Updated September 28, 2026 · BorrowCue Editorial Team
Consumers Credit Union vs Fiesta Credito MX
Where Consumers Credit Union and Fiesta Credito MX differ
| Compare |  Consumers Credit Union |  Fiesta Credito MX |
|---|---|---|
| APR | 3.99% to 9.99% | 0% to 3.752%Lower |
| Term | 0 to 84 monthsHigher | 1 to 36 months |
| Funding time | Funds could be available the same day you apply for a personal loan | Deposited directly in your bank account in under 24 hours |
| Representative example | Auto loan: $20,000 financed at 3.99% APR over 60 months = $368.00 monthly | Personal loan of 10,000 MXN at a 12% annual rate over 6 months: monthly payment 1,732.98 MXN, total repayment 10,397.88 MXN, total CAT 12.001% |
| Lender type | Direct lender | Broker |
| Eligibility | Anyone can join Consumers Cooperative Association (CCU's membership common bond); adults 18 and older, minors 13-17 with a parent or legal guardian joint on the account; valid unexpired US government photo ID and Social Security number required | Ages 18 to 80, resident of Mexico, CURP, national bank account, email address and mobile number |
| Loan types | Car, Personal, Debt consolidation, Secured | Personal, Payday, Secured |
| Loan amount | Not confirmed | MX$1,000 to MX$150,000 |
| Arrangement fee | Not confirmed | 0 MXN |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Soft prequal), Use cases (Home improvement).
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Key differences
- Consumers Credit Union scores higher overall: 9.3 vs 8.9.
- APR is lower at Fiesta Credito MX: 0% to 3.752% vs 3.99% to 9.99%.
- Term is higher at Consumers Credit Union: 0 to 84 months vs 1 to 36 months.
- Loan types: only Consumers Credit Union offers Car, Debt consolidation.
- Loan types: only Fiesta Credito MX offers Payday.
Our verdict on each
Consumers Credit Union
Consumers Credit Union lends directly to its members and suits borrowers who want fixed rate borrowing at the low end of the market. Rates run 3.99% to 9.99%, the loan book covers car, personal and debt consolidation, and applications run a soft prequal check, with same day funding for those in a hurry.
Fiesta Credito MX
Fiesta Credito MX suits Mexican adults with a national bank account who want a small personal, payday or secured loan priced without an origination fee. Its 0% to 3.752% sits below the 12% most brands charge, though the 1 to 36 cap keeps large balances costly to clear.
Score breakdown
| Area | Consumers Credit Union | Fiesta Credito MX |
|---|---|---|
| Cost | 9.5 | 9.7HigherFees are 0 MXN with a percentage fee of 0%, and borrowing is priced at 0% to 3.752%. |
| Offer | 8.6Higher | 8.5 |
| Trust | 9.6Higher | 8.3 |
What each covers
| Loan types | Consumers Credit Union | Fiesta Credito MX |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | No |
| Use cases | Consumers Credit Union | Fiesta Credito MX |
|---|---|---|
| Home improvement | Yes | Yes |
Which one suits you
Pick Consumers Credit Union if term matter most.
Pick Fiesta Credito MX if apr matter most.
Positions in our rankings
| Ranking | Consumers Credit Union | Fiesta Credito MX |
|---|---|---|
| Personal loans | 83 of 1932 | 36 of 1932 |
| Secured loans | 14 of 472 | 5 of 472 |
| Home improvement loans | 36 of 562 | 15 of 562 |
Every fact side by side
| Fact | Consumers Credit Union | Fiesta Credito MX |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Consumers Credit Union | Finceptiv OÜ |
| Headquarters | United States | Estonia |
| Founded | 1930 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Consumers Credit Union | Fiesta Credito MX | Median |
|---|---|---|---|
| APR | 3.99% to 9.99%lowest quarter | 0% to 3.752%lowest quarter | 8.99 |
| Loan amount | Not confirmed | MX$1,000 to MX$150,000above the median | MX$80,000 |
| Term | 0 to 84 monthsabove the median | 1 to 36 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Consumers Credit Union
Pros
- Rates run 3.99% to 9.99%, below the personal loan median of 12.25% on the site.
