Updated October 17, 2026 · SumCue Editorial Team
Credityes ES vs myKredit
Credityes ES
Higher score in this comparison
myKredit
Credityes ES vs myKredit: the differences
| Compare | Credityes ESReviewVisitVisit | myKreditReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €5,000Higher | €600 |
| Term | 2 to 36 monthsHigher | 30 months |
| Funding time | Money in a few minutes after a positive decision | funds transferred within 10 minutes of approval |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Adults with a valid DNI or NIE |
| Loan types | Personal, PaydayCovers more | Payday |
| APR | 0% to 36% | Not confirmed |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | Not confirmed |
| Lender type | Broker | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| 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
- Credityes ES scores higher overall: 8.9 vs 8.1.
- Loan amount is higher at Credityes ES: €100 to €5,000 vs €600.
- Term is higher at Credityes ES: 2 to 36 months vs 30 months.
- Support channels: only Credityes ES offers Email.
- Support channels: only myKredit offers Chat.
- Loan types: only Credityes ES offers Personal.
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.
myKredit
A captured Spanish privacy-policy module identifies Trive Credit Spain, S.L. as the owner of the mykredit.es website and says the company operates under the trade name MyKredit.
Score breakdown
| Area | Credityes ES | myKredit |
|---|---|---|
| Cost | 9.7APR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | Not confirmed |
| Offer | 8.4Higher | 8.1 |
| Trust | 8.5 | Not confirmed |
Where they rank in our lists
| Ranking | Credityes ES | myKredit |
|---|---|---|
| Loans | 13 of 2043 | 3 of 2043 |
Availability and regulation
Available in 1 country for both.
Also worth a look
Oney Prestamos has loan amount at €1,000 to €45,000, against €100 to €5,000 for Credityes ES and €600 for myKredit.
Oney Prestamos reviewSources behind this comparison
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Every fact side by side
| Fact | Credityes ES | myKredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Not confirmed |
| Headquarters | Latvia | Not confirmed |
| Support channels | Chat |
Where each stands against the rest
| Fact | Credityes ES | myKredit | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €100 to €5,000below the median | €600lowest quarter | €40,000 |
| Term | 2 to 36 monthsbelow the median | 30 monthsbelow 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.
myKredit
Pros
- The captured policy identifies a website owner and trade name.
Cons
- The statement does not establish lending terms or regulatory status.
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.
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
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 | myKredit |
|---|---|---|
| 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.
How quickly do I get the money?+
The service states that money reaches you Money in a few minutes after a positive decision. That clock starts after a positive decision rather than after the application goes in, which is why it works for a bill that cannot wait rather than for planned spending.
What does the representative example show?+
The representative example describes a short loan that costs the customer nothing, where the total repayable is what was borrowed. Treat it as the cheapest shape the product can take, not a forecast: a real quote runs on APR of 0% to 36%, and where you sit in that range depends on your file and the term you take.