Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia vs Solcredito MX
Creditilia vs Solcredito MX: the differences
| Compare |  Creditilia |  Solcredito MX |
|---|---|---|
| APR | 0% to 36%Lower | 9.5% to 3,696% |
| Loan amount | MX$1,000 to MX$150,000Higher | up to MX$100,000 |
| Term | 2 to 3 months | 3 to 48 monthsHigher |
| Funding time | Answer in under 24 hours; some offers in minutes | Within 24 hours |
| Representative example | Personal loan of MXN 1,000 repaid over 67 days: costs $0 pesos, total repayable MXN 1,000, CAT 0% | Borrow $10,000 at a 12% annual rate over 6 months: monthly payment $1,732.98, total repayment $10,397.88 (total CAT 12.001%) |
| Lender type | Marketplace | Broker |
| Eligibility | Users must be 18 or older; Mexican market (terms governed by the laws in force in the United Mexican States) | 18-80 years old, resident in Mexico, hold an account at a national bank, email and mobile phone |
| Loan types | Personal, Car, Business, Debt consolidation, Secured | Personal, Car, Secured, Debt consolidation, BNPL |
| Credit check | Hard | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Arrangement fee (0 MXN), Credit needed (Poor), Use cases (Home improvement).
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Key differences
- APR is lower at Creditilia: 0% to 36% vs 9.5% to 3,696%.
- Loan amount is higher at Creditilia: MX$1,000 to MX$150,000 vs up to MX$100,000.
- Term is higher at Solcredito MX: 3 to 48 months vs 2 to 3 months.
- Loan types: only Creditilia offers Business.
- Loan types: only Solcredito MX offers BNPL.
Our verdict on each
Creditilia
Creditilia suits borrowers in a single market who want a small personal loan settled quickly and can live with a hard credit check. Its origination fee is 0 MXN and its rate runs 0% to 36%, with a representative example quoted at no extra cost. Short terms mean the balance clears fast rather than lingering.
Solcredito MX
Solcredito MX suits Mexican residents with poor credit who need a personal loan quickly and want the repayment fixed. Funding lands Within 24 hours, the origination fee is 0 MXN, and the wide rate band is the main thing to check before you sign.
Score breakdown
| Area | Creditilia | Solcredito MX |
|---|---|---|
| Cost | 9.7HigherOrigination fee of 0 MXN and 0%, rates run 0% to 36%, against a personal loan example that carries no cost at all. | 8.9 |
| Offer | 8.3 | 8.5Higher9.5% to 3,696% is far wider than the alternatives, which is what holds the offer score back, though the fixed fixed rate keeps payments predictable. |
| Trust | 8.1 | 8.5Higher |
Pick Creditilia if, pick Solcredito MX if
Pick Creditilia if cost, apr, and loan amount matter most.
Pick Solcredito MX if trust and term matter most.
Ranges side by side
| Fact | Creditilia | Solcredito MX |
|---|---|---|
| APR | 0% to 36% | 9.5% to 3,696% |
| Loan amount | MX$1,000 to MX$150,000 | up to MX$100,000 |
| Term | 2 to 3 months | 3 to 48 months |
Where these facts come from
Creditilia
- creditilia.mx: 16 facts, checked September 26, 2026
Solcredito MX
- solcredito.mx: 18 facts, checked September 26, 2026
How they place
| Ranking | Creditilia | Solcredito MX |
|---|---|---|
| Personal loans | 50 of 1932 | 61 of 1932 |
| Loans for bad credit | 30 of 275 | 38 of 275 |
| Debt consolidation loans | 19 of 425 | 23 of 425 |
| Secured loans | 8 of 472 | 10 of 472 |
| Car loans | 12 of 431 | 17 of 431 |
| Home improvement loans | 22 of 562 | 28 of 562 |
Every fact side by side
| Fact | Creditilia | Solcredito MX |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media LLC | Fiizy OU |
| Headquarters | United States | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Not confirmed | Email, Help centre |
Where each stands against the rest
| Fact | Creditilia | Solcredito MX | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 9.5% to 3,696%above the median | 8.99 |
| Loan amount | MX$1,000 to MX$150,000above the median | up to MX$100,000above the median | MX$80,000 |
| Term | 2 to 3 monthslowest quarter | 3 to 48 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditilia
Pros
- The origination fee is 0 MXN and 0%, so nothing is added on top of the quoted rate at the point of arrangement.
