Updated September 28, 2026 · BorrowCue Editorial Team
Fiesta Credito MX vs Solcredito MX
What sets them apart
| Compare |  Fiesta Credito MX |  Solcredito MX |
|---|---|---|
| APR | 0% to 3.752%Lower | 9.5% to 3,696% |
| Loan amount | MX$1,000 to MX$150,000Higher | up to MX$100,000 |
| Term | 1 to 36 months | 3 to 48 monthsHigher |
| Funding time | Deposited directly in your bank account in under 24 hours | Within 24 hours |
| Representative example | Personal loan of 10,000 MXN at a 12% annual rate over 6 months: monthly payment 1,732.98 MXN, total repayment 10,397.88 MXN, total CAT 12.001% | 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%) |
| Eligibility | Ages 18 to 80, resident of Mexico, CURP, national bank account, email address and mobile number | 18-80 years old, resident in Mexico, hold an account at a national bank, email and mobile phone |
| Loan types | Personal, Payday, Secured | Personal, Car, Secured, Debt consolidation, BNPL |
| Credit check | Soft prequal | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Arrangement fee (0 MXN), Lender type (Broker), Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Fiesta Credito MX scores higher overall: 8.9 vs 8.7.
- APR is lower at Fiesta Credito MX: 0% to 3.752% vs 9.5% to 3,696%.
- Loan amount is higher at Fiesta Credito MX: MX$1,000 to MX$150,000 vs up to MX$100,000.
- Term is higher at Solcredito MX: 3 to 48 months vs 1 to 36 months.
- Support channels: only Fiesta Credito MX offers Phone.
- Loan types: only Fiesta Credito MX offers Payday.
- Loan types: only Solcredito MX offers Car, Debt consolidation, BNPL.
Our verdict on each
Fiesta Credito MX
Fiesta Credito MX suits Mexican adults with a national bank account who want a small personal, payday or secured loan priced without an origination fee. Its 0% to 3.752% sits below the 12% most brands charge, though the 1 to 36 cap keeps large balances costly to clear.
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 | Fiesta Credito MX | Solcredito MX |
|---|---|---|
| Cost | 9.7HigherFees are 0 MXN with a percentage fee of 0%, and borrowing is priced at 0% to 3.752%. | 8.9 |
| Offer | 8.5 | 8.59.5% 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 | 8.3 | 8.5Higher |
Where they rank in our lists
| Ranking | Fiesta Credito MX | Solcredito MX |
|---|---|---|
| Personal loans | 36 of 1932 | 61 of 1932 |
| Loans for bad credit | 23 of 275 | 38 of 275 |
| Secured loans | 5 of 472 | 10 of 472 |
| Home improvement loans | 15 of 562 | 28 of 562 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Fiesta Credito MX
0 to 588.96
0 to 588.96
Solcredito MX
1,531.86 to 1,098,800
1,531.86 to 1,098,800
Fiesta Credito MX comes out 1,531.86 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Every fact side by side
| Fact | Fiesta Credito MX | Solcredito MX |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OÜ | Fiizy OU |
| Headquarters | Estonia | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Email, Phone, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Fiesta Credito MX | Solcredito MX | Median |
|---|---|---|---|
| APR | 0% to 3.752%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 | 1 to 36 monthsbelow the median | 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
Fiesta Credito MX
Pros
- The origination fee is 0 MXN and the percentage fee is 0%, so the cost of setting up a loan is nothing.
- APR runs 0% to 3.752%, below the 12% across the site, which keeps the headline cost of a loan competitive.
- The credit check is a soft prequal search, so checking your rate does not carry the same weight as a hard search.
Cons
- Fiesta Credito MX is a broker, so a lender you never name is the one holding the loan and setting the final terms.
- The term runs 1 to 36, far shorter than the 60 typical of secured lending, so a large balance is expensive to clear.
- The credit needed is poor, and the bad credit market here runs a 19.98% APR against the 0% to 3.752% quoted here.
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
Fiesta Credito MX
Who it suits
- Adults living in Mexico with a CURP and a national bank account who need a personal or payday loan.
- Borrowers with poor credit who want a soft prequal check rather than a hard one before they apply.
- People funding home improvement work, the single stated use case on the home improvement list.
Who should look elsewhere
- Anyone wanting a long fixed term: the 1 to 36 window ends well short of the 60 seen across personal loan brands.
- Borrowers who want to know exactly who lends to them, because Fiesta Credito MX works as a broker.
- Readers priced off a flat rate, since Monzo Flex quotes 10% to 23% where Fiesta Credito MX runs its 0% to 3.752% at the bottom of the range.
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 | Fiesta Credito MX | Solcredito MX |
|---|---|---|
| Mexico | Yes | Yes |
Questions about each
Fiesta Credito MX
What does a Fiesta Credito MX loan cost?+
There is no origination charge: the origination fee is 0 MXN and the percentage fee is 0%. Borrowing itself is priced at 0% to 3.752%, and the site-wide figure is 12%. A representative example is published for a personal loan, showing the annual rate, a fixed monthly payment and the total amount repaid.
How much can I borrow and for how long?+
Amounts run MXN 1,000 to MXN 150,000, so the range suits a household bill or a repair rather than a major project. The term is 1 to 36, which is short by the standards of this market. Personal, payday and secured loans are all available, and home improvement is the use case the brand highlights.
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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