Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio ES vs Youmoney ES
What sets them apart
| Compare |  Credigenio ES |  Youmoney ES |
|---|---|---|
| APR | 0% to 317% | 0% to 349% |
| Loan amount | €50 to €5,000Higher | €50 to €1,000 |
| Term | 3 to 4 months | 0.23 to 36 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0 EUR |
| Funding time | Same day - money can be in your account today | 15 minutes to 24 hours |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| 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 | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday | Personal, Payday, SecuredCovers more |
| Credit needed | Fair | Poor |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Youmoney ES scores higher overall: 8.9 vs 8.7.
- Loan amount is higher at Credigenio ES: €50 to €5,000 vs €50 to €1,000.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 3 to 4 months.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Youmoney ES offers Secured.
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Credigenio ES | Youmoney ES |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.4Free early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. | 8.5HigherBroker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.1 | 8.3Higher |
What each covers
| Loan types | Credigenio ES | Youmoney ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Secured | No | Yes |
How they place
| Ranking | Credigenio ES | Youmoney ES |
|---|---|---|
| Personal loans | 12 of 1932 | 31 of 1932 |
| Payday and short-term loans | 3 of 246 | 13 of 246 |
| Loans for bad credit | 8 of 275 | 18 of 275 |
Availability and regulation
Available in 1 country for both.
Every fact side by side
| Fact | Credigenio ES | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Findao Sp. z o.o. |
| Headquarters | Estonia | Poland |
| Support channels | Email, Help centre | Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Youmoney ES | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 0.23 to 36 monthsbelow the median | 60 |
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.
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
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.
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Youmoney ES |
|---|---|---|
| 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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.
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