Updated September 28, 2026 · BorrowCue Editorial Team
KOHO vs Solcredito MX
What sets them apart
| Compare |  KOHO |  Solcredito MX |
|---|---|---|
| APR | 19.9% to 34.9% | 9.5% to 3,696%Lower |
| Loan amount | CA$1,000 to CA$15,000 | up to MX$100,000 |
| Funding time | Funds deposited into your bank account the same business day | Within 24 hours |
| Eligibility | KOHO members residing in Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia; Government ID and bank account information required to verify income | 18-80 years old, resident in Mexico, hold an account at a national bank, email and mobile phone |
| Loan types | Personal, Credit line, BNPL | Personal, Car, Secured, Debt consolidation, BNPL |
| Term | Not confirmed | 3 to 48 months |
| Arrangement fee | Not confirmed | 0 MXN |
| Credit check | Soft prequal | Not confirmed |
| Representative example | Not confirmed | 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%) |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Broker), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Solcredito MX scores higher overall: 8.7 vs 8.6.
- APR is lower at Solcredito MX: 9.5% to 3,696% vs 19.9% to 34.9%.
- Support channels: only KOHO offers Chat, Phone.
- Support channels: only Solcredito MX offers Email.
- Features: only KOHO offers Credit line.
- Loan types: only KOHO offers Credit line.
- Loan types: only Solcredito MX offers Car, Secured, Debt consolidation.
Our verdict on each
KOHO
KOHO is a Canadian broker for members who want a reusable credit line rather than a one-off loan, with prequalification that leaves no hard credit search on file. Its apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 sits well above the 10.5% typical for the wider market.
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 | KOHO | Solcredito MX |
|---|---|---|
| Cost | 8.5 | 8.9Higher |
| Offer | 9.2HigherA soft prequal check, a credit line and Funds deposited into your bank account the same business day. | 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 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
KOHO
3,360.55 to 6,264.61
3,360.55 to 6,264.61
Solcredito MX
1,531.86 to 1,098,800
1,531.86 to 1,098,800
Solcredito MX comes out 1,828.69 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.
How they place
| Ranking | KOHO | Solcredito MX |
|---|---|---|
| Personal loans | 132 of 1932 | 61 of 1932 |
| Home improvement loans | 61 of 562 | 28 of 562 |
| Buy now, pay later | 6 of 88 | 2 of 88 |
What we checked
KOHO
- koho.ca: 12 facts, checked September 26, 2026
Solcredito MX
- solcredito.mx: 18 facts, checked September 26, 2026
Every fact side by side
| Fact | KOHO | Solcredito MX |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | KOHO Financial Inc. | Fiizy OU |
| Headquarters | Canada | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Chat, Phone, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | KOHO | Solcredito MX | Median |
|---|---|---|---|
| APR | 19.9% to 34.9%highest quarter | 9.5% to 3,696%above the median | 8.99 |
| Term | Not confirmed | 3 to 48 monthsbelow the median | 60 |
Median across 1005 listed lenders.
Pros and cons
KOHO
Pros
- Apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 for the credit line
- A soft prequalification, so a credit check does not follow the first enquiry
- Funds deposited into your bank account the same business day
Cons
- Apr reaches 19.9% to 34.9% at the top of the range, above the 20% many rivals sit at
- Membership is limited to residents of Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia
- Support runs on chat, phone and help centre
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
KOHO
Who it suits
- Members in the provinces listed who are funding home improvement work
- Borrowers who expect to draw more than once rather than take a single loan
- People who want to see an offer before committing to a full credit check
Who should look elsewhere
- Anyone outside the listed provinces, who cannot open the account
- Borrowers chasing the lowest rate, since the top of the range is steep against the 20% mark
- Readers who prefer a direct lender, since KOHO sits in the broker minority on the site at 20.6%
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
KOHO
Current offer
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 | KOHO | Solcredito MX |
|---|---|---|
| Canada | Yes | No |
| Mexico | No | Yes |
Questions about each
KOHO
What apr does KOHO charge on its credit line?+
The line of credit runs at an apr of 19.9% to 34.9%. That is well above the 10.5% recorded across credit lines on the site, so it pays to compare before you accept. The rate you are offered depends on your own profile.
How much can I borrow from KOHO?+
Borrowers can take CAD 1,000 to CAD 15,000 on the line of credit. That sits above the €885.74 typical amount in this category, which is useful if the work is more than a quick repair. Drawdowns come out of the limit rather than opening a new agreement.
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.
Other options to compare
Other matchups
- KOHO vs Tamara
- KOHO vs ACLEDA Bank
- KOHO vs Addi
- KOHO vs Cofidis FR
- KOHO vs KiwiCredito
- Solcredito MX vs Deema
- KOHO vs Oney Préstamos ES
- Solcredito MX vs Sofkredit
- Solcredito MX vs Ibancar Prestamos
- Solcredito MX vs Fiesta Credito MX
- Solcredito MX vs Lendela
- Solcredito MX vs Creditio
- KOHO vs Kredivo
- Solcredito MX vs Consumers Credit Union
- Solcredito MX vs Upgrade
- KOHO vs Sezzle
- KOHO vs Moneyveo VN