Updated September 28, 2026 · SumCue Editorial Team
Credigenio vs Prestamiau
Credigenio
Higher score in this comparison
Prestamiau
What sets them apart
| Compare | CredigenioReviewVisitVisit | PrestamiauReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | MX$0 to MX$36 |
| Loan amount | MX$1,000 | MX$100 to MX$20,000Higher |
| Funding time | 15-30 minutes | Loan obtained in 5 minutes; full process under 30 minutes |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Broker | Marketplace |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Credit needed | Fair | Poor |
| Credit check | Hard | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Term (3 to 4 months), Arrangement fee (0 MXN).
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Key differences
- Credigenio scores higher overall: 8.8 vs 8.7.
- Loan amount is higher at Prestamiau: MX$100 to MX$20,000 vs MX$1,000.
- Loan types: only Prestamiau 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.
Prestamiau
Prestamiau suits Mexican borrowers with a poorer credit record who need a small sum in a hurry rather than a large balance. The rate runs MXN 0 to MXN 36, the arrangement fee is 0 MXN, and Loan obtained in 5 minutes; full process under 30 minutes gets money moving.
Score breakdown
| Area | Credigenio | Prestamiau |
|---|---|---|
| Cost | 9.5 | 9.7HigherAn 0 MXN arrangement fee and 0% on MXN 0 to MXN 36 keeps borrowing cheap. |
| Offer | 8.3HigherAPR of 0% to 36%, origination fee of 0 MXN on personal loans. | 8.2 |
| Trust | 8.5Higher | 8.1 |
Choosing between them
Pick Credigenio if trust matter most.
Pick Prestamiau if loan amount and loan types matter most.
Availability and regulation
Available in 2 countries for both.
Sources behind this comparison
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
Prestamiau
- prestamiau.mx: 16 facts, checked September 26, 2026
How they place
| Ranking | Credigenio | Prestamiau |
|---|---|---|
| Loans | 14 of 2043 | 7 of 2043 |
| Personal loans | 11 of 1317 | 4 of 1317 |
Every fact side by side
| Fact | Credigenio | Prestamiau |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ | Fininity OÜ |
| Headquarters | Mexico | Estonia |
| Support channels |
Where each stands against the rest
| Fact | Credigenio | Prestamiau | Median |
|---|---|---|---|
| Loan amount | MX$1,000lowest quarter | MX$100 to MX$20,000below the median | MX$47,500 |
| Term | 3 to 4 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
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
Prestamiau
Pros
- Arrangement fee of 0 MXN and 0% on personal loans, so setting up adds nothing.
- A rate of MXN 0 to MXN 36 places Prestamiau at position 1 of 338 on cost.
- Loan obtained in 5 minutes; full process under 30 minutes, so an urgent bill can be covered the same day.
Cons
- Support runs on email only, so a payment problem is sorted in writing.
- Terms of 3 to 4 leave a short window, so the balance must clear quickly.
- Borrowing stops at MXN 100 to MXN 20,000, far below larger facilities such as Creduma ES from from €12,000.
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
Prestamiau
Who it suits
- Adults in Mexico with their own bank account, a valid INE or IFE, a stable income, a phone and an email.
- Borrowers with poor credit, who make up 42.3% of the personal loan table.
- Anyone consolidating balances or funding a home project, given personal and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers after a large balance: Creduma ES starts at from €12,000, past the MXN 100 to MXN 20,000 ceiling here.
- Readers who want a narrow rate band: Sofkredit's 10.74% to 18.06% is tighter than MXN 0 to MXN 36.
- Anyone who prefers a rate with a clear floor: Cashspace at PHP 12 to PHP 36 starts well above the MXN 0 to MXN 36 floor here.
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
Prestamiau
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)
New users only; representative example 1,000 MXN over 95 days, cost 0 MXN, total to repay 1,000 MXN, CAT 0%
Source, checked September 26, 2026
Country by country
| Country | Credigenio | Prestamiau |
|---|---|---|
| Mexico | Yes | Yes |
| 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.
Prestamiau
What does a Prestamiau loan cost?+
The quoted rate is MXN 0 to MXN 36 and the arrangement fee on a personal loan is 0 MXN. The representative example shows the cost as 0 MXN and the total to repay equal to the amount borrowed, so nothing is added to the smallest case. Because MXN 0 to MXN 36 spans a wide band, the rate on a real file is set from inside that range.
Is the lender regulated and is my money protected?+
Prestamiau is a marketplace, so the contract that matters is the one with the lender it introduces you to, and that lender sets the rate and takes the repayments. Any protection arrangement sits with that lender, not with the marketplace, so check the scheme named in the offer. As a wider backdrop, retail loss runs at a median 70.15% across the lenders covered here.