Updated September 28, 2026 · SumCue Editorial Team
Credigenio vs Mi Prestamo
Credigenio
Mi Prestamo
Higher score in this comparison
Credigenio vs Mi Prestamo: the differences
| Compare | CredigenioReviewVisitVisit | Mi PrestamoReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 23% |
| Loan amount | MX$1,000 | €200 to €3,000 |
| Term | 3 to 4 months | 2 to 12 monthsHigher |
| Arrangement fee | 0 MXN | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) |
| Funding time | 15-30 minutes | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account |
| Lender type | Broker | Direct lender |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Credit needed | Fair | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes), Loan types (Personal).
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Key differences
- Mi Prestamo scores higher overall: 9.1 vs 8.8.
- Credigenio is available in 1 more country.
- APR is lower at Credigenio: 0% to 36% vs 23%.
- Term is higher at Mi Prestamo: 2 to 12 months vs 3 to 4 months.
- Support channels: only Mi Prestamo offers Phone, Chat, 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.
Mi Prestamo
Mi Prestamo is a Spanish direct lender aimed at small, short personal loans repaid quickly, with cash in hand or in your account within hours of approval. The catch is price: the APR of 23% runs high for the market, and the arrangement fee adds charges on top of the interest.
Score breakdown
| Area | Credigenio | Mi Prestamo |
|---|---|---|
| Cost | 9.5Higher | 8.9APR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. |
| Offer | 8.3APR of 0% to 36%, origination fee of 0 MXN on personal loans. | 9.0Higher |
| Trust | 8.5 | 9.4Higher |
Where they rank in our lists
| Ranking | Credigenio | Mi Prestamo |
|---|---|---|
| Loans | 14 of 2043 | 10 of 2043 |
| Personal loans | 11 of 1317 | 7 of 1317 |
Pick Credigenio if, pick Mi Prestamo if
Pick Credigenio if cost and apr matter most.
Pick Mi Prestamo if offer, trust, and term matter most.
Every fact side by side
| Fact | Credigenio | Mi Prestamo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Easy Asset Management Iberia S.L. |
| Headquarters | Mexico | Spain |
| Support channels | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio | Mi Prestamo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 23%highest quarter | 9.99 |
| Term | 3 to 4 monthslowest quarter | 2 to 12 monthslowest quarter | 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
Mi Prestamo
Pros
- Cash is available within hours of approval, paid into your bank account or collected at a Mi Prestamo office.
- Early repayment is free, so finishing ahead of schedule costs nothing extra.
- Eligibility needs no guarantor and no collateral, so nobody else signs and nothing is pledged.
Cons
- The APR of 23% sits above the 14.43% median for personal loans.
- The arrangement fee stacks a solvency assessment charge, a loan management charge and a financial risk charge on top of the interest.
- Terms run 2 to 12, a much shorter window than the 36 personal loan median.
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
Mi Prestamo
Who it suits
- Borrowers in Spain with a Spanish ID, proof of income and a registered Spanish address who need a small sum quickly.
- Anyone able to clear the balance early, since early repayment carries no extra charge.
- Readers comfortable with a hard credit check and a short fixed repayment schedule.
Who should look elsewhere
- Readers who want a cheaper rate, since Sofkredit charges 10.74% to 18.06%.
- Borrowers after a bigger sum, because Creduma ES starts at from €12,000 and Mi Prestamo caps at €200 to €3,000.
- Shoppers in the peso market, since Cashspace quotes PHP 12 to PHP 36 in a different currency and is not a like-for-like swap.
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 | Mi Prestamo |
|---|---|---|
| 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.
Mi Prestamo
What does a Mi Prestamo loan cost me?+
The headline rate is an APR of 23%, and the arrangement fee sits on top of that interest. The calculator splits the fee into a solvency assessment fee, a loan management fee and a financial risk fee, so a small loan carries a meaningful share of charges. Early repayment is free, which softens the deal for anyone who finishes ahead of schedule.
How much can I borrow, and over what period?+
The loan runs from €200 to €3,000, with a term of 2 to 12. Because the rate is fixed, the monthly figure holds steady for the whole period and does not change if market rates move. The modest ceiling and short window shape this as a loan for a specific expense rather than a long running commitment.