Updated October 17, 2026 · SumCue Editorial Team
Credigenio vs myKredit
Credigenio
Higher score in this comparison
myKredit
What sets them apart
| Compare | CredigenioReviewVisitVisit | myKreditReviewVisitVisit |
|---|---|---|
| Loan amount | MX$1,000 | €600 |
| Term | 3 to 4 months | 30 monthsHigher |
| Credit check | Hard | None |
| Funding time | 15-30 minutes | funds transferred within 10 minutes of approval |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Adults with a valid DNI or NIE |
| Loan types | Personal | Payday |
| APR | 0% to 36% | Not confirmed |
| Arrangement fee | 0 MXN | Not confirmed |
| Representative example | Loan of 1000$ 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 |
| Credit needed | Fair | Not confirmed |
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
- Credigenio scores higher overall: 8.8 vs 8.1.
- Credigenio is available in 1 more country.
- Term is higher at myKredit: 30 months vs 3 to 4 months.
- Support channels: only Credigenio offers Email.
- Support channels: only myKredit offers Chat.
- Loan types: only Credigenio offers Personal.
- Loan types: only myKredit offers Payday.
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.
myKredit
A captured Spanish privacy-policy module identifies Trive Credit Spain, S.L. as the owner of the mykredit.es website and says the company operates under the trade name MyKredit.
Score breakdown
| Area | Credigenio | myKredit |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.3HigherAPR of 0% to 36%, origination fee of 0 MXN on personal loans. | 8.1 |
| Trust | 8.5 | Not confirmed |
How they place
| Ranking | Credigenio | myKredit |
|---|---|---|
| Loans | 14 of 2043 | 3 of 2043 |
What we checked
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Every fact side by side
| Fact | Credigenio | myKredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Not confirmed |
| Headquarters | Mexico | Not confirmed |
| Support channels | Chat |
Where each stands against the rest
| Fact | Credigenio | myKredit | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 9.99 |
| Term | 3 to 4 monthslowest quarter | 30 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
myKredit
Pros
- The captured policy identifies a website owner and trade name.
Cons
- The statement does not establish lending terms or regulatory status.
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
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
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 | myKredit |
|---|---|---|
| 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.
Is my money protected by a deposit scheme?+
This is a loan rather than a savings product, so there is no deposit to protect. Credigenio works as a broker, which means the agreement sits with a partner lender and its protections. No regulator, licence or protection scheme is named for the brand, so the partner's identity and the contract terms are the parts worth checking.
What credit do I need to be accepted?+
The credit check is a hard one, and a fair credit file is enough. Most small loans carry no income proof and no collateral requirement, so the check does much of the work. Borrowers with a poor history are the ones most likely to be declined.