Updated September 29, 2026 · BorrowCue Editorial Team
Credigenio vs Credityes
What sets them apart
| Compare |  Credigenio |  Credityes |
|---|---|---|
| APR | 0% to 36% | 0% to 48% |
| Loan amount | MX$1,000 | ₱1,000 to ₱25,000 |
| Term | 3 to 4 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 MXN | 0 PHP |
| Funding time | 15-30 minutes | A few minutes after confirmation |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document |
| Credit check | Hard | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker), Loan types (Personal).
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Key differences
- Credityes scores higher overall: 8.9 vs 8.7.
- Credigenio is available in 1 more country.
- Term is higher at Credityes: 2 to 36 months vs 3 to 4 months.
- Support channels: only Credityes offers Help centre.
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.
Credityes
Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.
Score breakdown
| Area | Credigenio | Credityes |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.3 | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. |
| Trust | 8.3 | 8.3 |
Where they rank in our lists
| Ranking | Credigenio | Credityes |
|---|---|---|
| Personal loans | 11 of 1932 | 8 of 1932 |
Where each is licensed and available
Additional countries for Credigenio: 2. Additional countries for Credityes: 1.
Ranges side by side
| Fact | Credigenio | Credityes |
|---|---|---|
| APR | 0% to 36% | 0% to 48% |
| Term | 3 to 4 months | 2 to 36 months |
A third option
Sofkredit has term at 6 to 240 months, against 3 to 4 months for Credigenio and 2 to 36 months for Credityes.
Sofkredit reviewEvery fact side by side
| Fact | Credigenio | Credityes |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | SIA DOAFF (reg. No. 40203426084) |
| Headquarters | Mexico | Latvia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio | Credityes | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 48%lowest quarter | 8.99 |
| Term | 3 to 4 monthslowest quarter | 2 to 36 monthsbelow the median | 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.
Credityes
Pros
- The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
- Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
- Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
Cons
- The APR reaches 0% to 48%, well above the site median of 12% for personal loans
- Debt consolidation and credit lines are not among its loan types, which are personal
- A phone line is not among its support channels, which run email and help centre
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.
Credityes
Who it suits
- Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
- Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
- People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee
Who should look elsewhere
- Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
- Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
- Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%
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
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Credigenio | Credityes |
|---|---|---|
| Mexico | Yes | No |
| Philippines | No | Yes |
| Spain | Yes | No |
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.
Credityes
What does a Credityes personal loan cost in total?+
Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.
Is Credityes a lender or a broker?+
Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.