Updated September 28, 2026 · SumCue Editorial Team
Credityes ES vs Youmoney
Credityes ES
Higher score in this comparison
Youmoney
What sets them apart
| Compare | Credityes ESReviewVisitVisit | YoumoneyReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 25.28% to 72.19% |
| Loan amount | €100 to €5,000 | PLN 100 to PLN 10,000 |
| Term | 2 to 36 monthsHigher | 24 months |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | Money in a few minutes after a positive decision | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Origination fee (%) | 0%Lower | 33.76% |
| Loan types | Personal, Payday | Personal, Payday, Debt consolidationCovers more |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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
- Credityes ES scores higher overall: 8.9 vs 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Credityes ES: 0% to 36% vs 25.28% to 72.19%.
- Origination fee (%) is lower at Credityes ES: 0% vs 33.76%.
- Term is higher at Credityes ES: 2 to 36 months vs 24 months.
- Support channels: only Youmoney offers Chat, Phone, Help centre.
- Loan types: only Youmoney offers Debt consolidation.
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.
Youmoney
Youmoney is a Polish loan broker built for people with a thin credit file who need money the same day. It suits borrowers who accept a hard credit check and a high cost, since its APR of 25.28% to 72.19% sits far above the personal loan median of 14.43%. Early repayment carries no charge.
Score breakdown
| Area | Credityes ES | Youmoney |
|---|---|---|
| Cost | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | 8.6APR of 25.28% to 72.19% against a personal loan median of 14.43%, with an origination charge of 33.76% on the instalment example. |
| Offer | 8.4 | 9.2HigherA broker covering personal, payday and debt consolidation, with fixed-rate lending, same-day funding and a 24 term on offer. |
| Trust | 8.5Higher | 8.3 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes ES
0 to 2,085.69
0 to 2,085.69
Youmoney
1,421.45 to 4,575.47
1,421.45 to 4,575.47
Credityes ES comes out 1,421.45 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.
Positions in our rankings
| Ranking | Credityes ES | Youmoney |
|---|---|---|
| Loans | 13 of 2043 | 36 of 2043 |
| Personal loans | 10 of 1317 | 30 of 1317 |
| Payday and short-term loans | 2 of 233 | 15 of 233 |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Credityes ES and 25.28% to 72.19% for Youmoney.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Credityes ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Findao sp. z o.o. |
| Headquarters | Latvia | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 25.28% to 72.19%highest quarter | 9.99 |
| Term | 2 to 36 monthsbelow the median | 24 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 33.76%highest quarter | 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.
Youmoney
Pros
- Any income source counts, from employment and self-employment to pension, allowance and alimony, so applicants are not tied to one form of earnings.
- Lenders release money in minutes with the quickest of them, usually within hours and at worst by the end of the next business day.
- Early repayment costs nothing, so a borrower who can clear the balance early pays less interest.
Cons
- The instalment example carries an origination charge of 33.76% of the amount borrowed, a cost that sits in the price from the first instalment.
- APR runs 25.28% to 72.19%, well above the personal loan median of 14.43% and the payday median of 36.5%.
- Applications run a hard credit check, so a declined application can be recorded on the credit file.
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.
Youmoney
Who it suits
- Polish residents with a bank account and a Polish ID who need cash quickly rather than a low rate
- Borrowers whose income is a pension, allowance or alimony as well as a salary
- People with a poor credit file, because poor means the market accepts thin credit histories
Who should look elsewhere
- Anyone wanting a long cheap loan, since 24 is the only term on offer and 25.28% to 72.19% is high
- Borrowers who want a soft pre-application check rather than the hard credit check listed under hard
- Households that need to borrow a large sum, because PLN 100 to PLN 10,000 is the ceiling
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
Youmoney
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| 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.
Youmoney
What APR will I pay on a Youmoney loan?+
APR runs 25.28% to 72.19% across the products offered. For context, the median APR on our personal loan data is 14.43%, so the difference is large. The instalment example sits well above that median as well.
What does Youmoney charge for arranging a loan?+
The instalment-loan representative example includes a commission of 33.76% of the amount borrowed, charged alongside the interest. On top of that sits the interest itself, at a fixed rate across a term of 24. The total repayable is what matters, not the rate alone.