- Rates run 0% to 36%, and the representative example shown costs nothing extra, which keeps the total repayable close to the amount borrowed.
- Answer in under 24 hours; some offers in minutes covers the answer, so a decision does not depend on waiting a full working week.
Cons
- A hard credit check on hard means an application leaves a mark that a declined application cannot erase.
- Terms are 2 to 3, which is short enough that the balance is cleared quickly but leaves little room to stretch a larger amount.
- The representative example is drawn from the smallest end of MXN 1,000 to MXN 150,000 over 2 to 3, so the headline cost picture describes the smallest loans on the book rather than a typical one.
Solcredito MX
Pros
- Origination fee of 0 MXN, so the cost is the interest and the amount you repay rather than a fee sitting on top.
- Poor credit is enough: poor is the stated requirement, and 70.1% shows most brands in the bad credit ranking ask the same.
- Quick payout on an accepted application, with funding Within 24 hours and same-day funding listed as a feature, same day funding.
Cons
- The rate band is the weak point: 9.5% to 3,696% stretches far wider than the 10% to 23% at Monzo Flex or the PHP 12 to PHP 36 at Cashspace.
- Support runs on email and help centre only, while phone is the most common channel in the personal loan ranking, 85.3%.
- It is a broker, broker, so the rate and the contract come from whichever lender takes the application, and direct lenders lead the personal loan ranking at 76.3%.
Who each suits
Creditilia
Who it suits
- Adults in a single market whose credit history is poor and who need a small personal loan answered inside Answer in under 24 hours; some offers in minutes.
- Borrowers who want a marketplace rate set by several lenders and a clean, fee-free arrangement on the amount.
- People with a home improvement in mind, which is the stated use for the loan.
Who should look elsewhere
- Anyone who cannot afford a hard credit check on hard, where a soft prequalification would be gentler on the file.
- Borrowers who want a long repayment window, since terms are 2 to 3 and the balance is gone in a short period.
- Applicants who need MXN 1,000 to MXN 150,000 at the top of the range, where the cap sits well below the largest personal loans on the site.
Solcredito MX
Who it suits
- Adults living in Mexico with a bank account, an email address and a mobile number, applying on poor credit.
- Borrowers who need the money Within 24 hours and can live with a monthly amount set on a fixed basis.
- People consolidating debts, buying a car or fixing up a home, since personal, car and secured and home improvement cover those uses.
Who should look elsewhere
- Borrowers who want a tight rate band: Monzo Flex prices at 10% to 23% and Cashspace at PHP 12 to PHP 36, both narrower than 9.5% to 3,696%.
- People who need to talk something through, since support is limited to email and help centre rather than a phone line.
- Borrowers wanting a bigger sum than up to MXN 100,000 or a longer term than 3 to 48, who would do better checking direct lenders than a broker.
Current offers
Solcredito MX
Current offer
First period offer
First loan from 0% interest: 0% interest on the first loan
Offer depends on the lender network; the exact CAT and any charges are disclosed before signing the loan contract
Source, checked September 26, 2026
Bonus
Extra $12,000 from 0% for special events: 12,000 MXN additional credit at 0%
Special event promotion on personal loans, terms per lender offer
Source, checked September 26, 2026
Country by country
| Country | Creditilia | Solcredito MX |
|---|---|---|
| Mexico | Yes | Yes |
Questions about each
Creditilia
What does a Creditilia personal loan cost to set up?+
The origination fee is 0 MXN and the percentage fee is 0%, so nothing is added on top of the quoted rate when the loan is arranged. Rates run 0% to 36%. The representative example shown quotes a small personal loan with no cost attached, where the total repayable matches the amount borrowed.
Is Creditilia a lender or a marketplace?+
It is a marketplace, which means it puts borrowers in touch with lenders rather than lending the money itself. marketplace is the fact to hold on to, because the rate you are offered, the amount available and the term all come from the lender behind the particular offer.
Solcredito MX
What rate will I pay on a Solcredito MX personal loan?+
Rates depend on the partner lender your application reaches, and the published band is 9.5% to 3,696%, which is wide. For context, the middle of the market on this site is 12%. Ask for the rate in writing once an offer lands, and compare the total you repay against the amount you borrow.
Does Solcredito MX charge an origination fee?+
The stated origination fee is 0 MXN, so the headline cost here is the interest itself. That compares well with lenders that add a fee on top of the rate. Read the partner lender's terms too, since a broker arrangement carries terms set by the funder.
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