Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio ES vs Youmoney
What sets them apart
| Compare |  Credigenio ES |  Youmoney |
|---|---|---|
| APR | 0% to 317%Lower | 25.28% to 72.19% |
| Loan amount | €50 to €5,000 | PLN 100 to PLN 10,000 |
| Term | 3 to 4 months | 24 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | Same day - money can be in your account today | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| 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 | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Loan types | Personal, Payday | Personal, Payday, Debt consolidationCovers more |
| Credit needed | Fair | Poor |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 33.76% |
Same on both: Free early repayment (Yes).
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Key differences
- Credigenio ES scores higher overall: 8.7 vs 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Credigenio ES: 0% to 317% vs 25.28% to 72.19%.
- Term is higher at Youmoney: 24 months vs 3 to 4 months.
- Support channels: only Youmoney offers Chat, Phone.
- Loan types: only Youmoney 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.
Youmoney
Youmoney suits Polish borrowers who need money within hours and who can absorb a steep rate, offering payday, instalment and consolidation loans through a single application. What you pay is the trade-off: 25.28% to 72.19%, an arrangement fee of 33.76% of the amount borrowed, and a term of 24 months.
Score breakdown
| Area | Credigenio ES | Youmoney |
|---|---|---|
| Cost | 9.5Higher | 8.5APR runs 25.28% to 72.19% with a 33.76% commission in the instalment-loan example, so total cost is high. |
| Offer | 8.4Free early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. | 9.2HigherCoverage spans personal, payday and debt consolidation, funding is listed as same day funding, and early repayment carries no charge. |
| Trust | 8.1 | 8.2Higher |
Positions in our rankings
| Ranking | Credigenio ES | Youmoney |
|---|---|---|
| Personal loans | 12 of 1932 | 32 of 1932 |
| Payday and short-term loans | 3 of 246 | 14 of 246 |
| Loans for bad credit | 8 of 275 | 19 of 275 |
What each covers
| Loan types | Credigenio ES | Youmoney |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | No | Yes |
Pick Credigenio ES if, pick Youmoney if
Pick Credigenio ES if cost and apr matter most.
Pick Youmoney if offer, term, and loan types matter most.
What we checked
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Youmoney
- youmoney.pl: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Findao sp. z o.o. |
| Headquarters | Estonia | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 25.28% to 72.19%highest quarter | 8.99 |
| Term | 3 to 4 monthslowest quarter | 24 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 33.76%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.
Youmoney
Pros
- Money can move fast: the stated funding time is minutes with the fastest lenders, usually a few hours, and at the latest by the end of the next business day.
- Early repayment is free, so settling the balance ahead of schedule adds no fee to the bill.
- The offer covers personal, payday and debt consolidation under a single application, which saves shopping lender by lender.
Cons
- The APR runs 25.28% to 72.19%, well above the 10% to 23% band at Monzo Flex, so the cost of access is high.
- The arrangement fee in the instalment-loan representative example is 33.76% of the amount borrowed, charged on top of the interest.
- A hard credit check runs on every application, so a rejected or repeated attempt leaves a full search on your file.
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
Who it suits
- Polish borrowers with an emergency bill or a short gap who need the money within hours rather than days.
- Applicants whose income is not a salary, including self-employed workers, pensioners and anyone on an allowance or alimony.
- Anyone planning to clear a small balance quickly, since early repayment is free and the term is 24 months.
Who should look elsewhere
- Monzo Flex, whose APR of 10% to 23% sits far below 25.28% to 72.19% for anyone who can qualify there.
- Cashspace, which quotes PHP 12 to PHP 36 in a different market, if the rate on paper matters more than the pace.
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
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| 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
What APR will I pay on a Youmoney loan?+
The advertised range is 25.28% to 72.19%, and the instalment-loan representative example sits inside that band at a fixed rate. The figure to watch is the total repayable in the example rather than the headline percentage, because the commission charged alongside the interest adds a large share of the amount borrowed.
What fees are charged on top of the interest?+
The listed charge beyond interest is the arrangement fee. In the instalment-loan representative example the commission is 33.76% of the amount borrowed, which is the largest single addition to the bill and the reason the total repayable overshoots the sum you asked for. Compare total repayable figures across quotes, not the rate alone.