Updated October 12, 2026 · BorrowCue Editorial Team
Credigenio ES vs Deudafix
Facts checked September 26, 2026.
Where Credigenio ES and Deudafix differ
| Compare |  Credigenio ES |  Deudafix |
|---|---|---|
| Loan amount | €50 to €5,000 | €5,000 to €5,000,000Higher |
| Eligibility | 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 | Citizens and residents of Spain, individuals and sole traders, with unsecured debts of 5,000 to 5,000,000 EUR owed to two or more creditors and under 1,000 EUR left after paying bills; assessment is free |
| Loan types | Personal, Payday | Debt consolidation |
| Credit needed | Fair | Poor |
| APR | 0% to 317% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Arrangement fee | 0 EUR - no application, opening or management fee | Not confirmed |
| Funding time | Same day - money can be in your account today | Not confirmed |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Not confirmed |
| Lender type | Marketplace | Not confirmed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Loan amount is higher at Deudafix: €5,000 to €5,000,000 vs €50 to €5,000.
- Support channels: only Credigenio ES offers Help centre.
- Support channels: only Deudafix offers Phone.
- Loan types: only Credigenio ES offers Personal, Payday.
- Loan types: only Deudafix offers Debt consolidation.
Our verdict on each
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.
Deudafix
Deudafix provides lawyer led assistance to cancel debts through the Ley de Segunda Oportunidad, with detailed assessment and help gathering documents. It suits people facing persistent collection calls who want a clear three stage path supported by a team of more than 300 staff.
Score breakdown
| Area | Credigenio ES | Deudafix |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.4Free early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. | Not confirmed |
| Trust | 8.1 | Not confirmed |
From lowest to highest
| Fact | Credigenio ES | Deudafix |
|---|---|---|
| Loan amount | €50 to €5,000 | €5,000 to €5,000,000 |
Where each is licensed and available
Available in 1 country for both.
Side by side, item by item
| Loan types | Credigenio ES | Deudafix |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
Also worth a look
Nebeus has loan amount at €100 to €10,000,000, against €50 to €5,000 for Credigenio ES and €5,000 to €5,000,000 for Deudafix.
Nebeus reviewWhat we checked
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Deudafix
- deudafix.es: 7 facts, checked September 26, 2026
How they place
| Ranking | Credigenio ES | Deudafix |
|---|---|---|
| Loans for bad credit | 8 of 276 | 1 of 276 |
Every fact side by side
| Fact | Credigenio ES | Deudafix |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ (registration number 17379392) | DEUDAFIX REPARADORA LEGAL GROUP, S.L. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Phone, Email |
Where each stands against the rest
| Fact | Credigenio ES | Deudafix | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | €5,000 to €5,000,000highest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | Not confirmed | 60 |
Median across 1007 listed lenders.
Pros and cons
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.
Deudafix
Pros
- Qualified lawyers manage each case with detailed individual assessment
- Clear three stage path from personal analysis to registry removal request
- Help collecting required documents keeps the application moving smoothly
Cons
- Telephone led intake without direct online filing option
- Focus stays on legal debt cancellation without wider lending options
Who each suits
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.
Deudafix
Who it suits
- People needing help to stop persistent collection calls
- People wanting lawyer support with documents and calls
Who should look elsewhere
- Those seeking standard personal lending
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 | Credigenio ES | Deudafix |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
Deudafix
Who can apply through Deudafix?+
Applications are open to citizens and residents in Spain who need to cancel applicable debts through the courts. Specialists contact applicants by telephone to review personal circumstances. They then explain the available legal options and guide each person through the next stages.
How does the application work in three stages?+
The journey starts with a personal analysis by debt specialists who outline possible solutions. Lawyers then manage the legal procedure and the collection of required documents. The final stage involves requesting removal from credit records after exoneration is granted.