Updated September 29, 2026 · SumCue Editorial Team
Creduma ES vs Lendela
Creduma ES
Higher score in this comparison
Lendela
What sets them apart
| Compare | Creduma ESReviewVisitVisit | LendelaReviewVisitVisit |
|---|---|---|
| Loan amount | from €12,000 | SGD 1,000 to SGD 200,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | SGD 0 |
| Credit check | Soft prequal | None |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Around 1-2 days from application to disbursement; some within hours |
| Lender type | Broker | Marketplace |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Credit needed | Poor | Fair |
| APR | Not confirmed | up to 48% |
| Term | Not confirmed | 3 to 72 months |
| Representative example | Not confirmed | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Creduma ES scores higher overall: 8.8 vs 8.5.
- Lendela is available in 1 more country.
- Loan types: only Lendela offers Personal, Business, Student.
Our verdict on each
Creduma ES
Creduma suits adults resident in Spain who own a home and seek secured debt consolidation through a broker. Loans start at from €12,000 with prequalification shown as soft prequal and support through email and phone. Funding involves an offer after a short wait with payout after a waiting period following signing.
Lendela
Lendela suits Singapore citizens and permanent residents who want a personal loan with no credit check and an origination fee of SGD 0. Borrowing covers SGD 1,000 to SGD 200,000 over terms of 3 to 72, and rates can reach up to 48%, the number to weigh before you apply.
Score breakdown
| Area | Creduma ES | Lendela |
|---|---|---|
| Offer | 9.2HigherOffer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. | 9.0marketplace lending, fair credit record and none credit check, so offers come with light entry conditions. |
| Trust | 8.5HigherTrust reflects brokerage model described in broker with prequalification shown in soft prequal. | 8.2 |
Feature by feature
| Loan types | Creduma ES | Lendela |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
Where they rank in our lists
| Ranking | Creduma ES | Lendela |
|---|---|---|
| Loans | 43 of 2043 | 79 of 2043 |
| Mortgages | 3 of 853 | 6 of 853 |
Where these facts come from
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | Lendela |
|---|---|---|
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Not confirmed | Lendela Pte. Ltd. |
| Headquarters | Not confirmed | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | Creduma ES | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | €0 | SGD 0 |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creduma ES | Lendela | Median |
|---|---|---|---|
| APR | Not confirmed | up to 48%highest quarter | 9.99 |
| Term | Not confirmed | 3 to 72 monthsabove the median | 60 |
Median across 1096 listed providers.
Pros and cons
Creduma ES
Pros
- Secured and debt consolidation focus shown in secured and debt consolidation suits homeowners aiming to combine debts against property value
- Starting loan size of from €12,000 suits larger home equity plans, above Ibancar Prestamos amounts of €600 to €8,000
- Prequalification shown in soft prequal allows initial review with less impact than a full hard check
Cons
- Support runs on email and phone only, which limits choice for people who prefer chat or help centre contact.
- Funding relies on a broker path shown in broker, so approval depends on partner lenders rather than direct lending.
- Borrowing is tied to remortgage and home equity and property collateral, so renters or owners unwilling to pledge a home face a barrier.
Lendela
Pros
- An origination fee of SGD 0 on personal loans, so no charge for setting the loan up.
- Purpose covers personal, debt consolidation and business, and home improvement is a stated use.
- Money often moves quickly: a few days from application to disbursement, and some within hours.
Cons
- The rate ceiling is up to 48%, well above where most borrowers start.
- Support runs on email, phone and help centre only.
- Applicants need a minimum age, Singapore citizenship or permanent residency, and a minimum annual income, with foreign applicants held to a higher income bar.
Who each suits
Creduma ES
Who it suits
- Homeowners in Spain seeking secured borrowing with loans of from €12,000
- Applicants with weaker credit shown as poor who can pledge property as collateral
- Borrowers seeking remortgage or home equity uses shown in remortgage and home equity via a broker shown in broker
Who should look elsewhere
- Renters or borrowers without pledgeable property, where Ibancar Prestamos with amounts of €600 to €8,000 may be more relevant
- Borrowers seeking small unsecured advances, where DKB with amounts of €2,500 to €100,000 may be more relevant
Lendela
Who it suits
- Singapore citizens and permanent residents with a fair credit record who want to borrow without a credit check.
- People consolidating debt or planning home improvement, both common reasons to borrow here.
- Borrowers who prefer a marketplace where lender quotes sit side by side.
Who should look elsewhere
- Borrowers chasing the lowest rates, who will find Cashspace quoting PHP 12 to PHP 36.
- Euro borrowers, since Creduma ES lists from €12,000 and Lendela works in Singapore dollars.
- Anyone wanting a rate band with room at both ends, since Sofkredit quotes 10.74% to 18.06% against the capped up to 48% here.
Current offers
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | No | Yes |
| Spain | Yes | No |
Questions about each
Creduma ES
What type of loans does Creduma arrange?+
Creduma arranges secured borrowing and debt consolidation loans shown in secured and debt consolidation. It focuses on home equity and remortgage needs shown in remortgage and home equity. Applicants are adults resident in Spain who own property pledged as collateral. The broker path means terms depend on the matched lender.
How large are Creduma loan amounts?+
Loan sizes start at from €12,000. That level points to larger secured borrowing rather than small unsecured advances. Applicants should compare that starting point with Ibancar Prestamos amounts of €600 to €8,000 and DKB amounts of €2,500 to €100,000 to gauge fit for debt consolidation.
Lendela
How much can I borrow, and for how long?+
Lendela covers SGD 1,000 to SGD 200,000, with terms of 3 to 72. Features listed include same day funding and credit line, so a credit line is an option for anyone who would rather draw money down gradually than take the full amount at the start.
What rate will I pay?+
Rates at Lendela run as high as up to 48%, well above the 15.5% median for this category. The published representative example is much kinder, pairing a modest rate with a multi-year term, so treat the ceiling as the worst case rather than the expected outcome.
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