Updated October 12, 2026 · BorrowCue Editorial Team
Credigenio vs Deudafix
Facts checked September 26, 2026.
What sets them apart
| Compare |  Credigenio |  Deudafix |
|---|---|---|
| Loan amount | MX$1,000 | €5,000 to €5,000,000 |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Citizens and residents of Spain, individuals and sole traders, with unsecured debts of 5,000 to 5,000,000 EUR owed to two or more creditors and under 1,000 EUR left after paying bills; assessment is free |
| Loan types | Personal | Debt consolidation |
| Credit needed | Fair | Poor |
| APR | 0% to 36% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Arrangement fee | 0 MXN | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | 15-30 minutes | Not confirmed |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | Not confirmed |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Credigenio is available in 1 more country.
- Support channels: only Deudafix offers Phone.
- Loan types: only Credigenio offers Personal.
- Loan types: only Deudafix offers Debt consolidation.
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.
Deudafix
Deudafix provides lawyer led assistance to cancel debts through the Ley de Segunda Oportunidad, with detailed assessment and help gathering documents. It suits people facing persistent collection calls who want a clear three stage path supported by a team of more than 300 staff.
Score breakdown
| Area | Credigenio | Deudafix |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.3 | Not confirmed |
| Trust | 8.3 | Not confirmed |
Where they rank in our lists
| Ranking | Credigenio | Deudafix |
|---|---|---|
| Loans for bad credit | 7 of 276 | 1 of 276 |
Sources behind this comparison
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
Deudafix
- deudafix.es: 7 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio | Deudafix |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ | DEUDAFIX REPARADORA LEGAL GROUP, S.L. |
| Headquarters | Mexico | Spain |
| Support channels | Phone, EmailCovers more |
Where each stands against the rest
| Fact | Credigenio | Deudafix | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Term | 3 to 4 monthslowest quarter | Not confirmed | 60 |
Median across 1007 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.
Deudafix
Pros
- Qualified lawyers manage each case with detailed individual assessment
- Clear three stage path from personal analysis to registry removal request
- Help collecting required documents keeps the application moving smoothly
Cons
- Telephone led intake without direct online filing option
- Focus stays on legal debt cancellation without wider lending options
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.
Deudafix
Who it suits
- People needing help to stop persistent collection calls
- People wanting lawyer support with documents and calls
Who should look elsewhere
- Those seeking standard personal lending
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
Country by country
| Country | Credigenio | Deudafix |
|---|---|---|
| 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.
Deudafix
Who can apply through Deudafix?+
Applications are open to citizens and residents in Spain who need to cancel applicable debts through the courts. Specialists contact applicants by telephone to review personal circumstances. They then explain the available legal options and guide each person through the next stages.
How does the application work in three stages?+
The journey starts with a personal analysis by debt specialists who outline possible solutions. Lawyers then manage the legal procedure and the collection of required documents. The final stage involves requesting removal from credit records after exoneration is granted.