Andacrédito MX review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Andacrédito suits borrowers with a poor credit record who need money the same day and want no arrangement fee, and offers fixed-rate personal and payday loans from MXN 100 to MXN 20,000.

Key facts

Best for
Borrowers with a poor credit record who need a small personal or payday loan paid out the same day at a fixed rate.
APR
0% to 49% (Source, checked September 26, 2026)
Loan amount
MX$100 to MX$20,000 (Source, checked September 26, 2026)
Term
3 to 12 months (Source, checked September 26, 2026)
Arrangement fee
0 MXN - no opening commission, the loan selection service is free to the customer (Source, checked September 26, 2026)
Funding time
Money transferred within 10 minutes (Source, checked September 26, 2026)
Representative example
Loan of 8,000 MXN over 6 months at a 12% annual rate: about 1,379 MXN per month (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Users must be over 18 years old, hold a bank account in their own name and show ability to repay through stable income; no spotless credit history required (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Fininity OÜ (AndaCrédito is its trading brand; also referenced as Fininity Ltd. in the terms) (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
andacredito.mx

Pros and cons

Pros

  • No arrangement fee: the loan selection service is free to the customer.
  • Free early repayment, so clearing the balance early carries no charge.
  • Same-day funding, with Money transferred within 10 minutes.
  • Fixed-rate lending, which keeps the monthly payment steady for the life of the loan.
  • It accepts a poor credit record, with no spotless credit history required.

Cons

  • The top of the rate range is heavy: the APR runs to 0% to 49%, and the offer score on this page is only 0.1.
  • Repayments are squeezed into a short window, with terms of 3 to 12.
  • Support runs on email only, so email is the route to a human being.
  • A broker rather than a lender, so the rate you are offered depends on which partner answers your application.
Andacrédito MX

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Who it suits

  • Adults with stable income who hold a bank account in their own name and need a same-day payment.
  • Borrowers with a poor credit record, since no spotless credit history is required.
  • People who want to settle a loan early at no cost, as early repayment is free.

Who should look elsewhere

  • Anyone wanting a lender with a named regulator, since no licence is listed for Andacrédito.
  • Borrowers who need a long repayment period, because terms stop at 3 to 12.
  • People who want to avoid the top of the cost range, as the APR reaches 0% to 49%.

Safety and regulation

Andacrédito works as a broker rather than as the company that hands you the money, so the lender behind your loan is a partner it selects. Its representative example sets out a fixed sum borrowed over a short monthly term at a low annual rate, repaid with a regular instalment. No regulator or licence is listed for the brand, and no protection scheme is named, so there is no stated backstop behind a brokered loan. That is the trade-off readers in this group should weigh first, before the rate.

Rates and costs

Andacrédito sets a single rate type, fixed, so the monthly payment does not move during the term. The APR spans 0% to 49%, and the top of that range is where the cost sits. There is no arrangement fee: no opening commission, and the loan selection service is free to the customer. Early repayment is free as well, which means a shorter month of paying costs nothing extra. The representative example anchors the figures: a mid-sized loan on a short monthly term at a modest annual rate, with the same instalment each month.

Applying and getting the money

Applying is built around speed. Same-day funding is a listed feature and the money lands in Money transferred within 10 minutes, so the wait is measured in minutes rather than days. The size of a loan runs from MXN 100 to MXN 20,000, and the term is 3 to 12. Personal and payday lending sit under the same broker service, so the amount and the length you choose decide which product you are matched with. The short terms mean the monthly payment is high relative to the sum borrowed.

Who runs it

The trading brand is AndaCrédito, and the legal entity behind it is Fininity OÜ, which the terms also reference as Fininity Ltd. It is a broker, so the named company runs the matching service and its partners hold the lending relationships. Its headquarters sit in Estonia. Support runs on email, with email as the stated channel, so anyone weighing a brokered application should plan to handle questions in writing.

How Andacrédito MX compares

Where Andacrédito MX is available

Available
Mexico

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Who actually lends the money?+

You are a broker, so Andacrédito passes your application to a lending partner rather than lending to you itself. The terms you get are the partner's, and the selection service carries no cost to you. Fixed-rate lending is what it offers, with an APR of 0% to 49%.

Is it regulated and is my money protected?+

Andacrédito does not publish a regulator or licence, so there is no named scheme behind the money if something goes wrong. It works as a broker from EE, matching applications to lending partners, and that structure is worth understanding before you apply.

What does it cost to arrange the loan?+

There is no arrangement fee: no opening commission, and the loan selection service is free to the customer. Early repayment is free too, so you can settle the balance early without a charge. The cost sits in the interest rate rather than in fees.

What would a typical loan cost me?+

Andacrédito publishes a representative example of a fixed sum borrowed over a short term at a low annual rate, repaid with a monthly instalment. Your own offer will sit somewhere inside the range of 0% to 49%, so treat the example as a guide rather than a quote.

Will I be accepted with a bad credit history?+

It suits applicants with a rough credit record, since the credit needed is poor and no spotless credit history is required. You must be an adult, hold a bank account in your own name and show stable income, so proof of earnings matters more than a clean file.

How much can I borrow and for how long?+

Loans run from MXN 100 to MXN 20,000, and eligible terms are 3 to 12. That is a short window for a personal loan, so plan the monthly instalments carefully and check what a payday advance costs before committing.

How quickly do I get the money?+

Money reaches your account quickly: Money transferred within 10 minutes, and same-day funding is a listed feature. The catch is speed you may not need, since the top of the range is an APR of 0% to 49% and a spotless credit history is not required.

How do I get help or ask questions?+

Contact runs on email, so email is the route. A broker model means questions about which partner lends to you, and on what terms, are worth raising by email before you hand over details.

Sources

  • andacredito.mx checked September 26, 2026

    Backs: Term, Loan amount, APR, Credit needed, Features, Free early repayment, Funding time, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example

  • andacredito.mx/condiciones-generales checked September 26, 2026

    Backs: Eligibility

  • andacredito.mx/contacto checked September 26, 2026

    Backs: Support channels

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Andacrédito MX

Andacrédito MX

Borrowers with a poor credit record who need a small personal or payday loan paid out the same day at a fixed rate.

8.7/10Visit

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