Updated September 28, 2026 · SumCue Editorial Team
Credityes vs Sofkredit
Credityes
Higher score in this comparison
Sofkredit
What sets them apart
| Compare | CredityesReviewVisitVisit | SofkreditReviewVisitVisit |
|---|---|---|
| APR | 0% to 48%Lower | 10.74% to 18.06% |
| Loan amount | ₱1,000 to ₱25,000 | €12,000 to €300,000 |
| Term | 2 to 36 months | 6 to 240 monthsHigher |
| Arrangement fee | 0 PHP | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Funding time | A few minutes after confirmation | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal | Secured, Debt consolidation, Business |
| Credit check | Not confirmed | Soft prequal |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Credit needed | Not confirmed | Poor |
Same on both: 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
- Credityes scores higher overall: 8.9 vs 8.7.
- Sofkredit is available in 2 more countries.
- APR is lower at Credityes: 0% to 48% vs 10.74% to 18.06%.
- Term is higher at Sofkredit: 6 to 240 months vs 2 to 36 months.
- Support channels: only Sofkredit offers Phone.
- Loan types: only Credityes offers Personal.
- Loan types: only Sofkredit offers Secured, Debt consolidation, Business.
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.
Sofkredit
Sofkredit suits Spanish adults who want a substantial secured, consolidation, business or mortgage-guaranteed loan placed with a specialist lender. The published APR is 10.74% to 18.06% and a collaborating lender adds a commission, so the total repayable matters more than the headline rate.
Score breakdown
| Area | Credityes | Sofkredit |
|---|---|---|
| Cost | 9.9Higher | 8.6 |
| 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. | 9.4HigherAmounts of €12,000 to €300,000 at an APR of 10.74% to 18.06%, with secured, consolidation, business and mortgage-guaranteed lending and same-day funding. |
| Trust | 8.5 | 8.5 |
Which one suits you
Pick Credityes if cost and apr matter most.
Pick Sofkredit if offer and term matter most.
Positions in our rankings
| Ranking | Credityes | Sofkredit |
|---|---|---|
| Loans | 12 of 2043 | 4 of 2043 |
Sources behind this comparison
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
Sofkredit
- sofkredit.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Credityes | Sofkredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Kova Finance, S.L. |
| Headquarters | Latvia | Spain |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Credityes | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Credityes | Sofkredit | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 10.74% to 18.06%above the median | 9.99 |
| Term | 2 to 36 monthsbelow the median | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%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
Sofkredit
Pros
- Loan amounts of €12,000 to €300,000 suit secured borrowing, debt consolidation and business finance.
- Sofkredit adds no charge of its own, while the 6% to 9% arrangement fee on mortgage-guaranteed loans is set by the collaborating lender.
- A soft prequalification check under soft prequal is gentler on a credit file than a full search.
Cons
- The collaborating lender charges an arrangement fee of 6% to 9% of the loan on top of the interest rate.
- The top of the 10.74% to 18.06% range compares with a site median of 15.5%, so the dearest outcome sits well above the middle of the market.
- Sofkredit works as a broker under broker, so the lender and the final terms sit elsewhere.
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
Sofkredit
Who it suits
- Adults in Spain who hold Spanish nationality or residence and a bank account, and need a secured loan.
- Borrowers consolidating debt who want to start with a soft prequalification through soft prequal.
- Homeowners planning home equity or a remortgage under home equity and remortgage.
Who should look elsewhere
- Applicants outside Spain, since eligibility rests on Spanish nationality or residence and a bank account, while Cashspace at PHP 12 to PHP 36 serves another market.
- Borrowers who want the lowest headline cost, who should weigh Solcredito MX at 9.5% to 3,696% and Cashspace at PHP 12 to PHP 36 before settling.
- Anyone expecting a direct lender or a small sum, since Sofkredit works as a broker under broker and publishes amounts of €12,000 to €300,000.
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 | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| 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.
Sofkredit
What fees do I pay through Sofkredit?+
Sofkredit adds no charge of its own. The arrangement fee of 6% to 9% of the loan is charged by the collaborating lender on mortgage-guaranteed loans, and the first example given is a €900 to €1,350 commission. Anyone budgeting here should add that commission to the interest, since it sits on top of the rate rather than inside it.
What rate and total cost should I expect?+
The published APR is 10.74% to 18.06%, and the representative example puts a real figure on repayment: a loan repaid over several years costs more in total than the amount drawn down. The rate offered sits inside that range, while the total repayable depends on the term and on the collaborating lender's fee.
Other options to compare
Other matchups
- Credityes vs Oney Prestamos
- Credityes vs Oney Préstamos ES
- Credityes vs myKredit
- Credityes vs DKB (Deutsche Kreditbank)
- Credityes vs Andacredito
- Sofkredit vs Lendela
- Sofkredit vs AU Small Finance Bank
- Sofkredit vs CHECK24
- Sofkredit vs LEND.ch
- Sofkredit vs Alior
- Sofkredit vs Borrowell
- Sofkredit vs ICICI Bank
- Sofkredit vs CIMB Bank