Updated September 28, 2026 · SumCue Editorial Team
Andacredito vs Credigenio
Andacredito
Higher score in this comparison
Credigenio
Andacredito vs Credigenio: the differences
| Compare | AndacreditoReviewVisitVisit | CredigenioReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €5,000 | MX$1,000 |
| Term | 2 to 3 months | 3 to 4 monthsHigher |
| Arrangement fee | 0 EUR | 0 MXN |
| Funding time | 10 minutes | 15-30 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal |
| Credit needed | Poor | Fair |
| Credit check | Not confirmed | Hard |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: APR (0% to 36%), Lender type (Broker), Free early repayment (Yes).
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Key differences
- Credigenio is available in 1 more country.
- Term is higher at Credigenio: 3 to 4 months vs 2 to 3 months.
- Loan types: only Andacredito offers Payday, Car, Business.
Our verdict on each
Andacredito
Andacredito suits borrowers in Spain who need a small sum quickly and can manage a short repayment window. The broker charges an arrangement fee of 0 EUR and quotes APR of 0% to 36%, with a representative example at 0% to 36% and free early repayment.
Credigenio
Credigenio suits borrowers in Mexico who need a small personal loan in minutes and can clear it early without cost. Its origination fee is 0 MXN and its term runs 3 to 4, so it is worth checking for a short bill rather than a long one.
Score breakdown
| Area | Andacredito | Credigenio |
|---|---|---|
| Cost | 9.5Arrangement fee of 0 EUR and 0%, APR of 0% to 36%, free early repayment. | 9.5 |
| Offer | 8.4Higher | 8.3APR of 0% to 36%, origination fee of 0 MXN on personal loans. |
| Trust | 8.5 | 8.5 |
Licences and countries
Available in 1 country for both. Additional countries for Credigenio: 1.
Pick Andacredito if, pick Credigenio if
Pick Andacredito if loan types matter most.
Pick Credigenio if term matter most.
A third option
myKredit has term at 30 months, against 2 to 3 months for Andacredito and 3 to 4 months for Credigenio.
myKredit reviewWhere these facts come from
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
How they place
| Ranking | Andacredito | Credigenio |
|---|---|---|
| Loans | 18 of 2043 | 14 of 2043 |
| Personal loans | 14 of 1317 | 11 of 1317 |
Every fact side by side
| Fact | Andacredito | Credigenio |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Adwells Group OÜ |
| Headquarters | Estonia | Mexico |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Credigenio | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 9.99 |
| Term | 2 to 3 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Andacredito
Pros
- Arrangement fees of 0 EUR and 0% keep the cost of taking out a loan low
- Free early repayment means a clear exit without a charge for settling early
- The representative example shows a small loan with no cost added to what is borrowed
Cons
- Terms run only 2 to 3, far shorter than the 36 seen across the market
- The top of the rate range, 0% to 36%, sits close to the 27.8% typical of payday style lending
- Support runs on email only, so help is written rather than spoken
Credigenio
Pros
- Origination fee of 0 MXN on a personal loan, so the headline APR is the main cost
- APR of 0% to 36% against a site median of 15.5%
- Funds arrive in 15-30 minutes and the same-day funding feature is listed
Cons
- The term is 3 to 4, far shorter than the site median of 36 months, so a missed instalment lands fast
- Amounts start at MXN 1,000, which suits small sums rather than a large consolidation
- Support runs on email only, so a payment problem means writing rather than phoning
Who each suits
Andacredito
Who it suits
- Adults with a bank account in Spain who meet the 18 or older, bank account in Spain, ability to repay rules
- Borrowers with poor credit who want a quick small sum
- People who can clear a short 2 to 3 term from one payment cycle
Who should look elsewhere
- Anyone needing a long repayment period, since the ceiling is 2 to 3 against the from €12,000 floor at Creduma ES
- Borrowers who want a long term loan at a fixed style rate, where Sofkredit quotes 10.74% to 18.06%
- People who prefer to speak to support, as Andacredito offers email only
Credigenio
Who it suits
- Adults in Mexico with valid official identification, an active mobile number and a bank account in their own name
- Borrowers whose file carries a hard credit check but fair credit is enough
- Anyone who values speed: 15-30 minutes to receive the money
Who should look elsewhere
- People after a long repayment period, since the term is 3 to 4 against a site median of 36 months
- Borrowers with a poor credit file, as fair credit is needed and hard applies
- Anyone wanting phone support, since help runs on email only
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
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
Country by country
| Country | Andacredito | Credigenio |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | Yes |
Questions about each
Andacredito
What does Andacredito charge to set up a loan?+
The arrangement fee is 0 EUR and the percentage fee is 0%, so there is no separate charge for arranging the loan. The rate quoted is 0% to 36%, and it is a variable rate, so the figure can change. Early repayment carries no charge either.
Is early repayment free on Andacredito loans?+
Yes, early repayment is free. That matters most on the short 2 to 3 terms the brand offers, because a borrower who clears the balance sooner pays nothing extra for doing so. Many lenders on the site charge for settling early, so this is a point in favour.
Credigenio
What does it cost to take out a Credigenio loan?+
The origination fee is 0 MXN, and early repayment is free. The APR runs 0% to 36%, so the rate you are offered sits anywhere across that band. The representative example shows a loan with no costs added and a total repayable equal to the amount borrowed, which is one outcome rather than a promise for every application.
How quickly will the money arrive?+
Funding is listed at 15-30 minutes, and same-day funding appears among the published features. On a term of 3 to 4, the money is meant to land while you still have the day to act on it. The amount on offer runs to MXN 1,000.