Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Credigenio
Where Andacredito and Credigenio differ
| Compare |  Andacredito |  Credigenio |
|---|---|---|
| Loan amount | €100 to €5,000 | MX$1,000 |
| Term | 2 to 3 months | 3 to 4 monthsHigher |
| Arrangement fee | 0 EUR | 0 MXN |
| Funding time | 10 minutes | 15-30 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal |
| Credit needed | Poor | Fair |
| Credit check | Not confirmed | Hard |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: APR (0% to 36%), Lender type (Broker), Free early repayment (Yes).
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Key differences
- Credigenio is available in 1 more country.
- Term is higher at Credigenio: 3 to 4 months vs 2 to 3 months.
- Loan types: only Andacredito offers Payday, Car, Business.
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
Credigenio suits adults who need a small peso loan quickly and want nothing added for setting it up. Borrowing is MXN 1,000 with an APR of 0% to 36%, so treat it as short-term cash rather than a way to spread a large bill.
Score breakdown
| Area | Andacredito | Credigenio |
|---|---|---|
| Cost | 9.5 | 9.5 |
| Offer | 8.3 | 8.3 |
| Trust | 8.3 | 8.3 |
Side by side, item by item
| Loan types | Andacredito | Credigenio |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
From lowest to highest
| Fact | Andacredito | Credigenio |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Term | 2 to 3 months | 3 to 4 months |
How they place
| Ranking | Andacredito | Credigenio |
|---|---|---|
| Personal loans | 13 of 1932 | 11 of 1932 |
| Loans for bad credit | 9 of 275 | 7 of 275 |
Every fact side by side
| Fact | Andacredito | Credigenio |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Adwells Group OÜ |
| Headquarters | Estonia | Mexico |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Credigenio | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| 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
Pros
- The origination fee is 0 MXN, so nothing is added for setting the loan up.
- Money arrives in 15-30 minutes once a lender agrees, all within the same sitting.
- An APR of 0% to 36% starts at the cheapest end of the market, below the 10% to 23% band at Monzo Flex.
Cons
- Support runs on email only, so there is no phone or chat line when a payment date is close.
- Terms run 3 to 4, so the balance has to clear quickly and cannot be spread across a longer budget.
- As a broker, Credigenio sets no rate itself, so 0% to 36% is a band to plan against rather than the offer you sign.
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
Who it suits
- Adults who need a small peso loan today and hold an active mobile number plus a bank account in their own name.
- Borrowers who want no fee for setting up the loan and can clear it early at no charge.
- People with fair credit (fair) who accept a hard credit check in exchange for a short document list.
Who should look elsewhere
- Anyone wanting to spread the cost over years: Monzo Flex runs at 10% to 23% and suits a longer budget than 3 to 4.
- Readers after a larger sum: Cashspace works at PHP 12 to PHP 36, above the MXN 1,000 available here.
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
Current offer
First period offer
0% for new customers: 0% CAT on the first loan with selected lenders
Applies with selected lenders; the site's own example shows a 1000$ loan over 91 days at 0% CAT, total repayable 1000$
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Credigenio |
|---|---|---|
| Mexico | No | Yes |
| 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
What will a loan from Credigenio cost me?+
Interest is quoted as an APR of 0% to 36% and the origination fee is 0 MXN on the personal loan, which is the only type offered. The published representative example shows a small loan repaid in full at no extra cost in pesos, so what you actually pay depends on the offer the broker secures for you.
How much can I borrow?+
The amount stated is MXN 1,000, one figure rather than a range, which keeps the loan small. That suits a repair bill, a medical cost or a gap between wages. Readers who need more should weigh Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% instead.
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