- Borrowing is fixed rate, so the payment does not move with the market.
- Applications run a soft prequal check, while 76.5% of personal loans here use a hard check.
Cons
- Membership is required: you must meet the common bond and show a valid unexpired government photo ID and a Social Security number.
- The representative example for an auto loan is worked out at the cheapest rate in the range, so its monthly payment reads as a floor.
- Help runs on phone, email and help centre, and chat is the least used support channel on the site at 33.1%.
Fiesta Credito MX
Pros
- The origination fee is 0 MXN and the percentage fee is 0%, so the cost of setting up a loan is nothing.
- APR runs 0% to 3.752%, below the 12% across the site, which keeps the headline cost of a loan competitive.
- The credit check is a soft prequal search, so checking your rate does not carry the same weight as a hard search.
Cons
- Fiesta Credito MX is a broker, so a lender you never name is the one holding the loan and setting the final terms.
- The term runs 1 to 36, far shorter than the 60 typical of secured lending, so a large balance is expensive to clear.
- The credit needed is poor, and the bad credit market here runs a 19.98% APR against the 0% to 3.752% quoted here.
Who each suits
Consumers Credit Union
Who it suits
- US borrowers who can meet the membership common bond and want a fixed rate loan priced at 3.99% to 9.99%.
- Car buyers and anyone tidying existing debt, since the book covers car, personal and debt consolidation.
- Households funding home improvement projects, with terms running 0 to 84 months.
Who should look elsewhere
- Anyone outside the US, because this lender is based in the United States.
- Borrowers after a market priced in Philippine pesos can look at Cashspace, whose rates run PHP 12 to PHP 36.
- Readers who want interest free credit may prefer Cashspace ES at 0%, or a wider rate band from Monzo Flex at 10% to 23%.
Fiesta Credito MX
Who it suits
- Adults living in Mexico with a CURP and a national bank account who need a personal or payday loan.
- Borrowers with poor credit who want a soft prequal check rather than a hard one before they apply.
- People funding home improvement work, the single stated use case on the home improvement list.
Who should look elsewhere
- Anyone wanting a long fixed term: the 1 to 36 window ends well short of the 60 seen across personal loan brands.
- Borrowers who want to know exactly who lends to them, because Fiesta Credito MX works as a broker.
- Readers priced off a flat rate, since Monzo Flex quotes 10% to 23% where Fiesta Credito MX runs its 0% to 3.752% at the bottom of the range.
Current offers
Consumers Credit Union
Current offer
Discount code
0.50% APR discount on auto loans bought through CCU's Car Buying Service: 0.50% APR discount
Auto loan must be booked through CCU and the vehicle purchased at a certified dealer through CCU's Car Buying Service purchasing process
Source, checked September 26, 2026
Country by country
| Country | Consumers Credit Union | Fiesta Credito MX |
|---|---|---|
| Mexico | No | Yes |
| United States | Yes | No |
Questions about each
Consumers Credit Union
What rate will I pay?+
Consumers Credit Union lists rates of 3.99% to 9.99% and the borrowing is fixed rate, so the figure you are offered does not drift with the market. The published auto example sits at the cheapest end of that range, so treat it as a floor. Loans cover car, personal and debt consolidation.
Is my money safe with this credit union?+
The credit union is supervised by the National Credit Union Administration, and deposits carry federal insurance through it. Borrowing is arranged with a direct lender, so the published rate sheet is the sheet your offer is priced from.
Fiesta Credito MX
What does a Fiesta Credito MX loan cost?+
There is no origination charge: the origination fee is 0 MXN and the percentage fee is 0%. Borrowing itself is priced at 0% to 3.752%, and the site-wide figure is 12%. A representative example is published for a personal loan, showing the annual rate, a fixed monthly payment and the total amount repaid.
How much can I borrow and for how long?+
Amounts run MXN 1,000 to MXN 150,000, so the range suits a household bill or a repair rather than a major project. The term is 1 to 36, which is short by the standards of this market. Personal, payday and secured loans are all available, and home improvement is the use case the brand highlights.