Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs Credigenio ES
Where Cashspace and Credigenio ES differ
| Compare |  Cashspace |  Credigenio ES |
|---|---|---|
| APR | ₱12 to ₱36 | 0% to 317% |
| Loan amount | ₱500 to ₱25,000 | €50 to €5,000 |
| Term | 2 to 4 months | 3 to 4 months |
| Arrangement fee | 0 | 0 EUR - no application, opening or management fee |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | Same day - money can be in your account today |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% |
| Lender type | Broker | Marketplace |
| Eligibility | Applicants in the Philippines, valid ID required | 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, Credit lineCovers more | Personal, Payday |
| Credit needed | Poor | Fair |
| Credit check | Hard | Not confirmed |
| Free early repayment | Not confirmed | Yes |
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
- Cashspace scores higher overall: 8.9 vs 8.7.
- Support channels: only Cashspace offers Community.
- Features: only Cashspace offers Credit line.
- Loan types: only Cashspace offers Credit line.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
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 | Cashspace | Credigenio ES |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 9.5 |
| Offer | 8.5Higher | 8.4Free early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. |
| Trust | 8.3Higher | 8.1 |
From lowest to highest
| Fact | Cashspace | Credigenio ES |
|---|---|---|
| Term | 2 to 4 months | 3 to 4 months |
Where each is licensed and available
Additional countries for Cashspace: 1. Additional countries for Credigenio ES: 1.
How they place
| Ranking | Cashspace | Credigenio ES |
|---|---|---|
| Personal loans | 33 of 1932 | 12 of 1932 |
| Payday and short-term loans | 15 of 246 | 3 of 246 |
| Loans for bad credit | 20 of 275 | 8 of 275 |
Every fact side by side
| Fact | Cashspace | Credigenio ES |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Fininity OU | Adwells Group OÜ (registration number 17379392) |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Help centre, CommunityCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Cashspace | Credigenio ES | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
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
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
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
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 | Cashspace | Credigenio ES |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
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.
Other options to compare
Other matchups
- Credigenio ES vs Oney Préstamos ES
- Credigenio ES vs Sofkredit
- Credigenio ES vs Quick Car Finance
- Credigenio ES vs Prestamiau ES
- Credigenio ES vs Credityes
- Cashspace vs Pezetita
- Cashspace vs Fidea
- Cashspace vs Multitude Bank p.l.c
- Cashspace vs Qonto ES
- Cashspace vs Lendela
- Cashspace vs BriteCap Financial
- Cashspace vs Kredivo
- Cashspace vs Moneyveo UA
- Cashspace vs TF Bank
- Cashspace vs Upgrade