Updated September 29, 2026 · SumCue Editorial Team
CreditoZen vs Que Prestamo
CreditoZen
Higher score in this comparison
Que Prestamo
CreditoZen vs Que Prestamo: the differences
| Compare | CreditoZenReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €2,000 | €5,000Higher |
| Term | 3 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | under 24 business hours | Approval in 5 minutes, money in your account in 15 minutes |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Origination fee (%) | 0%Lower | 3.5% |
| Loan types | Payday, PersonalCovers more | Personal |
| APR | Not confirmed | 7% to 35% |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
Same on both: Lender type (Broker).
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Key differences
- CreditoZen scores higher overall: 8.9 vs 8.6.
- Origination fee (%) is lower at CreditoZen: 0% vs 3.5%.
- Loan amount is higher at Que Prestamo: €5,000 vs €100 to €2,000.
- Term is higher at Que Prestamo: 1 to 72 months vs 3 months.
- Support channels: only CreditoZen offers Help centre.
- 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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan paid out the same day and can cover a fee taken off the top. Its cost picture is the weak point: the annual percentage rate runs 7% to 35%, and the fee of 3.5% is deducted from the amount disbursed.
Score breakdown
| Area | CreditoZen | Que Prestamo |
|---|---|---|
| Cost | 9.5HigherThe origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, with no setup charge on either product type. | 8.8Annual percentage rate of 7% to 35% plus an arrangement fee of 3.5% taken off the amount before it reaches the account. |
| Offer | 8.6Amounts 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. | 8.7Higher |
| Trust | 8.5 | 8.5 |
Where they rank in our lists
| Ranking | CreditoZen | Que Prestamo |
|---|---|---|
| Loans | 11 of 2043 | 9 of 2043 |
| Personal loans | 8 of 1317 | 6 of 1317 |
Licences and countries
Available in 1 country for both.
Every fact side by side
| Fact | CreditoZen | Que Prestamo |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Ban kos Technology OÜ | Leads for Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | CreditoZen | Que Prestamo | Median |
|---|---|---|---|
| APR | Not confirmed | 7% to 35%below the median | 9.99 |
| Loan amount | €100 to €2,000lowest quarter | €5,000below the median | €40,000 |
| Term | 3 monthslowest quarter | 1 to 72 monthsabove the median | 60 months |
| Origination fee (%) | 0%at the median | 3.5%highest quarter | 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.
Que Prestamo
Pros
- Approval in Approval in 5 minutes, money in your account in 15 minutes, so a same day loan is realistic for anyone in a hurry
- No guarantor needed, which widens who can qualify
- Personal loans up to €5,000 and terms of 1 to 72 cover short and long borrowings
Cons
- The arrangement fee of 3.5% is deducted from the disbursed amount, so you receive less than the amount approved
- Rates of 7% to 35% sit well above Sofkredit at 10.74% to 18.06%
- Support runs on email only, so there is no phone or chat line for a live loan query
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.
Que Prestamo
Who it suits
- Residents of Spain with a current account in their own name and an active mobile number
- Adults with a valid DNI or NIE who can cover a fee taken off the loan amount
- Borrowers who need money in the account the same day rather than at the end of the week
Who should look elsewhere
- Anyone who wants the full approved amount in the account, since the fee is deducted first
- Borrowers wanting a low rate, where Sofkredit at 10.74% to 18.06% is the cheaper comparison
- Larger sums, since Creduma ES offers amounts from from €12,000
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
Country by country
| Country | CreditoZen | Que Prestamo |
|---|---|---|
| Spain | Yes | Yes |
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.
Que Prestamo
What does Que Prestamo cost to borrow?+
The annual percentage rate runs 7% to 35% on personal loans. On top of that, an arrangement fee of 3.5% of the loan amount is charged as loan processing fees of the financial entity, and it is taken off the amount disbursed rather than billed separately.
How much money actually lands in my account?+
Less than the amount approved, because the arrangement fee of 3.5% is deducted from the disbursed amount. The representative example shows this clearly, with the amount received lower than the amount borrowed and the total repayable higher again once interest is added.