Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Mi Prestamo
Credigenio ES
Mi Prestamo
Higher score in this comparison
What sets them apart
| Compare | Credigenio ESReviewVisitVisit | Mi PrestamoReviewVisitVisit |
|---|---|---|
| APR | 0% to 317%Lower | 23% |
| Loan amount | €50 to €5,000Higher | €200 to €3,000 |
| Term | 3 to 4 months | 2 to 12 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) |
| Funding time | Same day - money can be in your account today | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account |
| Lender type | Marketplace | Direct lender |
| 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 | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address |
| Loan types | Personal, PaydayCovers more | Personal |
| Credit check | Not confirmed | Hard |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Credit needed | Fair | Not confirmed |
Same on both: Free early repayment (Yes).
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Key differences
- Mi Prestamo scores higher overall: 9.1 vs 8.7.
- APR is lower at Credigenio ES: 0% to 317% vs 23%.
- Loan amount is higher at Credigenio ES: €50 to €5,000 vs €200 to €3,000.
- Term is higher at Mi Prestamo: 2 to 12 months vs 3 to 4 months.
- Support channels: only Mi Prestamo offers Phone, Chat.
- 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.
Mi Prestamo
Mi Prestamo is a Spanish direct lender aimed at small, short personal loans repaid quickly, with cash in hand or in your account within hours of approval. The catch is price: the APR of 23% runs high for the market, and the arrangement fee adds charges on top of the interest.
Score breakdown
| Area | Credigenio ES | Mi Prestamo |
|---|---|---|
| Cost | 9.5Higher | 8.9APR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 9.0Higher |
| Trust | 8.1 | 9.4Higher |
Ranges side by side
| Fact | Credigenio ES | Mi Prestamo |
|---|---|---|
| Loan amount | €50 to €5,000 | €200 to €3,000 |
| Term | 3 to 4 months | 2 to 12 months |
How they place
| Ranking | Credigenio ES | Mi Prestamo |
|---|---|---|
| Loans | 15 of 2043 | 10 of 2043 |
| Personal loans | 12 of 1317 | 7 of 1317 |
Every fact side by side
| Fact | Credigenio ES | Mi Prestamo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Easy Asset Management Iberia S.L. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Mi Prestamo | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 23%highest quarter | 9.99 |
| Loan amount | €50 to €5,000below the median | €200 to €3,000lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 2 to 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.
Mi Prestamo
Pros
- Cash is available within hours of approval, paid into your bank account or collected at a Mi Prestamo office.
- Early repayment is free, so finishing ahead of schedule costs nothing extra.
- Eligibility needs no guarantor and no collateral, so nobody else signs and nothing is pledged.
Cons
- The APR of 23% sits above the 14.43% median for personal loans.
- The arrangement fee stacks a solvency assessment charge, a loan management charge and a financial risk charge on top of the interest.
- Terms run 2 to 12, a much shorter window than the 36 personal loan median.
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%.
Mi Prestamo
Who it suits
- Borrowers in Spain with a Spanish ID, proof of income and a registered Spanish address who need a small sum quickly.
- Anyone able to clear the balance early, since early repayment carries no extra charge.
- Readers comfortable with a hard credit check and a short fixed repayment schedule.
Who should look elsewhere
- Readers who want a cheaper rate, since Sofkredit charges 10.74% to 18.06%.
- Borrowers after a bigger sum, because Creduma ES starts at from €12,000 and Mi Prestamo caps at €200 to €3,000.
- Shoppers in the peso market, since Cashspace quotes PHP 12 to PHP 36 in a different currency and is not a like-for-like swap.
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 | Mi Prestamo |
|---|---|---|
| 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.
Mi Prestamo
What does a Mi Prestamo loan cost me?+
The headline rate is an APR of 23%, and the arrangement fee sits on top of that interest. The calculator splits the fee into a solvency assessment fee, a loan management fee and a financial risk fee, so a small loan carries a meaningful share of charges. Early repayment is free, which softens the deal for anyone who finishes ahead of schedule.
How much can I borrow, and over what period?+
The loan runs from €200 to €3,000, with a term of 2 to 12. Because the rate is fixed, the monthly figure holds steady for the whole period and does not change if market rates move. The modest ceiling and short window shape this as a loan for a specific expense rather than a long running commitment.