Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio vs Credigenio ES
Credigenio vs Credigenio ES: the differences
| Compare |  Credigenio |  Credigenio ES |
|---|---|---|
| APR | 0% to 36% | 0% to 317% |
| Loan amount | MX$1,000 | €50 to €5,000 |
| Arrangement fee | 0 MXN | 0 EUR - no application, opening or management fee |
| Funding time | 15-30 minutes | Same day - money can be in your account today |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% |
| Lender type | Broker | Marketplace |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | 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 |
| Loan types | Personal | Personal, PaydayCovers more |
| Credit check | Hard | Not confirmed |
Same on both: Term (3 to 4 months), Free early repayment (Yes), Credit needed (Fair).
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Key differences
- Credigenio is available in 1 more country.
- Support channels: only Credigenio ES offers Help centre.
- Loan types: only Credigenio ES offers Payday.
Our verdict on each
Credigenio
Credigenio suits adults who need a small peso loan quickly and want nothing added for setting it up. Borrowing is MXN 1,000 with an APR of 0% to 36%, so treat it as short-term cash rather than a way to spread a large bill.
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.
Score breakdown
| Area | Credigenio | Credigenio ES |
|---|---|---|
| Cost | 9.5 | 9.5 |
| Offer | 8.3 | 8.4HigherFree early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. |
| Trust | 8.3Higher | 8.1 |
From lowest to highest
| Fact | Credigenio | Credigenio ES |
|---|---|---|
| APR | 0% to 36% | 0% to 317% |
| Term | 3 to 4 months | 3 to 4 months |
How they place
| Ranking | Credigenio | Credigenio ES |
|---|---|---|
| Personal loans | 11 of 1932 | 12 of 1932 |
| Loans for bad credit | 7 of 275 | 8 of 275 |
Where these facts come from
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio | Credigenio ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Adwells Group OÜ (registration number 17379392) |
| Headquarters | Mexico | Estonia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio | Credigenio ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 317%lowest quarter | 8.99 |
| Term | 3 to 4 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Credigenio
Pros
- The origination fee is 0 MXN, so nothing is added for setting the loan up.
- Money arrives in 15-30 minutes once a lender agrees, all within the same sitting.
- An APR of 0% to 36% starts at the cheapest end of the market, below the 10% to 23% band at Monzo Flex.
Cons
- Support runs on email only, so there is no phone or chat line when a payment date is close.
- Terms run 3 to 4, so the balance has to clear quickly and cannot be spread across a longer budget.
- As a broker, Credigenio sets no rate itself, so 0% to 36% is a band to plan against rather than the offer you sign.
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.
Who each suits
Credigenio
Who it suits
- Adults who need a small peso loan today and hold an active mobile number plus a bank account in their own name.
- Borrowers who want no fee for setting up the loan and can clear it early at no charge.
- People with fair credit (fair) who accept a hard credit check in exchange for a short document list.
Who should look elsewhere
- Anyone wanting to spread the cost over years: Monzo Flex runs at 10% to 23% and suits a longer budget than 3 to 4.
- Readers after a larger sum: Cashspace works at PHP 12 to PHP 36, above the MXN 1,000 available here.
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.
Current offers
Credigenio
Current offer
First period offer
0% for new customers: 0% CAT on the first loan with selected lenders
Applies with selected lenders; the site's own example shows a 1000$ loan over 91 days at 0% CAT, total repayable 1000$
Source, checked September 26, 2026
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 | Credigenio ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | Yes | Yes |
Questions about each
Credigenio
What will a loan from Credigenio cost me?+
Interest is quoted as an APR of 0% to 36% and the origination fee is 0 MXN on the personal loan, which is the only type offered. The published representative example shows a small loan repaid in full at no extra cost in pesos, so what you actually pay depends on the offer the broker secures for you.
How much can I borrow?+
The amount stated is MXN 1,000, one figure rather than a range, which keeps the loan small. That suits a repair bill, a medical cost or a gap between wages. Readers who need more should weigh Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% instead.
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.