Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio vs Sofkredit
Credigenio vs Sofkredit: the differences
| Compare |  Credigenio |  Sofkredit |
|---|---|---|
| APR | 0% to 36%Lower | 10.74% to 18.06% |
| Loan amount | MX$1,000 | €12,000 to €300,000 |
| Term | 3 to 4 months | 6 to 240 monthsHigher |
| Arrangement fee | 0 MXN | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Hard | Soft prequal |
| Funding time | 15-30 minutes | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal | Secured, Debt consolidation, Business |
| Credit needed | Fair | Poor |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
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Key differences
- Credigenio scores higher overall: 8.7 vs 8.6.
- Sofkredit is available in 1 more country.
- APR is lower at Credigenio: 0% to 36% vs 10.74% to 18.06%.
- Term is higher at Sofkredit: 6 to 240 months vs 3 to 4 months.
- Support channels: only Sofkredit offers Phone, Help centre.
- Loan types: only Credigenio offers Personal.
- Loan types: only Sofkredit offers Secured, Debt consolidation, Business.
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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Credigenio | Sofkredit |
|---|---|---|
| Cost | 9.5Higher | 8.5 |
| Offer | 8.3 | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 8.3 | 8.3 |
Feature by feature
| Loan types | Credigenio | Sofkredit |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Business | No | Yes |
Which one suits you
Pick Credigenio if cost and apr matter most.
Pick Sofkredit if offer and term matter most.
From lowest to highest
| Fact | Credigenio | Sofkredit |
|---|---|---|
| APR | 0% to 36% | 10.74% to 18.06% |
| Term | 3 to 4 months | 6 to 240 months |
How they place
| Ranking | Credigenio | Sofkredit |
|---|---|---|
| Loans for bad credit | 7 of 275 | 2 of 275 |
Every fact side by side
| Fact | Credigenio | Sofkredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Kova Finance, S.L. |
| Headquarters | Mexico | Spain |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Credigenio | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Credigenio | Sofkredit | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 10.74% to 18.06%above the median | 8.99 |
| Term | 3 to 4 monthslowest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%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.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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.
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
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 | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| 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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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