Updated October 17, 2026 · BorrowCue Editorial Team
Credigenio vs myKredit
What sets them apart
| Compare |  Credigenio |  myKredit |
|---|---|---|
| Loan amount | MX$1,000 | €600 |
| Term | 3 to 4 months | 30 monthsHigher |
| Credit check | Hard | None |
| Funding time | 15-30 minutes | funds transferred within 10 minutes of approval |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Adults with a valid DNI or NIE |
| Loan types | Personal | Payday |
| APR | 0% to 36% | Not confirmed |
| Arrangement fee | 0 MXN | Not confirmed |
| Representative example | Loan of 1000$ 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 |
| Credit needed | Fair | Not confirmed |
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Key differences
- Credigenio scores higher overall: 8.7 vs 8.1.
- Credigenio is available in 1 more country.
- Term is higher at myKredit: 30 months vs 3 to 4 months.
- Support channels: only Credigenio offers Email.
- Support channels: only myKredit offers Chat.
- Loan types: only Credigenio offers Personal.
- Loan types: only myKredit 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.
myKredit
myKredit in Spain describes online lending and online applications. Spanish residence is one stated application criterion, not a complete list of conditions.
Score breakdown
| Area | Credigenio | myKredit |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.3Higher | 8.1 |
| Trust | 8.3 | Not confirmed |
Positions in our rankings
| Ranking | Credigenio | myKredit |
|---|---|---|
| Personal loans | 11 of 1920 | 2 of 1920 |
Availability and regulation
Available in 1 country for both. Additional countries for Credigenio: 1.
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 4 months for Credigenio and 30 months for myKredit.
Sofkredit reviewSources behind this comparison
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Every fact side by side
| Fact | Credigenio | myKredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Not confirmed |
| Headquarters | Mexico | Not confirmed |
| Support channels | Chat |
Where each stands against the rest
| Fact | Credigenio | myKredit | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.95 |
| Term | 3 to 4 monthslowest quarter | 30 monthsbelow the median | 60 |
Median across 1190 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.
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
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.
myKredit
Who it suits
- Spanish residents reviewing myKredit's online application route and criteria.
Who should look elsewhere
- Applicants relying on residency alone as proof they qualify.
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 | myKredit |
|---|---|---|
| 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.
myKredit
What kinds of credit does myKredit offer?+
myKredit offers short term credit that is arranged online for borrowers in Spain. The range stays focused on small sums for urgent everyday needs rather than long projects. Each request is assessed individually, so the outcome depends on the details the applicant provides. Borrowers who need a longer structure will find a different product better suited to that purpose.
Who is the service designed for?+
The service is designed for adults in Spain who hold a valid identity card or a foreigner identity number and who are comfortable managing matters online. It is less suited to anyone who prefers face to face guidance or a longer arrangement. Anyone considering the service should review the full conditions carefully before deciding.
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