Updated September 29, 2026 · SumCue Editorial Team
CreditoZen vs Youmoney ES
CreditoZen
Youmoney ES
Higher score in this comparison
What sets them apart
| Compare | CreditoZenReviewVisitVisit | Youmoney ESReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €2,000Higher | €50 to €1,000 |
| Term | 3 months | 0.23 to 36 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 0 EUR |
| Funding time | under 24 business hours | 15 minutes to 24 hours |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Payday, Personal | Personal, Payday, SecuredCovers more |
| APR | Not confirmed | 0% to 349% |
| Representative example | Not confirmed | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), 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
- Youmoney ES scores higher overall: 9.0 vs 8.9.
- Loan amount is higher at CreditoZen: €100 to €2,000 vs €50 to €1,000.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 3 months.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Youmoney ES offers Secured.
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.
Youmoney ES
Youmoney ES suits Spanish adults with a weak credit file who need a small sum the same day and accept matching through a broker rather than a named lender. It scores 2 out of ten on offer quality, and the cost on a short loan leaves room for cheaper rates.
Score breakdown
| Area | CreditoZen | Youmoney ES |
|---|---|---|
| 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 | 8.6Amounts 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. | 8.6APR runs 0% to 349% on a variable rate, the origination fee is 0 EUR, and the example cost is steep. |
| Trust | 8.5 | 8.5 |
Licences and countries
Available in 1 country for both.
Pick CreditoZen if, pick Youmoney ES if
Pick CreditoZen if loan amount matter most.
Pick Youmoney ES if cost, term, and loan types matter most.
Sources behind this comparison
CreditoZen
- creditozen.es: 12 facts, checked September 26, 2026
Youmoney ES
- youmoney.es: 16 facts, checked September 26, 2026
How they place
| Ranking | CreditoZen | Youmoney ES |
|---|---|---|
| Loans | 11 of 2043 | 35 of 2043 |
| Personal loans | 8 of 1317 | 29 of 1317 |
| Payday and short-term loans | 1 of 233 | 14 of 233 |
Every fact side by side
| Fact | CreditoZen | Youmoney ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Ban kos Technology OÜ | Findao Sp. z o.o. |
| Headquarters | Estonia | Poland |
| Support channels | Email, Help centre | Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | CreditoZen | Youmoney ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 349%lowest quarter | 9.99 |
| Loan amount | €100 to €2,000lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 3 monthslowest quarter | 0.23 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.
Youmoney ES
Pros
- The origination fee is 0 EUR, so the borrowed amount is what reaches the account with nothing added on top.
- Funding runs 15 minutes to 24 hours, and same day funding is listed, which suits a bill with a fixed date attached.
- The credit profile asked for is poor, so a weaker file is the target here rather than a barrier.
Cons
- The representative example shows a short loan costing a large share of the sum borrowed, and the headline 0% to 349% range does not describe that.
- The credit check is hard and the credit profile asked for is poor, so a thin file is judged on a full search rather than a soft one.
- It is a broker, so the lender behind any matched offer is not named at the point of application.
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.
Youmoney ES
Who it suits
- Spanish residents holding a DNI or NIE, a Spanish bank account and a phone number who need a small sum quickly.
- Borrowers with a weaker credit file, since the profile asked for is poor and the check is hard.
- People comfortable with variable pricing and a broker match rather than naming their lender.
Who should look elsewhere
- Borrowers who want a named lender to hold to a contract should look past a broker match, and note that Creduma ES lists amounts as from €12,000 for a very different size of need.
- Price sensitive shoppers should compare first, because Sofkredit lists 10.74% to 18.06% against the 0% to 349% range here.
- Readers shopping outside Spain should skip this comparison, as Cashspace lists PHP 12 to PHP 36 in a different currency and 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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | CreditoZen | Youmoney ES |
|---|---|---|
| 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.
Youmoney ES
What will a loan from Youmoney ES cost me?+
The origination fee is 0 EUR, so nothing is added to the amount you borrow. The annual percentage rate runs 0% to 349% and the rate type is variable, so the figure can move over the life of the loan. The representative example shows a small loan over a short term costing a large share of the principal, and that is the number to budget around.
Are rates like these normal for small short loans?+
Across the loans on this comparison site the retail loss share runs 70.15% at the midpoint, with 40.3% to 88% across the full spread. Loss shares at that level point to a market where missed repayments are common, so the example cost on a short term loan deserves a proper budget before you sign.