Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Credityes ES
Credigenio ES
Credityes ES
Higher score in this comparison
Credigenio ES vs Credityes ES: the differences
| Compare | Credigenio ESReviewVisitVisit | Credityes ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 317% | 0% to 36% |
| Loan amount | €50 to €5,000 | €100 to €5,000 |
| Term | 3 to 4 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) |
| Funding time | Same day - money can be in your account today | Money in a few minutes after a positive decision |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% |
| Lender type | Marketplace | Broker |
| 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 | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Loan types (Personal, Payday).
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
- Credityes ES scores higher overall: 8.9 vs 8.7.
- Term is higher at Credityes ES: 2 to 36 months vs 3 to 4 months.
- Support channels: only Credigenio ES offers Help centre.
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.
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
Score breakdown
| Area | Credigenio ES | Credityes ES |
|---|---|---|
| Cost | 9.5 | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. |
| Offer | 8.5HigherLoans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 8.4 |
| Trust | 8.1 | 8.5Higher |
Positions in our rankings
| Ranking | Credigenio ES | Credityes ES |
|---|---|---|
| Loans | 15 of 2043 | 13 of 2043 |
| Personal loans | 12 of 1317 | 10 of 1317 |
| Payday and short-term loans | 3 of 233 | 2 of 233 |
Ranges side by side
| Fact | Credigenio ES | Credityes ES |
|---|---|---|
| APR | 0% to 317% | 0% to 36% |
| Loan amount | €50 to €5,000 | €100 to €5,000 |
| Term | 3 to 4 months | 2 to 36 months |
Also worth a look
Sofkredit has term at 6 to 240 months, against 3 to 4 months for Credigenio ES and 2 to 36 months for Credityes ES.
Sofkredit reviewSources behind this comparison
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio ES | Credityes ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | SIA DoAff |
| Headquarters | Estonia | Latvia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Credityes ES | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 0% to 36%lowest quarter | 9.99 |
| Loan amount | €50 to €5,000below the median | €100 to €5,000below the median | €40,000 |
| Term | 3 to 4 monthslowest quarter | 2 to 36 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
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.
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
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%.
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Credityes 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.
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.