Updated September 28, 2026 · SumCue Editorial Team
Credityes ES vs Ibancar Prestamos
Credityes ES
Ibancar Prestamos
Higher score in this comparison
What sets them apart
| Compare | Credityes ESReviewVisitVisit | Ibancar PrestamosReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 12.74% to 13.01% |
| Loan amount | €100 to €5,000 | €600 to €8,000Higher |
| Term | 2 to 36 months | 12 to 60 monthsHigher |
| Funding time | Money in a few minutes after a positive decision | Same day, up to 24 hours |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Lender type | Broker | Direct lender |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal, Payday | Personal, Car, Secured |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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
- Ibancar Prestamos scores higher overall: 9.1 vs 8.9.
- APR is lower at Credityes ES: 0% to 36% vs 12.74% to 13.01%.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €100 to €5,000.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 2 to 36 months.
- Support channels: only Ibancar Prestamos offers Phone, Help centre.
- Loan types: only Credityes ES offers Payday.
- Loan types: only Ibancar Prestamos offers Car, Secured.
Our verdict on each
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
Ibancar Prestamos
Ibancar Prestamos suits borrowers in Spain who own the car they pledge as collateral and can accept a fixed rate. Money moves in Same day, up to 24 hours, and the 12.74% to 13.01% sits below the site median of 15.5%.
Score breakdown
| Area | Credityes ES | Ibancar Prestamos |
|---|---|---|
| Cost | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | 8.8 |
| Offer | 8.4 | 9.3Higher12.74% to 13.01% and €600 to €8,000 with Same day, up to 24 hours, a narrow 12 to 60 range and poor credit accepted. |
| Trust | 8.5 | 9.4Higher |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes ES
0 to 3,244.68
0 to 3,244.68
Ibancar Prestamos
1,042.39 to 1,065.78
1,042.39 to 1,065.78
Credityes ES comes out 1,042.39 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | Credityes ES | Ibancar Prestamos |
|---|---|---|
| Loans | 13 of 2043 | 19 of 2043 |
| Personal loans | 10 of 1317 | 15 of 1317 |
What we checked
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Credityes ES | Ibancar Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Ibancar World SL |
| Headquarters | Latvia | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 12.74% to 13.01%above the median | 9.99 |
| Loan amount | €100 to €5,000below the median | €600 to €8,000below the median | €40,000 |
| Term | 2 to 36 monthsbelow the median | 12 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
Ibancar Prestamos
Pros
- Funding lands in Same day, up to 24 hours, and same-day money is uncommon, since only 30.8% of the site offers it
- The 12.74% to 13.01% sits below the site median of 15.5% and the personal loan ranking median of 14.43%
- Borrowing is a direct arrangement with direct lender, so you deal with the entity named in the representative example rather than a middleman
Cons
- Borrowing is secured on your car, so the vehicle is at stake if you miss payments
- The largest loan is €600 to €8,000, well short of the from €12,000 floor at Creduma ES
- Terms run 12 to 60, narrower than the personal loan ranking span of 1 to 480
Who each suits
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
Ibancar Prestamos
Who it suits
- Drivers in mainland Spain, the Balearic Islands and the Canary Islands who own the car they pledge
- Borrowers listed on ASNEF who need money against a vehicle rather than on income alone
- People who want a fixed monthly cost they can see before signing
Who should look elsewhere
- Anyone who does not own the vehicle they would pledge as collateral
- Borrowers wanting unsecured money, since the largest amount here is €600 to €8,000
- Lenders shopping for a rate floor, as 12.74% to 13.01% starts well above the site median of 15.5%
Current offers
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Ibancar Prestamos |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.
Ibancar Prestamos
What rate will I pay on a secured car loan?+
The 12.74% to 13.01% covers the product, and the pricing is a fixed rate, so the number you agree does not shift with the market. The site median APR of 15.5% shows this loan sits at the cheaper end of the wider field. Always check the figure on your own offer before signing.
How much can I borrow?+
The range is €600 to €8,000, so the smallest and largest advances are fixed. That ceiling is modest, and it is far below the from €12,000 minimum at Creduma ES. The car you pledge is what sets both the amount and the rate you are offered.