Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Credigenio ES
What sets them apart
| Compare |  Andacredito |  Credigenio ES |
|---|---|---|
| APR | 0% to 36% | 0% to 317% |
| Loan amount | €100 to €5,000 | €50 to €5,000 |
| Term | 2 to 3 months | 3 to 4 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR - no application, opening or management fee |
| Funding time | 10 minutes | Same day - money can be in your account today |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll required |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday |
| Credit needed | Poor | Fair |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Free early repayment (Yes).
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Key differences
- Term is higher at Credigenio ES: 3 to 4 months vs 2 to 3 months.
- Support channels: only Credigenio ES offers Help centre.
- Loan types: only Andacredito offers Car, Business, Student.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
Credigenio ES
Credigenio ES suits Spanish adults who need a small personal or payday loan today and can clear it inside 3 to 4. Speed is the draw, and the fee line reads 0 EUR - no application, opening or management fee, but APR runs 0% to 317% and the offer score is 1.5.
Score breakdown
| Area | Andacredito | Credigenio ES |
|---|---|---|
| Cost | 9.5 | 9.5 |
| Offer | 8.3 | 8.4HigherFree early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. |
| Trust | 8.3Higher | 8.1 |
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 3 months for Andacredito and 3 to 4 months for Credigenio ES.
Sofkredit reviewSources behind this comparison
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
How they place
| Ranking | Andacredito | Credigenio ES |
|---|---|---|
| Personal loans | 13 of 1932 | 12 of 1932 |
| Payday and short-term loans | 4 of 246 | 3 of 246 |
| Loans for bad credit | 9 of 275 | 8 of 275 |
Every fact side by side
| Fact | Andacredito | Credigenio ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Adwells Group OÜ (registration number 17379392) |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Credigenio ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 317%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €5,000lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
Credigenio ES
Pros
- No charge to set the loan up: 0 EUR - no application, opening or management fee on the personal and the payday product alike.
- Money can land the same day: Same day - money can be in your account today.
- Early repayment is free, so a shorter hold genuinely costs less.
Cons
- APR runs 0% to 317%, against 10% to 23% at Monzo Flex and PHP 12 to PHP 36 at Cashspace, so the rate is the weak point.
- 3 to 4 is the whole window, so anything beyond a bridge to the next payday does not fit.
- Support runs on email and help centre only, with no phone line or live chat listed.
Who each suits
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
Credigenio ES
Who it suits
- Readers who put speed and a clear fee first, since Same day - money can be in your account today and 0 EUR - no application, opening or management fee are the parts worth having, against the PHP 12 to PHP 36 range Cashspace lists.
- Borrowers turned away elsewhere who still meet the fair bar, since no guarantor and no payroll document are needed.
- Anyone who can settle inside 3 to 4 and wants to finish without a charge, rather than rolling a balance while paying PHP 12 to PHP 36 elsewhere.
Who should look elsewhere
- Anyone choosing on rate: Monzo Flex lists 10% to 23%, far under the 0% to 317% range here.
- Borrowers who need a longer window than 3 to 4 to clear a balance, since nothing longer is offered here.
- Readers who want a phone or live chat line, because support runs on email and help centre only.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Credigenio ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Credigenio ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
Credigenio ES
What does it cost to borrow?+
There is no application, opening or management charge, since the stated origination fee is 0 EUR - no application, opening or management fee, and it applies to both the personal and the payday product. The real cost sits in the interest, where APR runs 0% to 317%. Settle early and that cost stops building, because early repayment is free.
What does a real loan from this look like?+
The representative example takes a small loan over a short term and shows the total repayable well above the amount borrowed, with the cost of borrowing a marked share of the repayment. That is the pattern to expect, and 3 to 4 is the window on offer across both the personal and the payday product. Compare it with the 0% to 317% range before you commit.
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