Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Prestamiau ES
Credigenio ES
Prestamiau ES
Higher score in this comparison
What sets them apart
| Compare | Credigenio ESReviewVisitVisit | Prestamiau ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 317% | 0% to 36% |
| Loan amount | €50 to €5,000 | €100 to €5,000 |
| Term | 3 to 4 months | 3 to 6 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0 EUR |
| Funding time | Same day - money can be in your account today | 5 minutes |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 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 | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Payday | Personal, Debt consolidation |
| Credit needed | Fair | Poor |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Prestamiau ES scores higher overall: 9.0 vs 8.7.
- Term is higher at Prestamiau ES: 3 to 6 months vs 3 to 4 months.
- Loan types: only Credigenio ES offers Payday.
- Loan types: only Prestamiau ES 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.
Prestamiau ES
Prestamiau ES is a small, fast broker loan for adults in Spain who need a modest sum quickly, with an origination fee of 0 EUR and funding in 5 minutes. It suits urgent costs rather than planned borrowing, and the short term means the bill lands sooner than most.
Score breakdown
| Area | Credigenio ES | Prestamiau ES |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 8.6HigherAPR runs 0% to 36% with an origination fee of 0 EUR, and poor credit is accepted, though terms are short at 3 to 6. |
| Trust | 8.1 | 8.5Higher |
Where each is licensed and available
Available in 1 country for both.
Where these facts come from
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
How they place
| Ranking | Credigenio ES | Prestamiau ES |
|---|---|---|
| Loans | 15 of 2043 | 6 of 2043 |
| Personal loans | 12 of 1317 | 3 of 1317 |
Every fact side by side
| Fact | Credigenio ES | Prestamiau ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Fininity OU |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | Credigenio ES | Prestamiau 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 | 3 to 6 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.
Prestamiau ES
Pros
- Money moves fast: funding takes 5 minutes and same day funding is listed.
- The origination fee is listed as 0 EUR, and the representative example shows nothing extra to repay on a small sum.
- A thin credit file is not an automatic no, since the stated credit bar is poor.
Cons
- The term is 3 to 6, so the balance has to clear quickly and there is little room for a quiet month.
- Phone is not among the support channels, which run on email and help centre, so a repayment problem has to be put in writing.
- As a broker, the lender and the final price are set by a partner rather than by the brand you applied through.
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%.
Prestamiau ES
Who it suits
- Adults living in Spain with a stable income who need a small sum released fast for a bill or a repair.
- Borrowers with a thin credit history, since the stated credit bar is poor.
- People who want the origination fee held at 0 EUR and can handle a short repayment schedule.
Who should look elsewhere
- Anyone borrowing a larger balance: Creduma ES starts at from €12,000, well beyond the €100 to €5,000 offered here.
- Borrowers who want a long schedule to lighten the monthly bill, because the term here is 3 to 6.
- People who need to talk a problem through, since phone is not among the support channels listed, which are email and help centre.
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 | Prestamiau 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.
Prestamiau ES
What does a loan from Prestamiau ES cost?+
The origination fee is listed as 0 EUR, and the representative example shows a small sum repaid over a short period with nothing added in cost and nothing extra to repay. The published range is 0% to 36%, so what you actually pay depends on the offer you receive. Ask for the total repayable figure before you sign anything.
How fast will the money arrive?+
Funding takes 5 minutes, and same day funding is listed, so a bill or a repair that is already due does not have to wait. Speed is the clearest reason to pick this broker over a slower direct lender. It suits a fixed, near-term cost rather than a purchase you can time.