Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio vs MoneyCat
Where Credigenio and MoneyCat differ
| Compare |  Credigenio |  MoneyCat |
|---|---|---|
| APR | 0% to 36%Lower | 145% |
| Loan amount | MX$1,000 | ₱500 to ₱20,000 |
| Term | 3 to 4 months | 65 to 180 monthsHigher |
| Arrangement fee | 0 MXN | First-time borrower 0 PHP processing fee; grace period fee 77 PHP |
| Funding time | 15-30 minutes | 5 minutes after approval, up to 6 PM on the following banking day |
| Lender type | Broker | Direct lender |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | 22-60 years old, Filipino citizens residing in the Philippines, employed individuals and selected professionals |
| Loan types | Personal | Personal, PaydayCovers more |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes).
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Key differences
- MoneyCat scores higher overall: 9.0 vs 8.7.
- Credigenio is available in 1 more country.
- APR is lower at Credigenio: 0% to 36% vs 145%.
- Term is higher at MoneyCat: 65 to 180 months vs 3 to 4 months.
- Support channels: only MoneyCat offers Phone, Help centre.
- Loan types: only MoneyCat 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.
MoneyCat
MoneyCat lends directly in the Philippines to employed adults and selected professionals, and it suits anyone who needs a small personal or payday loan turned around fast. Borrowing costs more here than on most of the market, with an APR of 145% against a site median of 12%.
Score breakdown
| Area | Credigenio | MoneyCat |
|---|---|---|
| Cost | 9.5Higher | 8.6 |
| Offer | 8.3 | 9.0Higher |
| Trust | 8.3 | 9.2Higher |
How they place
| Ranking | Credigenio | MoneyCat |
|---|---|---|
| Personal loans | 11 of 1920 | 731 of 1920 |
Where each is licensed and available
| Country | Credigenio | MoneyCat |
|---|---|---|
| Philippines | Not confirmed | Securities and Exchange Commission (Philippines) CS201953073 |
Additional countries for Credigenio: 2. Additional countries for MoneyCat: 1.
Ranges side by side
| Fact | Credigenio | MoneyCat |
|---|---|---|
| Term | 3 to 4 months | 65 to 180 months |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Credigenio and 145% for MoneyCat.
FINANZCHECK.de reviewWhere these facts come from
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
MoneyCat
- moneycat.ph: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio | MoneyCat |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | MoneyCat Financing Inc. |
| Headquarters | Mexico | Philippines |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio | MoneyCat | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 145%highest quarter | 8.99 |
| Term | 3 to 4 monthslowest quarter | 65 to 180 monthshighest quarter | 60 |
Median across 1152 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.
MoneyCat
Pros
- As a direct lender, the money comes from MoneyCat Financing Inc. itself rather than a third party.
- Same-day funding: same day funding, with money released within minutes of approval or by the following banking day.
- Early repayment is free, and a first-time borrower pays no processing fee.
Cons
- The 145% rate leaves MoneyCat ranked 330 of 350 brands on APR, so cost is the price of the speed.
- hard credit checks run on every application, so a decline still shows on your credit record.
- A grace period fee applies, so a covered payment costs extra even though processing is free for a first-time borrower.
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.
MoneyCat
Who it suits
- Employed adults and selected professionals who are Filipino citizens residing in the Philippines.
- Borrowers who need a small personal or payday loan and can clear a hard credit check.
- Anyone who can settle early, since 65 to 180 repayments need not all run their full course.
Who should look elsewhere
- Cost-first borrowers: Monzo Flex lends at 10% to 23%, well below the 145% here.
- Anyone after interest-free terms: Cashspace ES lists 0%.
- Borrowers needing a larger sum or longer term than PHP 500 to PHP 20,000 and 65 to 180 allow.
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
MoneyCat
Current offer
First period offer
First loan for FREE: 0% interest, 0 PHP processing fee
First loan for first-time borrowers; 0% interest and no processing fee, advertised on the loan calculator
Source, checked September 26, 2026
Country by country
| Country | Credigenio | MoneyCat |
|---|---|---|
| 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.
MoneyCat
What rate does MoneyCat charge?+
The stated APR is 145%, which is high next to a site median of 12%. The rate applies to the personal and payday loans alike, so cost is the main thing to weigh before applying. Borrow for as short a time as possible, since interest builds on the balance outstanding.
How much can I borrow, and over what term?+
Loan amounts run PHP 500 to PHP 20,000, and repayment terms run 65 to 180. That range suits a shortfall or an emergency rather than a major purchase, a car or a home. A longer term spreads the payments but keeps the interest running, so the total cost depends as much on the term you pick as on the rate.
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