Updated September 29, 2026 · SumCue Editorial Team
Creduma ES vs LowestRates.ca
Creduma ES
Higher score in this comparison
LowestRates.ca
Where Creduma ES and LowestRates.ca differ
| Compare | Creduma ESReviewVisitVisit | LowestRates.caReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | from €12,000 | CA$500 to CA$45,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | within 24 hours |
| Lender type | Broker | Marketplace |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | 18 or older, Canadian residency, Canadian bank account, minimum 12 months credit history, minimum income $1,250 per month, employed at least three months |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation, Business, Car, Bridging, Student |
| APR | Not confirmed | 10% |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Soft prequal).
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
- Loan types: only Creduma ES offers Secured.
- Loan types: only LowestRates.ca offers Personal, Business, Car.
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.
LowestRates.ca
LowestRates.ca suits Canadian households who want to price cover, borrowing and a mortgage in one pass, because it is a comparison site and a marketplace rather than a provider of its own. Entry premiums start at CAD 0, personal loans run CAD 500 to CAD 45,000, and early repayment is free.
Score breakdown
| Area | Creduma ES | LowestRates.ca |
|---|---|---|
| Cost | Not confirmed | 9.5Costs sit low across products: the loan origination fee is 0 and the mortgage product fee is CAD 0, against an APR of 10%. |
| Offer | 9.2HigherOffer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. | 8.6 |
| Trust | 8.5HigherTrust reflects brokerage model described in broker with prequalification shown in soft prequal. | 8.3 |
How they place
| Ranking | Creduma ES | LowestRates.ca |
|---|---|---|
| Loans | 43 of 2043 | 907 of 2043 |
| Mortgages | 3 of 853 | 394 of 853 |
Feature by feature
| Loan types | Creduma ES | LowestRates.ca |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Bridging | No | Yes |
Licences and countries
Additional countries for Creduma ES: 1. Additional countries for LowestRates.ca: 1.
Where these facts come from
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
LowestRates.ca
- lowestrates.ca: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | LowestRates.ca |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Not confirmed | Rates.ca Group Ltd. |
| Headquarters | Not confirmed | Canada |
| Founded | Not confirmed | 2012 |
| Support channels | Not confirmed | Help centre |
Mortgages
| Fact | Creduma ES | LowestRates.ca |
|---|---|---|
| Initial rate | Not confirmed | 3.89% |
| Fixed period | Not confirmed | 5 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | €0 | CA$0 |
| Purpose | Remortgage, Home equity | Purchase, Remortgage, First time buyer, Home equityCovers more |
Where each stands against the rest
| Fact | Creduma ES | LowestRates.ca | Median |
|---|---|---|---|
| APR | Not confirmed | 10%above the median | 9.99% |
Median across 880 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.
LowestRates.ca
Pros
- Premiums start at CAD 0, the floor of the insurance table and the easiest figure to sort on.
- Personal loans run CAD 500 to CAD 45,000 and the credit check is soft prequal, so a reader can see the price without a full search.
- Free early repayment is available, so a loan can be cleared ahead of schedule without a charge.
Cons
- Support runs on help centre only, so a question about a live application has fewer routes than a staffed desk.
- Loan amounts run CAD 500 to CAD 45,000, so a renovation or consolidation bill near the top of that range needs a different product.
- The fixed period of 5 is short against a wider market where the longest fixes reach 40.
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
LowestRates.ca
Who it suits
- Canadian households comparing auto, home and life cover who want a starting price before they apply.
- Borrowers who would rather see a rate than have a file searched, since the loan search runs as soft prequal.
- Homebuyers with a purchase or a remortgage in view, since mortgage quotes cover purchase, remortgage and first time buyer.
Who should look elsewhere
- Readers who want a single provider behind the cover rather than a table, where Linxea sets its own starting premium of €25.
- Anyone starting from a bank app rather than a comparison, such as bunq or bunq Spain, which also show a starting premium of €0.
- Applicants without Canadian residency, a Canadian bank account and a credit history of a minimum length.
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 | LowestRates.ca |
|---|---|---|
| Canada | 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.
LowestRates.ca
What is the starting premium at LowestRates.ca?+
Entry premiums start at CAD 0, which is the figure shown at the top of the insurance table. Because LowestRates.ca is a comparison site, that is a starting point for cover rather than a quote for an individual risk. The price a reader pays is set by the insurer that returns the quote.
Can I pay for insurance monthly?+
Monthly payments are available on the insurance side, with monthly as the listed payment model. That spreads a policy into regular amounts across the year rather than a single larger payment. Readers who budget tightly can plan around a fixed sum instead of a yearly bill that lands at once.
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Creduma ES
LowestRates.ca