Credy vs Binixo: aggregators with 0% promo
| Credy | Binixo | |
|---|---|---|
| APR (CAT) | — | — |
| Amount | $1k–$30k | $1k–$50k |
| Term | 30–1095 días | 30–1095 días |
| What sets it apart | Aggregator from Estonia, first-loan 0% promo, transparency focus | Mexican aggregator, higher max amount, broad SOFOM network |
When to pick Credy
Credy wins if you value knowing exactly which SOFOM you sign with before accepting. The European operation with CONDUSEF registration as comparison agent is transparent. The 0% promo holds with on-time payment.
When to pick Binixo
Binixo wins if you need higher ticket (up to 50,000 vs Credy's 30,000). The Mexican partner-SOFOM network is broad and the 0% promo on the first applies equally. For thin-bureau profiles, usually finds more options.
My recommendation
Ticket up to 30K with transparency: Credy. Ticket above 30K or thin bureau: Binixo for more options.
How we compare these two
The figures in the table — CAT, amount, term — come from each institution’s public rate sheet, not from us, and the commercial relationship never changes them. The «cheaper» verdict weighs the total cost for a standard profile; your own CAT depends on your Buró and income, so treat the numbers as a starting point and confirm the final terms on the lender’s site before signing. The order of offers across the site follows our published methodology.
Read the full editorial review of Credy or Binixo before deciding.