Updated October 17, 2026 · SumCue Editorial Team
Credigenio ES vs myKredit
Credigenio ES
Higher score in this comparison
myKredit
What sets them apart
| Compare | Credigenio ESReviewVisitVisit | myKreditReviewVisitVisit |
|---|---|---|
| Loan amount | €50 to €5,000Higher | €600 |
| Term | 3 to 4 months | 30 monthsHigher |
| Funding time | Same day - money can be in your account today | funds transferred within 10 minutes of approval |
| 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 | Adults with a valid DNI or NIE |
| Loan types | Personal, PaydayCovers more | Payday |
| APR | 0% to 317% | Not confirmed |
| Arrangement fee | 0 EUR - no application, opening or management fee | Not confirmed |
| Credit check | Not confirmed | None |
| 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 |
| Credit needed | Fair | Not confirmed |
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
- Credigenio ES scores higher overall: 8.7 vs 8.1.
- Loan amount is higher at Credigenio ES: €50 to €5,000 vs €600.
- Term is higher at myKredit: 30 months vs 3 to 4 months.
- Support channels: only Credigenio ES offers Email, Help centre.
- Support channels: only myKredit offers Chat.
- Loan types: only Credigenio ES offers Personal.
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.
myKredit
A captured Spanish privacy-policy module identifies Trive Credit Spain, S.L. as the owner of the mykredit.es website and says the company operates under the trade name MyKredit.
Score breakdown
| Area | Credigenio ES | myKredit |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.5HigherLoans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 8.1 |
| Trust | 8.1 | Not confirmed |
Choosing between them
Pick Credigenio ES if loan amount and loan types matter most.
Pick myKredit if term matter most.
Licences and countries
Available in 1 country for both.
Where they rank in our lists
| Ranking | Credigenio ES | myKredit |
|---|---|---|
| Loans | 15 of 2043 | 3 of 2043 |
Also worth a look
Oney Prestamos has loan amount at €1,000 to €45,000, against €50 to €5,000 for Credigenio ES and €600 for myKredit.
Oney Prestamos reviewWhat we checked
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Every fact side by side
| Fact | Credigenio ES | myKredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Email, Help centre | Chat |
Where each stands against the rest
| Fact | Credigenio ES | myKredit | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €50 to €5,000below the median | €600lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 30 monthsbelow the median | 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.
myKredit
Pros
- The captured policy identifies a website owner and trade name.
Cons
- The statement does not establish lending terms or regulatory status.
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%.
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
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 | myKredit |
|---|---|---|
| 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.
How much can I borrow and for how long?+
Loan amounts run from €50 to €5,000, and the term is 3 to 4. That combination suits a short, urgent expense rather than anything long term. Anyone wanting a larger sum would be better served by a lender such as Creduma ES, which starts at from €12,000.
Can I repay a Credigenio ES loan early without a charge?+
Yes. Free early repayment is offered, so settling the balance ahead of the agreed end date costs nothing. With an APR starting at 0% to 317%, clearing the loan as quickly as your income allows is the most effective way to cut what you pay in interest.