Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs Solcredito MX
Addi vs Solcredito MX: the differences
| Compare |  Addi |  Solcredito MX |
|---|---|---|
| APR | 0% to 29.14%Lower | 9.5% to 3,696% |
| Term | 1 to 6 months | 3 to 48 monthsHigher |
| Arrangement fee | 0 COP (no handling fee) | 0 MXN |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | Within 24 hours |
| Lender type | Direct lender | Broker |
| Loan types | BNPL, Credit line | Personal, Car, Secured, Debt consolidation, BNPL |
| Loan amount | Not confirmed | up to MX$100,000 |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | Borrow $10,000 at a 12% annual rate over 6 months: monthly payment $1,732.98, total repayment $10,397.88 (total CAT 12.001%) |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | 18-80 years old, resident in Mexico, hold an account at a national bank, email and mobile phone |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed).
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Key differences
- Addi scores higher overall: 9.3 vs 8.7.
- APR is lower at Addi: 0% to 29.14% vs 9.5% to 3,696%.
- Term is higher at Solcredito MX: 3 to 48 months vs 1 to 6 months.
- Support channels: only Addi offers Phone, Community.
- Features: only Addi offers Credit line.
- Features: only Solcredito MX offers Same day funding.
- Loan types: only Addi offers Credit line.
- Loan types: only Solcredito MX offers Personal, Car, Secured.
Our verdict on each
Addi
Addi suits Colombian shoppers who want a credit line or pay-later plan at checkout rather than a cash loan. The costs are modest: fees of 0 COP (no handling fee) and an annual rate of 0% to 29.14%, with borrowing that a hard credit check sits behind.
Solcredito MX
Solcredito MX suits Mexican residents with poor credit who need a personal loan quickly and want the repayment fixed. Funding lands Within 24 hours, the origination fee is 0 MXN, and the wide rate band is the main thing to check before you sign.
Score breakdown
| Area | Addi | Solcredito MX |
|---|---|---|
| Cost | 9.5Higher | 8.9 |
| Offer | 9.0Higher | 8.59.5% to 3,696% is far wider than the alternatives, which is what holds the offer score back, though the fixed fixed rate keeps payments predictable. |
| Trust | 9.2Higher | 8.5 |
Where they rank in our lists
| Ranking | Addi | Solcredito MX |
|---|---|---|
| Buy now, pay later | 12 of 88 | 2 of 88 |
Where each is licensed and available
Additional countries for Addi: 1. Additional countries for Solcredito MX: 1.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 29.14% for Addi and 9.5% to 3,696% for Solcredito MX.
FINANZCHECK.de reviewSources behind this comparison
Addi
- co.addi.com: 14 facts, checked September 26, 2026
Solcredito MX
- solcredito.mx: 18 facts, checked September 26, 2026
Every fact side by side
| Fact | Addi | Solcredito MX |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Adelante Soluciones Financieras S.A.S. | Fiizy OU |
| Headquarters | Colombia | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Addi | Solcredito MX | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | 9.5% to 3,696%above the median | 8.99 |
| Loan amount | Not confirmed | up to MX$100,000above the median | MX$80,000 |
| Term | 1 to 6 monthslowest quarter | 3 to 48 monthsbelow the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Addi
Pros
- The purchase is paid straight to the merchant at checkout, so credit is applied for in minutes
- Fees of 0 COP (no handling fee), so there is no handling charge on the credit or the line
- Fixed rates, with a fixed structure rather than a variable one
Cons
- The application runs a hard credit check, so a declined application shows on the credit file
- Repayment terms run 1 to 6, which is short for anyone wanting a longer period
- The top of the annual rate range is high at 0% to 29.14%, so cost varies sharply with the borrower
Solcredito MX
Pros
- Origination fee of 0 MXN, so the cost is the interest and the amount you repay rather than a fee sitting on top.
- Poor credit is enough: poor is the stated requirement, and 70.1% shows most brands in the bad credit ranking ask the same.
- Quick payout on an accepted application, with funding Within 24 hours and same-day funding listed as a feature, same day funding.
Cons
- The rate band is the weak point: 9.5% to 3,696% stretches far wider than the 10% to 23% at Monzo Flex or the PHP 12 to PHP 36 at Cashspace.
- Support runs on email and help centre only, while phone is the most common channel in the personal loan ranking, 85.3%.
- It is a broker, broker, so the rate and the contract come from whichever lender takes the application, and direct lenders lead the personal loan ranking at 76.3%.
Who each suits
Addi
Who it suits
- Colombian shoppers splitting a purchase at checkout rather than taking a cash loan
- People who want a reusable credit line open alongside a pay-later plan
- Borrowers with a good credit file who pass a hard check and settle early
Who should look elsewhere
- Anyone who needs money paid into a bank account, as the purchase is paid to the merchant at checkout
- Borrowers who need a longer repayment period than 1 to 6
- People who cannot pass a hard credit check
Solcredito MX
Who it suits
- Adults living in Mexico with a bank account, an email address and a mobile number, applying on poor credit.
- Borrowers who need the money Within 24 hours and can live with a monthly amount set on a fixed basis.
- People consolidating debts, buying a car or fixing up a home, since personal, car and secured and home improvement cover those uses.
Who should look elsewhere
- Borrowers who want a tight rate band: Monzo Flex prices at 10% to 23% and Cashspace at PHP 12 to PHP 36, both narrower than 9.5% to 3,696%.
- People who need to talk something through, since support is limited to email and help centre rather than a phone line.
- Borrowers wanting a bigger sum than up to MXN 100,000 or a longer term than 3 to 48, who would do better checking direct lenders than a broker.
Current offers
Addi
Current offer
Bonus
Minuto Ganador 2026: Bonus worth 100% of your purchase
Request your Cupo and buy in installments; every 5 minutes there is a winner
Source, checked September 26, 2026
Bonus
0% interest in up to 3 installments: 0% interest for eligible customers
Subject to transaction eligibility criteria set out in the 0% interest T&C
Source, checked September 26, 2026
Solcredito MX
Current offer
First period offer
First loan from 0% interest: 0% interest on the first loan
Offer depends on the lender network; the exact CAT and any charges are disclosed before signing the loan contract
Source, checked September 26, 2026
Bonus
Extra $12,000 from 0% for special events: 12,000 MXN additional credit at 0%
Special event promotion on personal loans, terms per lender offer
Source, checked September 26, 2026
Country by country
| Country | Addi | Solcredito MX |
|---|---|---|
| Colombia | Yes | No |
| Mexico | No | Yes |
Questions about each
Addi
What does Addi cost to borrow?+
The published annual rate runs 0% to 29.14%, and there is a handling fee of 0 COP (no handling fee). Rates are fixed, so the cost of a plan does not drift while the balance is open. Early repayment carries no charge, which means settling sooner reduces the amount paid overall.
Is there a fee for opening a credit line?+
No handling fee applies: 0 COP (no handling fee) is what is listed for the credit and the line. The ongoing cost is interest, set on a fixed basis rather than a variable one, so the rate quoted at the start holds for the life of the plan.
Solcredito MX
What rate will I pay on a Solcredito MX personal loan?+
Rates depend on the partner lender your application reaches, and the published band is 9.5% to 3,696%, which is wide. For context, the middle of the market on this site is 12%. Ask for the rate in writing once an offer lands, and compare the total you repay against the amount you borrow.
Does Solcredito MX charge an origination fee?+
The stated origination fee is 0 MXN, so the headline cost here is the interest itself. That compares well with lenders that add a fee on top of the rate. Read the partner lender's terms too, since a broker arrangement carries terms set by the funder.
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