Updated September 30, 2026 · SumCue Editorial Team
Credigenio ES vs Prestame ES
Credigenio ES
Higher score in this comparison
Prestame ES
Where Credigenio ES and Prestame ES differ
| Compare | Credigenio ESReviewVisitVisit | Prestame ESReviewVisitVisit |
|---|---|---|
| Loan amount | €50 to €5,000 | from €250 |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0 EUR - no fee charged to the user for the comparison service |
| Funding time | Same day - money can be in your account today | Money transferred the same day by partner lenders |
| 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 | Natural persons of legal age (adults) |
| Loan types | Personal, PaydayCovers more | Personal |
| APR | 0% to 317% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Fair | Not confirmed |
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Key differences
- Credigenio ES scores higher overall: 8.7 vs 8.5.
- 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.
Prestame ES
Prestame suits adults looking for brokered personal borrowing with quick payout because Money transferred the same day by partner lenders and entry borrowing starts at from €250 for comparison through partner lenders. While the service itself stays free and email support shapes expectations around speed against direct lender choice and final terms.
Score breakdown
| Area | Credigenio ES | Prestame ES |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 8.5Offer reflects brokered personal choice with payout described by Money transferred the same day by partner lenders for comparison. |
| Trust | 8.1 | 8.5HigherTrust reflects identified operator KOSMOS EQAV, S.L. with contact through email. |
Availability and regulation
Available in 1 country for both.
From lowest to highest
| Fact | Credigenio ES | Prestame ES |
|---|---|---|
| Loan amount | €50 to €5,000 | from €250 |
How they place
| Ranking | Credigenio ES | Prestame ES |
|---|---|---|
| Loans | 15 of 2043 | 69 of 2043 |
| Personal loans | 12 of 1317 | 58 of 1317 |
Pick Credigenio ES if, pick Prestame ES if
Pick Credigenio ES if loan types matter most.
Pick Prestame ES if trust matter most.
Sources behind this comparison
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Prestame ES
- prestame.es: 7 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio ES | Prestame ES |
|---|---|---|
| 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 | Not confirmed |
Where each stands against the rest
| Fact | Credigenio ES | Prestame ES | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €50 to €5,000below the median | from €250lowest 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.
Prestame ES
Pros
- Comparison stays free for you, with no charge stated for arrangement through partner lenders.
- Payout is described by Money transferred the same day by partner lenders, which suits urgent personal needs subject to approval.
- Entry borrowing starts at from €250, keeping access open for modest personal requests.
Cons
- Support runs on email only, which limits choice for borrowers who prefer phone or chat help.
- Broker model under broker means final rates and approval rest with partner lenders rather than Prestame.
- Entry borrowing at from €250 may feel limited beside DKB where amounts reach €2,500 to €100,000 for larger plans.
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%.
Prestame ES
Who it suits
- Adults seeking brokered personal comparison who accept partner lender terms, unlike direct lending at DKB.
- Borrowers favouring prompt transfer described by payout timing, compared with larger structured borrowing at Ibancar Prestamos.
- Users comfortable with email led help who want modest entry sums, compared with business credit at 5in5.
Who should look elsewhere
- Borrowers wanting direct lender servicing should consider DKB, as Prestame operates as broker with broker and final terms rest elsewhere.
- Borrowers wanting phone help should look beyond Prestame, as support runs on 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 | Prestame 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.
Prestame ES
Does Prestame charge a fee for the comparison service+
The comparison service itself stays free for you, with no charge stated for arranging the comparison. Partner lenders set loan pricing separately, so you should review the offer shown by the assigned lender carefully before you accept terms.
Is Prestame a direct lender or a broker+
Prestame acts as broker rather than direct lender, so it compares and passes your request to partner lenders. Those partners decide approval, pricing and payout, with Money transferred the same day by partner lenders describing the intended transfer once a lender accepts your file.