Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Credino ES
Credigenio ES
Higher score in this comparison
Credino ES
Where Credigenio ES and Credino ES differ
| Compare | Credigenio ESReviewVisitVisit | Credino ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 317%Lower | 81% |
| Term | 3 to 4 months | 12 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0 EUR |
| Funding time | Same day - money can be in your account today | First offers selected in about 2 minutes |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE) |
| Lender type | Marketplace | Broker |
| Loan types | Personal, PaydayCovers more | Personal |
| Credit needed | Fair | Poor |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll required | Not confirmed |
Same on both: Loan amount (€50 to €5,000).
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Key differences
- Credigenio ES scores higher overall: 8.7 vs 8.4.
- APR is lower at Credigenio ES: 0% to 317% vs 81%.
- Term is higher at Credino ES: 12 months vs 3 to 4 months.
- Support channels: only Credigenio ES offers Help centre.
- Loan types: only Credigenio ES offers Payday.
Our verdict on each
Credigenio ES
Credigenio ES suits borrowers in Spain who need a small amount quickly and can clear it fast. The offer runs from €50 to €5,000 over 3 to 4 at an APR of 0% to 317%, with 0 EUR - no application, opening or management fee. The rate is the part to read twice before applying.
Credino ES
Credino ES suits borrowers seeking a small personal loan and a fast initial offer process. Its 81% is high, and the representative example shows a substantially higher total repayment than the amount borrowed, so the cost needs careful attention before an application.
Score breakdown
| Area | Credigenio ES | Credino ES |
|---|---|---|
| Cost | 9.5Higher | 8.2The 81% is 81%, although the personal-loan origination fee is 0 EUR. |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 8.6HigherIt offers personal loans with a fixed rate, a 12 term and loan amounts of €50 to €5,000. |
| Trust | 8.1 | 8.5Higher |
Positions in our rankings
| Ranking | Credigenio ES | Credino ES |
|---|---|---|
| Loans | 15 of 2043 | 63 of 2043 |
| Personal loans | 12 of 1317 | 53 of 1317 |
Sources behind this comparison
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Credino ES
- credino.es: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio ES | Credino ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Hyperia s.r.o. |
| Headquarters | Estonia | Slovakia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Credino ES | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 81%highest quarter | 9.99 |
| Loan amount | €50 to €5,000below the median | €50 to €5,000below the median | €40,000 |
| Term | 3 to 4 monthslowest quarter | 12 monthslowest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
Credigenio ES
Pros
- No application, opening or management charge: 0 EUR - no application, opening or management fee.
- Money can arrive the same day you apply: Same day - money can be in your account today.
- Free early repayment, so clearing the balance early costs nothing extra.
Cons
- The APR range of 0% to 317% puts the cost far above a typical personal loan rate of 15.5%.
- Support runs on email and help centre only, with no phone line or live chat.
- Terms of 3 to 4 leave little room to spread a larger bill over a longer period.
Credino ES
Pros
- The personal loan has an origination fee of 0 EUR.
- First offers are selected in about First offers selected in about 2 minutes.
- The rate is fixed, which can make the repayment amount more predictable.
Cons
- The APR is 81%, which is high for a personal loan.
- The representative example shows a total repayment substantially above the amount borrowed.
- The stated term is 12, so repayment is concentrated into a short period.
Who each suits
Credigenio ES
Who it suits
- Borrowers living in Spain with a Spanish bank account and demonstrable income who need cash the same day.
- People who can clear the balance well inside 3 to 4 and want to pay nothing for settling early.
- Anyone who treats a no-fee application as the priority, since 0 EUR - no application, opening or management fee rules out setup charges.
Who should look elsewhere
- Anyone wanting a large sum: €50 to €5,000 is far below from €12,000.
- Borrowers who compare rate first, because the APR of 0% to 317% sits above the 36.5% typical of payday loans.
- People who want to talk to someone on the phone, since support runs on email and help centre only, or who would rather use a lender such as Sofkredit with an APR of 10.74% to 18.06%.
Credino ES
Who it suits
- Borrowers who want a small personal loan and can manage the high cost of borrowing.
- People who value a fixed rate and a quick initial offer-selection process.
- Borrowers who are comfortable applying through a broker rather than dealing directly with a lender.
Who should look elsewhere
- Anyone prioritising a low APR should consider Sofkredit, whose listed APR is 10.74% to 18.06%.
- Borrowers seeking a larger loan should consider Creduma ES, whose listed loan amount starts at from €12,000.
- People wanting a choice of support channels may prefer another provider, since Credino ES offers support by email only.
Current offers
Credigenio ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Credino ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credigenio ES
How much does a loan from Credigenio ES cost?+
There is no application, opening or management charge, since 0 EUR - no application, opening or management fee applies. All of the cost sits in the interest, with the APR running from 0% to 317%. The representative example puts the total repayable figure well above the amount borrowed, so the added cost is the price of the loan.
What is the fastest I can get money from Credigenio ES?+
Funding time is Same day - money can be in your account today, which is the main appeal of the service. The same day speed applies to approved applications, so if you need cash for a same day payment this is one of the few routes to it. You will need your own account at a Spanish bank for the transfer to land.
Credino ES
What APR does Credino ES charge?+
Credino ES lists an APR of 81%. The listed origination fee is 0 EUR, but the fee does not remove the interest cost shown in the representative example. Borrowers should assess the total repayment, not just the absence of an origination fee.
What type of loan does Credino ES offer?+
Credino ES offers a personal loan through a broker model. The stated rate type is fixed, which means the rate is fixed rather than variable. The available borrowing amount is €50 to €5,000.