Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio vs Fidea
What sets them apart
| Compare |  Credigenio | Fidea ReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | 0% to 212% |
| Loan amount | MX$1,000 | €500 to €60,000 |
| Term | 3 to 4 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 MXN | 0 EUR |
| Funding time | 15-30 minutes | A few hours after approval |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% |
| 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 Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email |
| Loan types | Personal | Personal, Payday, Debt consolidationCovers more |
| Credit needed | Fair | Poor |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Broker).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Fidea scores higher overall: 8.9 vs 8.7.
- Credigenio is available in 1 more country.
- Term is higher at Fidea: 3 to 60 months vs 3 to 4 months.
- Support channels: only Fidea offers Phone, Help centre.
- Loan types: only Fidea offers Payday, 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.
Fidea
Fidea suits Spanish residents who want a fee-free personal, payday or debt consolidation loan funded within hours rather than the lowest possible rate. With an origination fee of 0 EUR and APR running 0% to 212%, it is a speed play for borrowers who can handle a hard credit check.
Score breakdown
| Area | Credigenio | Fidea |
|---|---|---|
| Cost | 9.5 | 9.7HigherOrigination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. |
| Offer | 8.3 | 8.9Higher |
| Trust | 8.3 | 8.3 |
How they place
| Ranking | Credigenio | Fidea |
|---|---|---|
| Personal loans | 11 of 1932 | 18 of 1932 |
| Loans for bad credit | 7 of 275 | 11 of 275 |
Side by side, item by item
| Loan types | Credigenio | Fidea |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
Every fact side by side
| Fact | Credigenio | Fidea |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Finceptiv OU (reg. 14563072) |
| Headquarters | Mexico | Estonia |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio | Fidea | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 212%lowest quarter | 8.99 |
| Term | 3 to 4 monthslowest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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.
Fidea
Pros
- No fee comes off the top: the origination fee is 0 EUR and the percentage fee is 0%.
- Funds move A few hours after approval, which is where Fidea outruns slower lenders.
- One application covers personal, payday and debt consolidation and amounts of €500 to €60,000 over terms of 3 to 60.
Cons
- APR runs 0% to 212%, and the representative example ends with a total repayable far above the amount borrowed on a modest sum.
- Applications use a hard credit check (hard), so a refusal is on file and cannot be quietly undone.
- Fidea is a broker, broker, which means the lender, the final rate and the contract terms are set elsewhere after you apply.
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.
Fidea
Who it suits
- Residents of Spain holding a DNI or NIE with a Spanish bank account, a mobile number and an email.
- Borrowers with a thin credit file who can live with a hard credit check in exchange for A few hours after approval.
- Anyone planning a home project who wants the fee side of the deal to read 0 EUR.
Who should look elsewhere
- Rate hunters with a strong file: Monzo Flex shows 10% to 23%, far below the top of Fidea's range.
- Borrowers who want one named lender and stated terms up front, since Fidea is a broker and Monzo Flex lists its own range of 10% to 23%.
- Anyone comparing beyond a single market: Cashspace lists PHP 12 to PHP 36, quoted in a different currency for a different set of borrowers.
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 | Fidea |
|---|---|---|
| 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.
Fidea
Does Fidea charge an arrangement or origination fee?+
No. The origination fee is 0 EUR and the percentage fee is 0%, so nothing is deducted before the loan is paid out. What you pay is interest, and the number to check is the representative example, which on a modest sum shows a total repayable well above the amount borrowed.
What APR will I actually pay?+
Fidea quotes APR of 0% to 212%, a wide spread that reflects the partner lender you are matched with rather than a single Fidea price. For context, the median across the personal loans compared here is 12.25%, so treat the lower end as the realistic target and the upper end as what a thin file can be charged.