Updated September 28, 2026 · BorrowCue Editorial Team
Cashper AT vs Credigenio
Cashper AT vs Credigenio: the differences
| Compare |  Cashper AT |  Credigenio |
|---|---|---|
| APR | 13.48% to 13.5% | 0% to 36%Lower |
| Loan amount | €100 to €1,500 | MX$1,000 |
| Term | 15 to 60 monthsHigher | 3 to 4 months |
| Funding time | Within 1 business day with the paid SUPER-DEAL; standard payout within 5 business days (up to 7 calendar days) | 15-30 minutes |
| Representative example | Loan amount 300 EUR, 30 days, effective annual rate 13.46% (fixed), interest 3.13 EUR, total repayable 303.13 EUR | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT |
| Lender type | Direct lender | Broker |
| Eligibility | Consumers resident in Austria, minimum 18 years old, regular net income | 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, PaydayCovers more | Personal |
| Arrangement fee | Not confirmed | 0 MXN |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cashper AT scores higher overall: 9.0 vs 8.7.
- APR is lower at Credigenio: 0% to 36% vs 13.48% to 13.5%.
- Term is higher at Cashper AT: 15 to 60 months vs 3 to 4 months.
- Support channels: only Cashper AT offers Phone, Help centre.
- Loan types: only Cashper AT offers Payday.
Our verdict on each
Cashper AT
Cashper AT is a small Austrian personal and payday lender for adults with regular net income who need a modest amount quickly. Loans of €100 to €1,500 run at rates of 13.48% to 13.5%, with same-day funding available on the paid deal.
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 | Cashper AT | Credigenio |
|---|---|---|
| Cost | 8.7 | 9.5Higher |
| Offer | 9.1HigherLoan amounts of €100 to €1,500 and terms of 15 to 60 sit well below the site medians of €876.96 and 36. | 8.3 |
| Trust | 9.2Higher | 8.3 |
How they place
| Ranking | Cashper AT | Credigenio |
|---|---|---|
| Personal loans | 693 of 1920 | 11 of 1920 |
Availability and regulation
| Country | Cashper AT | Credigenio |
|---|---|---|
| Malta | Not confirmed |
Additional countries for Cashper AT: 2. Additional countries for Credigenio: 2.
Every fact side by side
| Fact | Cashper AT | Credigenio |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Bank DiMare Limited | Adwells Group OÜ |
| Headquarters | Malta | Mexico |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Cashper AT | Credigenio | Median |
|---|---|---|---|
| APR | 13.48% to 13.5%above the median | 0% to 36%lowest quarter | 8.99 |
| Term | 15 to 60 monthsat the median | 3 to 4 monthslowest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Cashper AT
Pros
- Fixed rate of fixed, so the cost does not move during the loan
- Same-day funding is listed, and standard payout lands within a few business days
- A direct lender rather than a broker, so you deal with one company
Cons
- Amounts top out at €100 to €1,500, well below the site median of €876.96
- A hard credit check means the search leaves a trace on your file
- The lending entity is Bank DiMare Limited in Malta, supervised by the Malta Financial Services Authority, so you sign with a lender based outside Austria
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
Cashper AT
Who it suits
- Adults resident in Austria with a regular net income
- Borrowers covering a short gap who can clear a hard credit check
- People who want a single fixed rate rather than a variable one
Who should look elsewhere
- Anyone who needs a larger loan, since the ceiling is €100 to €1,500
- Borrowers with a thin credit file, because the credit check is hard
- Monzo Flex, if a soft check matters more to you than fast payout
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
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 | Cashper AT | Credigenio |
|---|---|---|
| Austria | Yes | No |
| Malta | Yes | No |
| Mexico | No | Yes |
| Spain | No | Yes |
Questions about each
Cashper AT
What is the maximum I can borrow from Cashper AT?+
Loans run from €100 to €1,500, which is a small range compared with the site median amount of €876.96. That makes Cashper AT a short-term option rather than a way to fund something large, such as a car or a renovation.
What rate do I pay on a Cashper AT loan?+
The rate is 13.48% to 13.5% and it is fixed, so it holds for the whole term. The representative example shows a small loan over a short period with interest added to the amount borrowed and the total repayable sitting just above it.
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.