Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Sofkredit
Credigenio ES
Higher score in this comparison
Sofkredit
Credigenio ES vs Sofkredit: the differences
| Compare | Credigenio ESReviewVisitVisit | SofkreditReviewVisitVisit |
|---|---|---|
| APR | 0% to 317%Lower | 10.74% to 18.06% |
| Loan amount | €50 to €5,000 | €12,000 to €300,000Higher |
| Term | 3 to 4 months | 6 to 240 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Funding time | Same day - money can be in your account today | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| 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 or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal, Payday | Secured, Debt consolidation, Business |
| Credit needed | Fair | Poor |
| Credit check | Not confirmed | Soft prequal |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Sofkredit is available in 2 more countries.
- APR is lower at Credigenio ES: 0% to 317% vs 10.74% to 18.06%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €50 to €5,000.
- Term is higher at Sofkredit: 6 to 240 months vs 3 to 4 months.
- Support channels: only Sofkredit offers Phone.
- Loan types: only Credigenio ES offers Personal, Payday.
- Loan types: only Sofkredit offers Secured, Debt consolidation, Business.
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.
Sofkredit
Sofkredit suits Spanish adults who want a substantial secured, consolidation, business or mortgage-guaranteed loan placed with a specialist lender. The published APR is 10.74% to 18.06% and a collaborating lender adds a commission, so the total repayable matters more than the headline rate.
Score breakdown
| Area | Credigenio ES | Sofkredit |
|---|---|---|
| Cost | 9.5Higher | 8.6 |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 9.4HigherAmounts of €12,000 to €300,000 at an APR of 10.74% to 18.06%, with secured, consolidation, business and mortgage-guaranteed lending and same-day funding. |
| Trust | 8.1 | 8.5Higher |
Ranges side by side
| Fact | Credigenio ES | Sofkredit |
|---|---|---|
| APR | 0% to 317% | 10.74% to 18.06% |
| Loan amount | €50 to €5,000 | €12,000 to €300,000 |
| Term | 3 to 4 months | 6 to 240 months |
Side by side, item by item
| Loan types | Credigenio ES | Sofkredit |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Business | No | Yes |
How they place
| Ranking | Credigenio ES | Sofkredit |
|---|---|---|
| Loans | 15 of 2043 | 4 of 2043 |
Every fact side by side
| Fact | Credigenio ES | Sofkredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Kova Finance, S.L. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Credigenio ES | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Credigenio ES | Sofkredit | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 10.74% to 18.06%above the median | 9.99 |
| Loan amount | €50 to €5,000below the median | €12,000 to €300,000highest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%highest quarter | 0 |
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.
Sofkredit
Pros
- Loan amounts of €12,000 to €300,000 suit secured borrowing, debt consolidation and business finance.
- Sofkredit adds no charge of its own, while the 6% to 9% arrangement fee on mortgage-guaranteed loans is set by the collaborating lender.
- A soft prequalification check under soft prequal is gentler on a credit file than a full search.
Cons
- The collaborating lender charges an arrangement fee of 6% to 9% of the loan on top of the interest rate.
- The top of the 10.74% to 18.06% range compares with a site median of 15.5%, so the dearest outcome sits well above the middle of the market.
- Sofkredit works as a broker under broker, so the lender and the final terms sit elsewhere.
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%.
Sofkredit
Who it suits
- Adults in Spain who hold Spanish nationality or residence and a bank account, and need a secured loan.
- Borrowers consolidating debt who want to start with a soft prequalification through soft prequal.
- Homeowners planning home equity or a remortgage under home equity and remortgage.
Who should look elsewhere
- Applicants outside Spain, since eligibility rests on Spanish nationality or residence and a bank account, while Cashspace at PHP 12 to PHP 36 serves another market.
- Borrowers who want the lowest headline cost, who should weigh Solcredito MX at 9.5% to 3,696% and Cashspace at PHP 12 to PHP 36 before settling.
- Anyone expecting a direct lender or a small sum, since Sofkredit works as a broker under broker and publishes amounts of €12,000 to €300,000.
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 | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| 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.
Sofkredit
What fees do I pay through Sofkredit?+
Sofkredit adds no charge of its own. The arrangement fee of 6% to 9% of the loan is charged by the collaborating lender on mortgage-guaranteed loans, and the first example given is a €900 to €1,350 commission. Anyone budgeting here should add that commission to the interest, since it sits on top of the rate rather than inside it.
What rate and total cost should I expect?+
The published APR is 10.74% to 18.06%, and the representative example puts a real figure on repayment: a loan repaid over several years costs more in total than the amount drawn down. The rate offered sits inside that range, while the total repayable depends on the term and on the collaborating lender's fee.
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