Updated September 29, 2026 · SumCue Editorial Team
CreditoZen vs Credityes
CreditoZen
Higher score in this comparison
Credityes
Where CreditoZen and Credityes differ
| Compare | CreditoZenReviewVisitVisit | CredityesReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €2,000 | ₱1,000 to ₱25,000 |
| Term | 3 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 0 PHP |
| Funding time | under 24 business hours | A few minutes after confirmation |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document |
| Loan types | Payday, PersonalCovers more | Personal |
| APR | Not confirmed | 0% to 48% |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
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.
Key differences
- Term is higher at Credityes: 2 to 36 months vs 3 months.
- Loan types: only CreditoZen offers Payday.
Our verdict on each
CreditoZen
CreditoZen suits adults in Spain who need a short-term loan with no setup cost, since the origination fee is 0 EUR (no hidden fees). The trade-off is size and pace: €100 to €2,000 over 3, a hard credit check and under 24 business hours to pay out.
Credityes
Credityes suits Philippine residents who want a small personal loan without an upfront fee, and money can reach them A few minutes after confirmation. The catch is the top of the rate range and short maximum term, so check the annual percentage cost on your own offer before you commit.
Score breakdown
| Area | CreditoZen | Credityes |
|---|---|---|
| Cost | 9.5The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, with no setup charge on either product type. | 9.9Higher |
| Offer | 8.6HigherAmounts run €100 to €2,000 over a 3 term, a narrow range beside the from €12,000 and €12,000 to €300,000 of bigger lenders. | 8.3APR of 0% to 48% with an origination fee of 0 PHP on personal loans of PHP 1,000 to PHP 25,000. |
| Trust | 8.5 | 8.5 |
Which one suits you
Pick CreditoZen if offer and loan types matter most.
Pick Credityes if cost and term matter most.
How they place
| Ranking | CreditoZen | Credityes |
|---|---|---|
| Loans | 11 of 2043 | 12 of 2043 |
| Personal loans | 8 of 1317 | 9 of 1317 |
Every fact side by side
| Fact | CreditoZen | Credityes |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Ban kos Technology OÜ | SIA DOAFF (reg. No. 40203426084) |
| Headquarters | Estonia | Latvia |
| Support channels | Email, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | CreditoZen | Credityes | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 48%lowest quarter | 9.99 |
| Term | 3 monthslowest quarter | 2 to 36 monthsbelow the median | 60 months |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
CreditoZen
Pros
- The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so setting up the loan costs nothing on either product.
- Both payday and personal products sit inside €100 to €2,000, so a single application covers a payday loan and a personal loan.
- Payout runs under 24 business hours, short enough to cover a bill inside the working week.
Cons
- Support runs on email and help centre, with no phone line or live chat in that list.
- The term is 3 against a site median of 36, so repayments sit in a compressed window.
- The credit check is hard, and hard checks account for 76.1% of the borrowing group, so a full file decision stands in the way.
Credityes
Pros
- Origination fee of 0 PHP on personal loans, so there is no charge to set one up
- APR runs from 0% to 48%, so a lower cost is possible depending on the offer you are given
- Loan amounts of PHP 1,000 to PHP 25,000 keep the balance small and repayable
Cons
- The top of the APR range is high, so the cost depends heavily on the rate you are offered
- Terms top out at 2 to 36, which limits how far a larger balance can be stretched
- Phone is not among its support channels (email and help centre), so help is written rather than spoken
Who each suits
CreditoZen
Who it suits
- Adults in Spain covering a short gap, since €100 to €2,000 over 3 suits an urgent bill rather than the larger sums Sofkredit arranges at €12,000 to €300,000.
- Borrowers who want a known entry cost, since the origination fee is 0 EUR (no hidden fees) and the sum sought is small next to the from €12,000 at Creduma ES.
- Applicants who accept a hard credit check and prefer a Spanish-resident application rather than a brand working off PHP 500 to PHP 25,000 like Cashspace.
Who should look elsewhere
- Anyone consolidating debt or financing something large, since the €100 to €2,000 range stops well short of the from €12,000 at Creduma ES and the €12,000 to €300,000 at Sofkredit.
- Borrowers who want to talk to someone on the phone, because support runs on email and help centre only.
- Readers who want a lender in another market, since Cashspace works off PHP 500 to PHP 25,000 rather than the €100 to €2,000 offered to Spanish residents.
Credityes
Who it suits
- Philippine residents with a personal bank account, valid ID, email and phone who are planning home improvement work
- Borrowers who want a small fixed amount rather than a revolving credit line
- Adults who need a decision and money movement quickly, since funding is A few minutes after confirmation
Who should look elsewhere
- Borrowers who need a phone line, since support runs on email and help centre only
- Anyone wanting longer terms than 2 to 36 to keep monthly payments low
- Readers comparing euro loans, since these are personal loans in a single market
Current offers
CreditoZen
Current offer
Bonus
Préstamo rápido al 0% de interés: 0% interest, loans up to EUR 2000
Approval and final terms depend on the selected lender
Source, checked September 26, 2026
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | CreditoZen | Credityes |
|---|---|---|
| Philippines | No | Yes |
| Spain | Yes | No |
Questions about each
CreditoZen
What does it cost to arrange a loan with CreditoZen?+
The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so nothing is added for setting up either product. Both product types, payday and personal, carry that same setup cost. Interest and repayment come from the partner that takes the application, since CreditoZen is a broker rather than the lender itself.
How much can I borrow and how long do I have to repay?+
Amounts run €100 to €2,000 and the term is 3, so the product is built for a small bridge rather than a large purchase. The products listed are payday and personal, both inside that range. The balance is spread across 3, so the schedule is short and the account closes quickly once it clears.
Credityes
What does it cost to take a personal loan from Credityes?+
The origination fee is 0 PHP on personal loans, so there is no upfront charge to arrange one. What you pay is the interest itself, with an APR running from 0% to 48%. Their worked example shows the total repayable clearly against the amount borrowed, which is the figure to focus on.
How much can I borrow and for how long?+
Loan amounts run PHP 1,000 to PHP 25,000 and terms run 2 to 36, which gives you a fairly wide choice on the repayment window. The smallest loans are suited to a single repair rather than a full renovation. The maximum term is the constraint for anyone hoping to keep monthly payments low.