Updated September 29, 2026 · SumCue Editorial Team
Creduma ES vs NCB Jamaica
Creduma ES
NCB Jamaica
Higher score in this comparison
Where Creduma ES and NCB Jamaica differ
| Compare | Creduma ESReviewVisitVisit | NCB JamaicaReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | from €12,000 | JMD 300,000 to JMD 5,000,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | JMD 4,500 to JMD 7,000 processing fee inclusive of GCT (Pay Advance Plus) |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Within 24 hours of approval |
| Lender type | Broker | Direct lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Jamaican resident; employed at least 6 months with salary paid to an NCB account for the past 6 months; joint accounts do not qualify; no overdue NCB loans or credit card payments in the past 6 months |
| Loan types | Secured, Debt consolidation | Personal, Payday, Debt consolidation, SecuredCovers more |
| APR | Not confirmed | 13.99% |
| Term | Not confirmed | 60 months |
| Representative example | Not confirmed | Fast Cash: JMD 100,000 is repaid at JMD 12,500 monthly for 12 months |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | 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
- NCB Jamaica scores higher overall: 9.7 vs 8.8.
- Loan types: only NCB Jamaica offers Personal, Payday.
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.
NCB Jamaica
NCB Jamaica suits Jamaican savers who want everyday access to their money from an account with no monthly charge. Interest is variable and pays 0.55% to 1.2%, below the 3% median for savings accounts, so it works as a transactional base rather than a home for long term saving.
Score breakdown
| Area | Creduma ES | NCB Jamaica |
|---|---|---|
| Offer | 9.2Offer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. | 9.3Higher |
| Trust | 8.5Trust reflects brokerage model described in broker with prequalification shown in soft prequal. | 10.0Higher |
Positions in our rankings
| Ranking | Creduma ES | NCB Jamaica |
|---|---|---|
| Loans | 43 of 2043 | 154 of 2043 |
| Mortgages | 3 of 853 | 25 of 853 |
Licences and countries
| Country | Creduma ES | NCB Jamaica |
|---|---|---|
| Jamaica | Not confirmed |
Additional countries for Creduma ES: 1. Additional countries for NCB Jamaica: 1.
Feature by feature
| Loan types | Creduma ES | NCB Jamaica |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
Every fact side by side
| Fact | Creduma ES | NCB Jamaica |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | National Commercial Bank Jamaica Limited |
| Headquarters | Not confirmed | Jamaica |
| Founded | Not confirmed | 1837 |
| Support channels | Not confirmed | Phone, Email, Chat, Help centre |
Mortgages
| Fact | Creduma ES | NCB Jamaica |
|---|---|---|
| Initial rate | Not confirmed | 8.45% |
| Fixed period | Not confirmed | 40 years |
| Maximum loan to value | Not confirmed | 100% |
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Purchase, First time buyer, Buy to let, Home equity, RemortgageCovers more |
Debit cards
| Fact | Creduma ES | NCB Jamaica |
|---|---|---|
| Monthly fee | Not confirmed | JMD 0 |
| Free ATM withdrawals | Not confirmed | JMD 4 |
| Card type | Not confirmed | Debit |
| Audience | Not confirmed | Kids |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | 4 |
Credit cards
| Fact | Creduma ES | NCB Jamaica |
|---|---|---|
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | Creduma ES | NCB Jamaica | Median |
|---|---|---|---|
| APR | Not confirmed | 13.99%above the median | 9.99% |
| Term | Not confirmed | 60 monthsat the median | 60 months |
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.
NCB Jamaica
Pros
- The monthly fee is JMD 0, so holding the account costs nothing and is easy to keep alongside other banking.
- Free early repayment is offered on loans, so an advance can be settled ahead of schedule without an extra charge.
- Approved personal advances are funded Within 24 hours of approval by a bank that lends directly to customers.
Cons
- Interest is variable and pays 0.55% to 1.2%, below the 3% median for savings accounts on the site.
- Opening the account requires a minimum deposit of JMD 5,000, which puts a floor under the balance for anyone starting small.
- Advance eligibility is narrow: Jamaican residents, employed for a minimum period, salary paid into an NCB account and a clean NCB payment record over that period.
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
NCB Jamaica
Who it suits
- Jamaican households who want a fee free everyday account with card, phone and app access.
- Borrowers paid a salary into an NCB account who want to clear a personal advance early without a charge.
- People who treat their balance as spendable money and want it reachable at any time.
Who should look elsewhere
- Anyone chasing a higher savings return, since Wise pays 3.29% on its interest product.
- Savers wanting a wider spread of deposit rates, as Finteres offers 0% to 36%.
- Euro account holders after a higher headline rate, since bunq pays 3.01%.
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 | NCB Jamaica |
|---|---|---|
| Jamaica | 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.
NCB Jamaica
What does it cost to hold the account?+
Holding the account is free, with a monthly fee of JMD 0 and a minimum deposit of JMD 5,000 to open it. Borrowing sits outside that, since the Pay Advance Plus product carries a processing fee that already includes GCT.
Who regulates NCB Jamaica?+
The Jamaican operation is regulated by the Bank of Jamaica, the regulator named for the country. Accounts and loans sit with the same legal entity, National Commercial Bank Jamaica Limited, and the bank has been in business since 1837.
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Creduma ES
NCB Jamaica