Updated September 28, 2026 · SumCue Editorial Team
Credityes vs Credityes ES
Credityes
Higher score in this comparison
Credityes ES
Where Credityes and Credityes ES differ
| Compare | CredityesReviewVisitVisit | Credityes ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 48% | 0% to 36% |
| Loan amount | ₱1,000 to ₱25,000 | €100 to €5,000 |
| Arrangement fee | 0 PHP | 0 EUR (free for the customer; the service charges no commission for selecting the loan) |
| Funding time | A few minutes after confirmation | Money in a few minutes after a positive decision |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name |
| Loan types | Personal | Personal, PaydayCovers more |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Term (2 to 36 months), Lender type (Broker), Use cases (Home improvement).
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
- Support channels: only Credityes offers Help centre.
- Loan types: only Credityes ES offers Payday.
Our verdict on each
Credityes
Credityes suits Philippine residents who want a small personal loan without an upfront fee, and money can reach them A few minutes after confirmation. The catch is the top of the rate range and short maximum term, so check the annual percentage cost on your own offer before you commit.
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.
Score breakdown
| Area | Credityes | Credityes ES |
|---|---|---|
| Cost | 9.9Higher | 9.7APR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. |
| Offer | 8.3APR of 0% to 48% with an origination fee of 0 PHP on personal loans of PHP 1,000 to PHP 25,000. | 8.4Higher |
| Trust | 8.5 | 8.5 |
Where each is licensed and available
Additional countries for Credityes: 1. Additional countries for Credityes ES: 1.
From lowest to highest
| Fact | Credityes | Credityes ES |
|---|---|---|
| APR | 0% to 48% | 0% to 36% |
| Term | 2 to 36 months | 2 to 36 months |
Side by side, item by item
| Loan types | Credityes | Credityes ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Use cases | Credityes | Credityes ES |
|---|---|---|
| Home improvement | Yes | Yes |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes
0 to 4,519.64
0 to 4,519.64
Credityes ES
0 to 3,244.68
0 to 3,244.68
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Credityes | Credityes ES |
|---|---|---|
| Loans | 12 of 2043 | 13 of 2043 |
| Personal loans | 9 of 1317 | 10 of 1317 |
Every fact side by side
| Fact | Credityes | Credityes ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | SIA DoAff |
| Headquarters | Latvia | Latvia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes | Credityes ES | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 0% to 36%lowest quarter | 9.99 |
| Term | 2 to 36 monthsbelow the median | 2 to 36 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Credityes
Pros
- Origination fee of 0 PHP on personal loans, so there is no charge to set one up
- APR runs from 0% to 48%, so a lower cost is possible depending on the offer you are given
- Loan amounts of PHP 1,000 to PHP 25,000 keep the balance small and repayable
Cons
- The top of the APR range is high, so the cost depends heavily on the rate you are offered
- Terms top out at 2 to 36, which limits how far a larger balance can be stretched
- Phone is not among its support channels (email and help centre), so help is written rather than spoken
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.
Who each suits
Credityes
Who it suits
- Philippine residents with a personal bank account, valid ID, email and phone who are planning home improvement work
- Borrowers who want a small fixed amount rather than a revolving credit line
- Adults who need a decision and money movement quickly, since funding is A few minutes after confirmation
Who should look elsewhere
- Borrowers who need a phone line, since support runs on email and help centre only
- Anyone wanting longer terms than 2 to 36 to keep monthly payments low
- Readers comparing euro loans, since these are personal loans in a single market
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.
Current offers
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
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 | Credityes ES |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Credityes
What does it cost to take a personal loan from Credityes?+
The origination fee is 0 PHP on personal loans, so there is no upfront charge to arrange one. What you pay is the interest itself, with an APR running from 0% to 48%. Their worked example shows the total repayable clearly against the amount borrowed, which is the figure to focus on.
How much can I borrow and for how long?+
Loan amounts run PHP 1,000 to PHP 25,000 and terms run 2 to 36, which gives you a fairly wide choice on the repayment window. The smallest loans are suited to a single repair rather than a full renovation. The maximum term is the constraint for anyone hoping to keep monthly payments low.
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.