Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio vs Que Prestamo
Where Credigenio and Que Prestamo differ
| Compare |  Credigenio |  Que Prestamo |
|---|---|---|
| APR | 0% to 36%Lower | 7% to 35% |
| Loan amount | MX$1,000 | €5,000 |
| Term | 3 to 4 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 MXN | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | 15-30 minutes | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Credit check | Hard | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 3.5% |
| Credit needed | Fair | Not confirmed |
Same on both: Lender type (Broker), Loan types (Personal).
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Key differences
- Credigenio scores higher overall: 8.7 vs 8.6.
- Credigenio is available in 1 more country.
- APR is lower at Credigenio: 0% to 36% vs 7% to 35%.
- Term is higher at Que Prestamo: 1 to 72 months vs 3 to 4 months.
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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan of €5,000 decided and paid the same day, without a guarantor. Costs are the trade-off: borrowing runs at 7% to 35% and a processing fee is taken before the money lands, so the total repayable is higher than the headline rate suggests.
Score breakdown
| Area | Credigenio | Que Prestamo |
|---|---|---|
| Cost | 9.5Higher | 8.87% to 35% spans a wide band above the 12% median, and the arrangement fee is deducted from the amount paid out. |
| Offer | 8.3 | 8.6Higher |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Credigenio | Que Prestamo |
|---|---|---|
| APR | 0% to 36% | 7% to 35% |
| Term | 3 to 4 months | 1 to 72 months |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Credigenio and 7% to 35% for Que Prestamo.
FINANZCHECK.de reviewHow they place
| Ranking | Credigenio | Que Prestamo |
|---|---|---|
| Personal loans | 11 of 1932 | 6 of 1932 |
Every fact side by side
| Fact | Credigenio | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Leads for Finance S.L.U. |
| Headquarters | Mexico | Spain |
| Support channels |
Where each stands against the rest
| Fact | Credigenio | Que Prestamo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 7% to 35%below the median | 8.99 |
| Term | 3 to 4 monthslowest quarter | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 3.5%highest quarter | 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.
Que Prestamo
Pros
- Approval comes quickly: Approval in 5 minutes, money in your account in 15 minutes, with same day funding listed among its features
- No guarantor needed, and a current account in your own name plus a mobile number is enough to apply
- 1 to 72 of repayment term lets you match the loan length to your budget
Cons
- 7% to 35% is a wide band, and the top of it costs far more than the personal loan median of 12%
- The arrangement fee is deducted from the amount paid out, so you receive less than the amount you borrow
- It is a broker rather than the lender itself, broker, so the contract sits with a financial entity it introduces you to
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.
Que Prestamo
Who it suits
- Residents of Spain applying for a personal loan in euros, with a current account and active mobile number
- Borrowers who value speed of approval over the lowest rate
- People who have no guarantor available and need an unsecured personal loan
Who should look elsewhere
- Anyone wanting a fixed, low rate: 7% to 35% runs to the top of the band, far above 12%
- Borrowers who need the full amount in the account, since the arrangement fee is taken out before payment
- Anyone wanting phone or chat support, as email is the only channel listed
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 | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What rate will I pay on a Que Prestamo personal loan?+
Rates run at 7% to 35%, depending on the offer a lender returns. The top of that band sits well above 12%, the personal loan median across the site, so the outcome depends on your profile and the lender matched to you. The representative example shows €5,000 borrowed producing a smaller amount received and a higher total repayable. Ask for the rate and the total repayable before accepting.
How much is deducted before the money reaches my account?+
The arrangement fee is a percentage of the loan amount, taken from the amount disbursed rather than charged later. That is why the representative example shows €5,000 requested producing a smaller amount received, with the balance owed across the term. Budget for the shortfall, because the transfer that lands in your account is the net figure, not the headline amount.