own. The cost sits with the lender, which deducts a management fee of 3.5% of the loan amount before the transfer. The representative example makes that clear: a sum borrowed over a set term comes back larger than the amount credited, and part of the gap is that upfront fee rather than interest alone. Anyone weighing this against Sofkredit's 10.74% to 18.06% is choosing a lower ceiling over a faster transfer.

Safety of your money

Two things decide how this works. Creditomax ES is a broker, so it passes your application to a lender rather than lending to you itself, and the lender you are matched with sets the final terms. The representative example is the second thing to read closely: it shows that a personal loan repaid across its term costs more than the sum you are credited, because part of the money is taken as a fee before the transfer reaches you. The practical takeaway is to establish which lender you are matched with and what it charges, since the broker sets the route and the lender sets the price.

How Creditomax ES compares

Where Creditomax ES is available

Available
Spain

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

Frequently asked questions

What does Creditomax ES charge for arranging a loan?+

The site charges no arrangement fee of its own. The cost sits with the lender, which deducts a management fee of 3.5% of the loan amount before the money is transferred. That is why the representative example credits less than the sum you applied for, and it is the first figure to check against any competing offer.

How fast does the money arrive?+

Once an application is approved, Transferred to your account in under 24 hours after approval. Approval and transfer are separate steps, so the wait is only part of the picture, and the credit check and the lender's own decision come first. Anyone in a hurry should leave room for the decision, not just for the transfer.

Is Creditomax ES the lender?+

No, it is a broker. It takes your application and passes it to lenders who then decide whether to lend and on what terms. The practical difference is that the rate and the fee are set by the lender, so the final offer can sit at a different point from the headline figures the site displays.

What rate would I pay?+

Rates of 7% to 35% apply to the personal loans it arranges, which is a wide spread. The figure you are offered depends on the lender you are matched with, so treat the range as a boundary rather than a promise. The representative example is the clearest guide, because it shows both what is credited and what is repaid.

Does applying affect my credit file?+

Yes. The credit check is hard, so the full detail of your borrowing history is examined. A hard check stays on the record for a while, which means several applications submitted close together are worth spacing out rather than putting in as a batch.

Who can apply?+

Residents of Spain, within the stated age range, holding a DNI or NIE, a Spanish bank account, an email address and a mobile phone. The product is a personal loan, so it suits borrowing a set sum and repaying it rather than holding a revolving balance. Age is checked against the stated range, so confirm the current terms before you start.

How do I get help?+

Support runs on email, so questions and problems are handled in writing rather than by phone. Email suits questions that need paperwork, such as asking a lender to explain a fee that appears on a statement. Anyone who needs to talk a problem through quickly should know that in advance.

How long can I borrow for?+

Terms of 3 to 72 are available on the personal loans it arranges, from a short repayment to a much longer one. A longer term lowers each payment but adds interest across the whole period, so compare the total repayable figure in the representative example rather than the payment alone.

How does this compare with Sofkredit on price?+

Sofkredit's 10.74% to 18.06% does not reach as high as the top of 7% to 35% here, which matters if your file attracts the top of the range. Creditomax ES is built around a fast transfer, so the choice comes down to the rate ceiling you can accept against how quickly you need the sum.

Sources

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

Not confirmed yet: Loan amount.

Creditomax ES

Creditomax ES

Borrowers in Spain who want a personal loan arranged and funded quickly, and who can accept a hard credit check.

8.6/10Visit