Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio vs SOS Credit
Where Credigenio and SOS Credit differ
| Compare |  Credigenio | SOS Credit ReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 1,187% to 185,297.8% |
| Loan amount | MX$1,000 | CZK 1,000 to CZK 30,000 |
| Term | 3 to 4 months | 7 to 28 monthsHigher |
| Arrangement fee | 0 MXN | 7,126 CZK total cost on an 8,000 CZK, 91-day first-loan-free loan, plus 1 CZK sent for identification |
| Funding time | 15-30 minutes | Within 15 minutes |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | First loan free (100% discount): loan of 8,000 CZK over 91 days, fixed annual interest 0%, RPSN (APR) 1187%, total payable 15,126 CZK |
| 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 | 18+, citizen of the Czech Republic or another EU member state with permanent residence in the Czech Republic, with regular monthly income and a Czech bank account |
| Loan types | Personal | Payday, PersonalCovers more |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 89.1% |
| Credit needed | Fair | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Credigenio is available in 1 more country.
- APR is lower at Credigenio: 0% to 36% vs 1,187% to 185,297.8%.
- Term is higher at SOS Credit: 7 to 28 months vs 3 to 4 months.
- Support channels: only SOS Credit offers Phone, Help centre.
- Loan types: only SOS Credit 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.
SOS Credit
SOS Credit suits Czech borrowers with regular income who need a small, fast loan and can handle steep fixed costs. It lends directly through Orange finance s.r.o. and funds within Within 15 minutes, but APR of 1,187% to 185,297.8% makes the price the thing to weigh.
Score breakdown
| Area | Credigenio | SOS Credit |
|---|---|---|
| Cost | 9.5Higher | 8.0APR runs 1,187% to 185,297.8% on a fixed rate, well above the 12% site median. |
| Offer | 8.3 | 8.8Higher |
| Trust | 8.3 | 9.2Higher |
Licences and countries
| Country | Credigenio | SOS Credit |
|---|---|---|
| Czechia | Not confirmed |
Additional countries for Credigenio: 2. Additional countries for SOS Credit: 1.
Pick Credigenio if, pick SOS Credit if
Pick Credigenio if cost and apr matter most.
Pick SOS Credit if offer, trust, term, and loan types matter most.
Where they rank in our lists
| Ranking | Credigenio | SOS Credit |
|---|---|---|
| Personal loans | 11 of 1920 | 134 of 1920 |
Sources behind this comparison
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
SOS Credit
- soscredit.cz: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio | SOS Credit |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Orange finance s.r.o. (IC 04488237) |
| Headquarters | Mexico | Czechia |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio | SOS Credit | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 1,187% to 185,297.8%highest quarter | 8.99 |
| Term | 3 to 4 monthslowest quarter | 7 to 28 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 89.1%highest quarter | 0.25% |
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.
SOS Credit
Pros
- Funds arrive within Within 15 minutes, one of the faster turns around in this group
- Fixed rate loans, so payments do not shift with the market
- Lends directly as direct lender rather than routing you through a broker
Cons
- APR of 1,187% to 185,297.8% is a heavy cost for a short payday or personal loan
- A hard credit check means an application can leave a mark on your file
- Lending tops out at CZK 1,000 to CZK 30,000, so larger costs need another provider
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.
SOS Credit
Who it suits
- Adults with regular monthly income and a Czech bank account
- People who value a quick decision over a low price
- Borrowers who can clear a hard credit check and repay within 7 to 28
Who should look elsewhere
- Anyone wanting cheaper borrowing, since APR reaches 1,187% to 185,297.8%
- People needing more than CZK 1,000 to CZK 30,000 or a longer term than 7 to 28
- Borrowers near the Czech personal loan median of 12% who can shop elsewhere
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
SOS Credit
Current offer
Discount code
First loan free - 100% discount: 100% discount on the first loan; Admitad lists first loan up to 10,000 CZK free
New applicants; 1 CZK is sent to the client for identification when the contract is signed online
Source, checked September 26, 2026
Discount code
Automatic discount for repeat borrowers: Discount applicable to loans up to 15,000 CZK
Regular clients receive a discount automatically based on repeated requests
checked September 26, 2026
Country by country
| Country | Credigenio | SOS Credit |
|---|---|---|
| Czechia | No | Yes |
| Mexico | Yes | No |
| 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.
SOS Credit
How fast does SOS Credit pay out?+
Money is sent within Within 15 minutes once a loan is approved, and same-day funding is a listed feature. Applicants are adults with regular monthly income and a Czech bank account, so the account and income details matter as much as the clock.
What does a SOS Credit loan cost?+
The annual percentage rate runs 1,187% to 185,297.8%. On a first-loan-free promotion the example shows fixed annual interest at nil, yet the total payable is still well above the amount borrowed, which is why the headline discount needs reading alongside the RPSN.