Updated October 17, 2026 · SumCue Editorial Team
Credigenio vs Deudafix
Credigenio
Higher score in this comparison
Deudafix
Where Credigenio and Deudafix differ
| Compare | CredigenioReviewVisitVisit | DeudafixReviewVisitVisit |
|---|---|---|
| Loan amount | MX$1,000 | €5,000 to €5,000,000 |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Citizens and residents of Spain, individuals and sole traders, with unsecured debts of 5,000 to 5,000,000 EUR owed to two or more creditors and under 1,000 EUR left after paying bills; assessment is free |
| Loan types | Personal | Debt consolidation |
| Credit needed | Fair | Poor |
| APR | 0% to 36% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Arrangement fee | 0 MXN | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | 15-30 minutes | Not confirmed |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | Not confirmed |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Credigenio scores higher overall: 8.8 vs 8.5.
- Credigenio is available in 1 more country.
- Support channels: only Deudafix offers Phone.
- Loan types: only Credigenio offers Personal.
- Loan types: only Deudafix offers Debt consolidation.
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.
Deudafix
Deudafix offers legal guidance for cancelling unpaid personal debts through the Second Chance legislation in Spain. It suits individuals and sole traders who want detailed assessment, help gathering documents and steady support from qualified lawyers and dedicated case managers throughout the process.
Score breakdown
| Area | Credigenio | Deudafix |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.3APR of 0% to 36%, origination fee of 0 MXN on personal loans. | 9.2Higher |
| Trust | 8.5 | Not confirmed |
Where they rank in our lists
| Ranking | Credigenio | Deudafix |
|---|---|---|
| Loans | 14 of 2043 | 5 of 2043 |
Licences and countries
Available in 1 country for both. Additional countries for Credigenio: 1.
Where these facts come from
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
Deudafix
- deudafix.es: 7 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio | Deudafix |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ | DEUDAFIX REPARADORA LEGAL GROUP, S.L. |
| Headquarters | Mexico | Spain |
| Support channels | Phone, EmailCovers more |
Where each stands against the rest
| Fact | Credigenio | Deudafix | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 9.99 |
| Term | 3 to 4 monthslowest quarter | Not confirmed | 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
Deudafix
Pros
- Focuses on Second Chance debt cancellation for individuals and sole traders
- Provides detailed assessment and complete advisory package for each case
- Employs qualified lawyers and dedicated case managers for ongoing support
Cons
- Serves only citizens and residents in Spain with eligible personal debts
- Uses a formal legal route that ends with a court decision
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
Deudafix
Who it suits
- Individuals in Spain seeking cancellation of unpaid personal debts
- Sole traders with personal debts seeking legal guidance
Who should look elsewhere
- Businesses seeking reorganisation of complex commercial activity
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
Country by country
| Country | Credigenio | Deudafix |
|---|---|---|
| Mexico | Yes | No |
| Spain | Yes | Yes |
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.
Deudafix
What service does Deudafix provide?+
Deudafix provides legal advice and representation for cancelling debts under the Second Chance legislation. Qualified lawyers handle each case and prepare a detailed assessment with a complete advisory package. The team also helps gather documents so the process stays clear and fluid.
Who can apply through Deudafix?+
The process is available to citizens and residents in Spain who carry personal debts they cannot pay. It is designed for individuals and sole traders seeking exoneration and a fresh start. A specialist call analyses the personal situation and explains the available options.