Updated September 28, 2026 · SumCue Editorial Team
Credityes vs Ibancar Prestamos
Credityes
Ibancar Prestamos
Higher score in this comparison
Where Credityes and Ibancar Prestamos differ
| Compare | CredityesReviewVisitVisit | Ibancar PrestamosReviewVisitVisit |
|---|---|---|
| APR | 0% to 48%Lower | 12.74% to 13.01% |
| Loan amount | ₱1,000 to ₱25,000 | €600 to €8,000 |
| Term | 2 to 36 months | 12 to 60 monthsHigher |
| Funding time | A few minutes after confirmation | Same day, up to 24 hours |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 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 | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal | Personal, Car, SecuredCovers more |
| Arrangement fee | 0 PHP | Not confirmed |
| Rate type | Not confirmed | Fixed |
| 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: 0% to 48% vs 12.74% to 13.01%.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 2 to 36 months.
- Support channels: only Ibancar Prestamos offers Phone.
- Loan types: only Ibancar Prestamos offers Car, Secured.
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.
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 | Ibancar Prestamos |
|---|---|---|
| Cost | 9.9Higher | 8.8 |
| 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. | 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 |
From lowest to highest
| Fact | Credityes | Ibancar Prestamos |
|---|---|---|
| APR | 0% to 48% | 12.74% to 13.01% |
| Term | 2 to 36 months | 12 to 60 months |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 48% for Credityes and 12.74% to 13.01% for Ibancar Prestamos.
FINANZCHECK.de reviewSources behind this comparison
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
How they place
| Ranking | Credityes | Ibancar Prestamos |
|---|---|---|
| Loans | 12 of 2043 | 19 of 2043 |
| Personal loans | 9 of 1317 | 15 of 1317 |
Every fact side by side
| Fact | Credityes | Ibancar Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Ibancar World SL |
| Headquarters | Latvia | Spain |
| Support channels | Email, Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 12.74% to 13.01%above the median | 9.99 |
| Term | 2 to 36 monthsbelow the median | 12 to 60 monthsat the median | 60 |
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
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
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
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
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
Country by country
| Country | Credityes | Ibancar Prestamos |
|---|---|---|
| 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.
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.