Updated September 28, 2026 · SumCue Editorial Team
Credigenio vs Credityes
Credigenio
Credityes
Higher score in this comparison
What sets them apart
| Compare | CredigenioReviewVisitVisit | CredityesReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | 0% to 48% |
| Loan amount | MX$1,000 | ₱1,000 to ₱25,000 |
| Term | 3 to 4 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 MXN | 0 PHP |
| Funding time | 15-30 minutes | A few minutes after confirmation |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document |
| Credit check | Hard | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker), Loan types (Personal).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Credityes scores higher overall: 8.9 vs 8.8.
- Credigenio is available in 1 more country.
- Term is higher at Credityes: 2 to 36 months vs 3 to 4 months.
- Support channels: only Credityes offers Help centre.
Our verdict on each
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.
Credityes
Credityes suits Philippine residents who want a small personal loan without an upfront fee, and money can reach them A few minutes after confirmation. The catch is the top of the rate range and short maximum term, so check the annual percentage cost on your own offer before you commit.
Score breakdown
| Area | Credigenio | Credityes |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.3APR of 0% to 36%, origination fee of 0 MXN on personal loans. | 8.3APR of 0% to 48% with an origination fee of 0 PHP on personal loans of PHP 1,000 to PHP 25,000. |
| Trust | 8.5 | 8.5 |
How they place
| Ranking | Credigenio | Credityes |
|---|---|---|
| Loans | 14 of 2043 | 12 of 2043 |
| Personal loans | 11 of 1317 | 9 of 1317 |
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 4 months for Credigenio and 2 to 36 months for Credityes.
Sofkredit reviewWhere these facts come from
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio | Credityes |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | SIA DOAFF (reg. No. 40203426084) |
| Headquarters | Mexico | Latvia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio | Credityes | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 48%lowest quarter | 9.99 |
| Term | 3 to 4 monthslowest quarter | 2 to 36 monthsbelow the median | 60 |
Median across 1096 listed providers.
Pros and cons
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
Credityes
Pros
- Origination fee of 0 PHP on personal loans, so there is no charge to set one up
- APR runs from 0% to 48%, so a lower cost is possible depending on the offer you are given
- Loan amounts of PHP 1,000 to PHP 25,000 keep the balance small and repayable
Cons
- The top of the APR range is high, so the cost depends heavily on the rate you are offered
- Terms top out at 2 to 36, which limits how far a larger balance can be stretched
- Phone is not among its support channels (email and help centre), so help is written rather than spoken
Who each suits
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
Credityes
Who it suits
- Philippine residents with a personal bank account, valid ID, email and phone who are planning home improvement work
- Borrowers who want a small fixed amount rather than a revolving credit line
- Adults who need a decision and money movement quickly, since funding is A few minutes after confirmation
Who should look elsewhere
- Borrowers who need a phone line, since support runs on email and help centre only
- Anyone wanting longer terms than 2 to 36 to keep monthly payments low
- Readers comparing euro loans, since these are personal loans in a single market
Current offers
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
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Credigenio | Credityes |
|---|---|---|
| Mexico | Yes | No |
| Philippines | No | Yes |
| Spain | Yes | No |
Questions about each
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.
Credityes
What does it cost to take a personal loan from Credityes?+
The origination fee is 0 PHP on personal loans, so there is no upfront charge to arrange one. What you pay is the interest itself, with an APR running from 0% to 48%. Their worked example shows the total repayable clearly against the amount borrowed, which is the figure to focus on.
How much can I borrow and for how long?+
Loan amounts run PHP 1,000 to PHP 25,000 and terms run 2 to 36, which gives you a fairly wide choice on the repayment window. The smallest loans are suited to a single repair rather than a full renovation. The maximum term is the constraint for anyone hoping to keep monthly payments low.