Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Youmoney
Credigenio ES
Higher score in this comparison
Youmoney
What sets them apart
| Compare | Credigenio ESReviewVisitVisit | YoumoneyReviewVisitVisit |
|---|---|---|
| APR | 0% to 317%Lower | 25.28% to 72.19% |
| Loan amount | €50 to €5,000 | PLN 100 to PLN 10,000 |
| Term | 3 to 4 months | 24 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | Same day - money can be in your account today | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| 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 | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Loan types | Personal, Payday | Personal, Payday, Debt consolidationCovers more |
| Credit needed | Fair | Poor |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 33.76% |
Same on both: Free early repayment (Yes).
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 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Credigenio ES: 0% to 317% vs 25.28% to 72.19%.
- Term is higher at Youmoney: 24 months vs 3 to 4 months.
- Support channels: only Youmoney offers Chat, Phone.
- Loan types: only Youmoney 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.
Youmoney
Youmoney is a Polish loan broker built for people with a thin credit file who need money the same day. It suits borrowers who accept a hard credit check and a high cost, since its APR of 25.28% to 72.19% sits far above the personal loan median of 14.43%. Early repayment carries no charge.
Score breakdown
| Area | Credigenio ES | Youmoney |
|---|---|---|
| Cost | 9.5Higher | 8.6APR of 25.28% to 72.19% against a personal loan median of 14.43%, with an origination charge of 33.76% on the instalment example. |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 9.2HigherA broker covering personal, payday and debt consolidation, with fixed-rate lending, same-day funding and a 24 term on offer. |
| Trust | 8.1 | 8.3Higher |
From lowest to highest
| Fact | Credigenio ES | Youmoney |
|---|---|---|
| APR | 0% to 317% | 25.28% to 72.19% |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 317% for Credigenio ES and 25.28% to 72.19% for Youmoney.
FINANZCHECK.de reviewWhat we checked
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Youmoney
- youmoney.pl: 20 facts, checked September 26, 2026
How they place
| Ranking | Credigenio ES | Youmoney |
|---|---|---|
| Loans | 15 of 2043 | 36 of 2043 |
| Personal loans | 12 of 1317 | 30 of 1317 |
| Payday and short-term loans | 3 of 233 | 15 of 233 |
Every fact side by side
| Fact | Credigenio ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Findao sp. z o.o. |
| Headquarters | Estonia | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 25.28% to 72.19%highest quarter | 9.99 |
| Term | 3 to 4 monthslowest quarter | 24 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 33.76%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.
Youmoney
Pros
- Any income source counts, from employment and self-employment to pension, allowance and alimony, so applicants are not tied to one form of earnings.
- Lenders release money in minutes with the quickest of them, usually within hours and at worst by the end of the next business day.
- Early repayment costs nothing, so a borrower who can clear the balance early pays less interest.
Cons
- The instalment example carries an origination charge of 33.76% of the amount borrowed, a cost that sits in the price from the first instalment.
- APR runs 25.28% to 72.19%, well above the personal loan median of 14.43% and the payday median of 36.5%.
- Applications run a hard credit check, so a declined application can be recorded on the credit file.
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%.
Youmoney
Who it suits
- Polish residents with a bank account and a Polish ID who need cash quickly rather than a low rate
- Borrowers whose income is a pension, allowance or alimony as well as a salary
- People with a poor credit file, because poor means the market accepts thin credit histories
Who should look elsewhere
- Anyone wanting a long cheap loan, since 24 is the only term on offer and 25.28% to 72.19% is high
- Borrowers who want a soft pre-application check rather than the hard credit check listed under hard
- Households that need to borrow a large sum, because PLN 100 to PLN 10,000 is the ceiling
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
Youmoney
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | 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.
Youmoney
What APR will I pay on a Youmoney loan?+
APR runs 25.28% to 72.19% across the products offered. For context, the median APR on our personal loan data is 14.43%, so the difference is large. The instalment example sits well above that median as well.
What does Youmoney charge for arranging a loan?+
The instalment-loan representative example includes a commission of 33.76% of the amount borrowed, charged alongside the interest. On top of that sits the interest itself, at a fixed rate across a term of 24. The total repayable is what matters, not the rate alone.