Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio ES vs Que Prestamo
Where Credigenio ES and Que Prestamo differ
| Compare |  Credigenio ES |  Que Prestamo |
|---|---|---|
| APR | 0% to 317%Lower | 7% to 35% |
| Loan amount | €50 to €5,000 | €5,000 |
| Term | 3 to 4 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | Same day - money can be in your account today | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Lender type | Marketplace | Broker |
| 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 | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Loan types | Personal, PaydayCovers more | Personal |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 3.5% |
| Credit needed | Fair | Not confirmed |
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Key differences
- Credigenio ES scores higher overall: 8.7 vs 8.6.
- APR is lower at Credigenio ES: 0% to 317% vs 7% to 35%.
- Term is higher at Que Prestamo: 1 to 72 months vs 3 to 4 months.
- Support channels: only Credigenio ES offers Help centre.
- Loan types: only Credigenio ES offers Payday.
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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan of €5,000 decided and paid the same day, without a guarantor. Costs are the trade-off: borrowing runs at 7% to 35% and a processing fee is taken before the money lands, so the total repayable is higher than the headline rate suggests.
Score breakdown
| Area | Credigenio ES | Que Prestamo |
|---|---|---|
| Cost | 9.5Higher | 8.87% to 35% spans a wide band above the 12% median, and the arrangement fee is deducted from the amount paid out. |
| Offer | 8.4Free early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. | 8.6Higher |
| Trust | 8.1 | 8.3Higher |
Ranges side by side
| Fact | Credigenio ES | Que Prestamo |
|---|---|---|
| APR | 0% to 317% | 7% to 35% |
| Term | 3 to 4 months | 1 to 72 months |
Which one suits you
Pick Credigenio ES if cost, apr, and loan types matter most.
Pick Que Prestamo if term matter most.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 317% for Credigenio ES and 7% to 35% for Que Prestamo.
FINANZCHECK.de reviewHow they place
| Ranking | Credigenio ES | Que Prestamo |
|---|---|---|
| Personal loans | 12 of 1932 | 6 of 1932 |
Every fact side by side
| Fact | Credigenio ES | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Leads for Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Que Prestamo | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 7% to 35%below the median | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | €5,000lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 3.5%highest quarter | 0.25% |
Median across 1005 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.
Que Prestamo
Pros
- Approval comes quickly: Approval in 5 minutes, money in your account in 15 minutes, with same day funding listed among its features
- No guarantor needed, and a current account in your own name plus a mobile number is enough to apply
- 1 to 72 of repayment term lets you match the loan length to your budget
Cons
- 7% to 35% is a wide band, and the top of it costs far more than the personal loan median of 12%
- The arrangement fee is deducted from the amount paid out, so you receive less than the amount you borrow
- It is a broker rather than the lender itself, broker, so the contract sits with a financial entity it introduces you to
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.
Que Prestamo
Who it suits
- Residents of Spain applying for a personal loan in euros, with a current account and active mobile number
- Borrowers who value speed of approval over the lowest rate
- People who have no guarantor available and need an unsecured personal loan
Who should look elsewhere
- Anyone wanting a fixed, low rate: 7% to 35% runs to the top of the band, far above 12%
- Borrowers who need the full amount in the account, since the arrangement fee is taken out before payment
- Anyone wanting phone or chat support, as email is the only channel listed
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 | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What rate will I pay on a Que Prestamo personal loan?+
Rates run at 7% to 35%, depending on the offer a lender returns. The top of that band sits well above 12%, the personal loan median across the site, so the outcome depends on your profile and the lender matched to you. The representative example shows €5,000 borrowed producing a smaller amount received and a higher total repayable. Ask for the rate and the total repayable before accepting.
How much is deducted before the money reaches my account?+
The arrangement fee is a percentage of the loan amount, taken from the amount disbursed rather than charged later. That is why the representative example shows €5,000 requested producing a smaller amount received, with the balance owed across the term. Budget for the shortfall, because the transfer that lands in your account is the net figure, not the headline amount.