Updated September 28, 2026 · BorrowCue Editorial Team
Solcredito MX vs Youmoney ES
Solcredito MX vs Youmoney ES: the differences
| Compare |  Solcredito MX |  Youmoney ES |
|---|---|---|
| APR | 9.5% to 3,696% | 0% to 349%Lower |
| Loan amount | up to MX$100,000 | €50 to €1,000 |
| Term | 3 to 48 monthsHigher | 0.23 to 36 months |
| Arrangement fee | 0 MXN | 0 EUR |
| Funding time | Within 24 hours | 15 minutes to 24 hours |
| Representative example | 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%) | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Rate type | Fixed | Variable |
| Eligibility | 18-80 years old, resident in Mexico, hold an account at a national bank, email and mobile phone | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Car, Secured, Debt consolidation, BNPL | Personal, Payday, Secured |
| Credit check | Not confirmed | Hard |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Youmoney ES scores higher overall: 8.9 vs 8.7.
- APR is lower at Youmoney ES: 0% to 349% vs 9.5% to 3,696%.
- Term is higher at Solcredito MX: 3 to 48 months vs 0.23 to 36 months.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Solcredito MX offers Car, Debt consolidation, BNPL.
- Loan types: only Youmoney ES offers Payday.
Our verdict on each
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Solcredito MX | Youmoney ES |
|---|---|---|
| Cost | 8.9 | 9.9Higher |
| Offer | 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. | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.5Higher | 8.3 |
How they place
| Ranking | Solcredito MX | Youmoney ES |
|---|---|---|
| Personal loans | 61 of 1932 | 31 of 1932 |
| Loans for bad credit | 38 of 275 | 18 of 275 |
| Secured loans | 10 of 472 | 4 of 472 |
What each covers
| Loan types | Solcredito MX | Youmoney ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | No |
| BNPL | Yes | No |
Every fact side by side
| Fact | Solcredito MX | Youmoney ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Fiizy OU | Findao Sp. z o.o. |
| Headquarters | Estonia | Poland |
| Founded | 2011 | Not confirmed |
| Support channels | Email, Help centre | Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Solcredito MX | Youmoney ES | Median |
|---|---|---|---|
| APR | 9.5% to 3,696%above the median | 0% to 349%lowest quarter | 8.99 |
| Term | 3 to 48 monthsbelow the median | 0.23 to 36 monthsbelow the median | 60 |
Median across 1005 listed lenders.
Pros and cons
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%.
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
Who each suits
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.
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Solcredito MX | Youmoney ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.
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