Updated September 28, 2026 · BorrowCue Editorial Team
Consumers Credit Union vs Solcredito MX
What sets them apart
| Compare |  Consumers Credit Union |  Solcredito MX |
|---|---|---|
| APR | 3.99% to 9.99%Lower | 9.5% to 3,696% |
| Term | 0 to 84 monthsHigher | 3 to 48 months |
| Funding time | Funds could be available the same day you apply for a personal loan | Within 24 hours |
| Representative example | Auto loan: $20,000 financed at 3.99% APR over 60 months = $368.00 monthly | Borrow $10,000 at a 12% annual rate over 6 months: monthly payment $1,732.98, total repayment $10,397.88 (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 | 18-80 years old, resident in Mexico, hold an account at a national bank, email and mobile phone |
| Loan types | Car, Personal, Debt consolidation, Secured | Personal, Car, Secured, Debt consolidation, BNPLCovers more |
| Loan amount | Not confirmed | up to MX$100,000 |
| Arrangement fee | Not confirmed | 0 MXN |
| Credit check | Soft prequal | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- Consumers Credit Union scores higher overall: 9.3 vs 8.7.
- Founded is lower at Consumers Credit Union: 1930 vs 2011.
- APR is lower at Consumers Credit Union: 3.99% to 9.99% vs 9.5% to 3,696%.
- Term is higher at Consumers Credit Union: 0 to 84 months vs 3 to 48 months.
- Support channels: only Consumers Credit Union offers Phone.
- Loan types: only Solcredito MX offers BNPL.
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.
Solcredito MX
Solcredito MX suits Mexican residents with poor credit who need a personal loan quickly and want the repayment fixed. Funding lands Within 24 hours, the origination fee is 0 MXN, and the wide rate band is the main thing to check before you sign.
Score breakdown
| Area | Consumers Credit Union | Solcredito MX |
|---|---|---|
| Cost | 9.5Higher | 8.9 |
| Offer | 8.6Higher | 8.59.5% to 3,696% is far wider than the alternatives, which is what holds the offer score back, though the fixed fixed rate keeps payments predictable. |
| Trust | 9.6Higher | 8.5 |
From lowest to highest
| Fact | Consumers Credit Union | Solcredito MX |
|---|---|---|
| APR | 3.99% to 9.99% | 9.5% to 3,696% |
| Term | 0 to 84 months | 3 to 48 months |
What each covers
| Loan types | Consumers Credit Union | Solcredito MX |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| BNPL | No | Yes |
| Use cases | Consumers Credit Union | Solcredito MX |
|---|---|---|
| Home improvement | Yes | Yes |
Where these facts come from
Consumers Credit Union
- myconsumers.org: 16 facts, checked September 26, 2026
Solcredito MX
- solcredito.mx: 18 facts, checked September 26, 2026
How they place
| Ranking | Consumers Credit Union | Solcredito MX |
|---|---|---|
| Personal loans | 83 of 1932 | 61 of 1932 |
| Debt consolidation loans | 30 of 425 | 23 of 425 |
| Secured loans | 14 of 472 | 10 of 472 |
| Car loans | 20 of 431 | 17 of 431 |
| Home improvement loans | 36 of 562 | 28 of 562 |
Every fact side by side
| Fact | Consumers Credit Union | Solcredito MX |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Consumers Credit Union | Fiizy OU |
| Headquarters | United States | Estonia |
| Founded | 1930Lower | 2011 |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Consumers Credit Union | Solcredito MX | Median |
|---|---|---|---|
| APR | 3.99% to 9.99%lowest quarter | 9.5% to 3,696%above the median | 8.99 |
| Loan amount | Not confirmed | up to MX$100,000above the median | MX$80,000 |
| Term | 0 to 84 monthsabove the median | 3 to 48 monthsbelow the median | 60 |
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%.
Solcredito MX
Pros
- Origination fee of 0 MXN, so the cost is the interest and the amount you repay rather than a fee sitting on top.
- Poor credit is enough: poor is the stated requirement, and 70.1% shows most brands in the bad credit ranking ask the same.
- Quick payout on an accepted application, with funding Within 24 hours and same-day funding listed as a feature, same day funding.
Cons
- The rate band is the weak point: 9.5% to 3,696% stretches far wider than the 10% to 23% at Monzo Flex or the PHP 12 to PHP 36 at Cashspace.
- Support runs on email and help centre only, while phone is the most common channel in the personal loan ranking, 85.3%.
- It is a broker, broker, so the rate and the contract come from whichever lender takes the application, and direct lenders lead the personal loan ranking at 76.3%.
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%.
Solcredito MX
Who it suits
- Adults living in Mexico with a bank account, an email address and a mobile number, applying on poor credit.
- Borrowers who need the money Within 24 hours and can live with a monthly amount set on a fixed basis.
- People consolidating debts, buying a car or fixing up a home, since personal, car and secured and home improvement cover those uses.
Who should look elsewhere
- Borrowers who want a tight rate band: Monzo Flex prices at 10% to 23% and Cashspace at PHP 12 to PHP 36, both narrower than 9.5% to 3,696%.
- People who need to talk something through, since support is limited to email and help centre rather than a phone line.
- Borrowers wanting a bigger sum than up to MXN 100,000 or a longer term than 3 to 48, who would do better checking direct lenders than a broker.
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
Solcredito MX
Current offer
First period offer
First loan from 0% interest: 0% interest on the first loan
Offer depends on the lender network; the exact CAT and any charges are disclosed before signing the loan contract
Source, checked September 26, 2026
Bonus
Extra $12,000 from 0% for special events: 12,000 MXN additional credit at 0%
Special event promotion on personal loans, terms per lender offer
Source, checked September 26, 2026
Country by country
| Country | Consumers Credit Union | Solcredito 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.
Solcredito MX
What rate will I pay on a Solcredito MX personal loan?+
Rates depend on the partner lender your application reaches, and the published band is 9.5% to 3,696%, which is wide. For context, the middle of the market on this site is 12%. Ask for the rate in writing once an offer lands, and compare the total you repay against the amount you borrow.
Does Solcredito MX charge an origination fee?+
The stated origination fee is 0 MXN, so the headline cost here is the interest itself. That compares well with lenders that add a fee on top of the rate. Read the partner lender's terms too, since a broker arrangement carries terms set by the funder.
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