Updated September 28, 2026 · SumCue Editorial Team
Credityes vs Que Prestamo
Credityes
Higher score in this comparison
Que Prestamo
Where Credityes and Que Prestamo differ
| Compare | CredityesReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| APR | 0% to 48%Lower | 7% to 35% |
| Loan amount | ₱1,000 to ₱25,000 | €5,000 |
| Term | 2 to 36 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 PHP | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | A few minutes after confirmation | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Origination fee (%) | Not confirmed | 3.5% |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Loan types (Personal).
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Key differences
- Credityes scores higher overall: 8.9 vs 8.6.
- APR is lower at Credityes: 0% to 48% vs 7% to 35%.
- Term is higher at Que Prestamo: 1 to 72 months vs 2 to 36 months.
- Support channels: only Credityes offers Help centre.
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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan paid out the same day and can cover a fee taken off the top. Its cost picture is the weak point: the annual percentage rate runs 7% to 35%, and the fee of 3.5% is deducted from the amount disbursed.
Score breakdown
| Area | Credityes | Que Prestamo |
|---|---|---|
| Cost | 9.9Higher | 8.8Annual percentage rate of 7% to 35% plus an arrangement fee of 3.5% taken off the amount before it reaches the account. |
| 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. | 8.7Higher |
| Trust | 8.5 | 8.5 |
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
Que Prestamo
557.88 to 3,142.49
557.88 to 3,142.49
Credityes comes out 557.88 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.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 48% for Credityes and 7% to 35% for Que Prestamo.
FINANZCHECK.de reviewHow they place
| Ranking | Credityes | Que Prestamo |
|---|---|---|
| Loans | 12 of 2043 | 9 of 2043 |
| Personal loans | 9 of 1317 | 6 of 1317 |
Every fact side by side
| Fact | Credityes | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Leads for Finance S.L.U. |
| Headquarters | Latvia | Spain |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes | Que Prestamo | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 7% to 35%below the median | 9.99 |
| Term | 2 to 36 monthsbelow the median | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 3.5%highest quarter | 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
Que Prestamo
Pros
- Approval in Approval in 5 minutes, money in your account in 15 minutes, so a same day loan is realistic for anyone in a hurry
- No guarantor needed, which widens who can qualify
- Personal loans up to €5,000 and terms of 1 to 72 cover short and long borrowings
Cons
- The arrangement fee of 3.5% is deducted from the disbursed amount, so you receive less than the amount approved
- Rates of 7% to 35% sit well above Sofkredit at 10.74% to 18.06%
- Support runs on email only, so there is no phone or chat line for a live loan query
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
Que Prestamo
Who it suits
- Residents of Spain with a current account in their own name and an active mobile number
- Adults with a valid DNI or NIE who can cover a fee taken off the loan amount
- Borrowers who need money in the account the same day rather than at the end of the week
Who should look elsewhere
- Anyone who wants the full approved amount in the account, since the fee is deducted first
- Borrowers wanting a low rate, where Sofkredit at 10.74% to 18.06% is the cheaper comparison
- Larger sums, since Creduma ES offers amounts from from €12,000
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 | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What does Que Prestamo cost to borrow?+
The annual percentage rate runs 7% to 35% on personal loans. On top of that, an arrangement fee of 3.5% of the loan amount is charged as loan processing fees of the financial entity, and it is taken off the amount disbursed rather than billed separately.
How much money actually lands in my account?+
Less than the amount approved, because the arrangement fee of 3.5% is deducted from the disbursed amount. The representative example shows this clearly, with the amount received lower than the amount borrowed and the total repayable higher again once interest is added.