Updated October 17, 2026 · SumCue Editorial Team
Credigenio ES vs Deudafix
Credigenio ES
Higher score in this comparison
Deudafix
Credigenio ES vs Deudafix: the differences
| Compare | Credigenio ESReviewVisitVisit | DeudafixReviewVisitVisit |
|---|---|---|
| Loan amount | €50 to €5,000 | €5,000 to €5,000,000Higher |
| 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 | Citizens and residents of Spain, individuals and sole traders, with unsecured debts of 5,000 to 5,000,000 EUR owed to two or more creditors and under 1,000 EUR left after paying bills; assessment is free |
| Loan types | Personal, Payday | Debt consolidation |
| Credit needed | Fair | Poor |
| APR | 0% to 317% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Arrangement fee | 0 EUR - no application, opening or management fee | Not confirmed |
| Funding time | Same day - money can be in your account today | Not confirmed |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Not confirmed |
| Lender type | Marketplace | Not confirmed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Credigenio ES scores higher overall: 8.7 vs 8.5.
- Loan amount is higher at Deudafix: €5,000 to €5,000,000 vs €50 to €5,000.
- Support channels: only Credigenio ES offers Help centre.
- Support channels: only Deudafix offers Phone.
- Loan types: only Credigenio ES offers Personal, Payday.
- Loan types: only Deudafix offers Debt consolidation.
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.
Deudafix
Deudafix offers legal guidance for cancelling unpaid personal debts through the Second Chance legislation in Spain. It suits individuals and sole traders who want detailed assessment, help gathering documents and steady support from qualified lawyers and dedicated case managers throughout the process.
Score breakdown
| Area | Credigenio ES | Deudafix |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 9.2Higher |
| Trust | 8.1 | Not confirmed |
Positions in our rankings
| Ranking | Credigenio ES | Deudafix |
|---|---|---|
| Loans | 15 of 2043 | 5 of 2043 |
Ranges side by side
| Fact | Credigenio ES | Deudafix |
|---|---|---|
| Loan amount | €50 to €5,000 | €5,000 to €5,000,000 |
Every fact side by side
| Fact | Credigenio ES | Deudafix |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ (registration number 17379392) | DEUDAFIX REPARADORA LEGAL GROUP, S.L. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Phone, Email |
Where each stands against the rest
| Fact | Credigenio ES | Deudafix | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €50 to €5,000below the median | €5,000 to €5,000,000highest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | Not confirmed | 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.
Deudafix
Pros
- Focuses on Second Chance debt cancellation for individuals and sole traders
- Provides detailed assessment and complete advisory package for each case
- Employs qualified lawyers and dedicated case managers for ongoing support
Cons
- Serves only citizens and residents in Spain with eligible personal debts
- Uses a formal legal route that ends with a court decision
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%.
Deudafix
Who it suits
- Individuals in Spain seeking cancellation of unpaid personal debts
- Sole traders with personal debts seeking legal guidance
Who should look elsewhere
- Businesses seeking reorganisation of complex commercial activity
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 | Deudafix |
|---|---|---|
| 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.
Deudafix
What service does Deudafix provide?+
Deudafix provides legal advice and representation for cancelling debts under the Second Chance legislation. Qualified lawyers handle each case and prepare a detailed assessment with a complete advisory package. The team also helps gather documents so the process stays clear and fluid.
Who can apply through Deudafix?+
The process is available to citizens and residents in Spain who carry personal debts they cannot pay. It is designed for individuals and sole traders seeking exoneration and a fresh start. A specialist call analyses the personal situation and explains the available options.