Updated September 28, 2026 · SumCue Editorial Team
Andacredito vs Prestamiau
Andacredito
Higher score in this comparison
Prestamiau
Andacredito vs Prestamiau: the differences
| Compare | AndacreditoReviewVisitVisit | PrestamiauReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | MX$0 to MX$36 |
| Loan amount | €100 to €5,000 | MX$100 to MX$20,000 |
| Term | 2 to 3 months | 3 to 4 monthsHigher |
| Arrangement fee | 0 EUR | 0 MXN |
| Funding time | 10 minutes | Loan obtained in 5 minutes; full process under 30 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Debt consolidation |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Origination fee (%) (0%), Credit needed (Poor).
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Key differences
- Andacredito scores higher overall: 8.8 vs 8.7.
- Prestamiau is available in 1 more country.
- Term is higher at Prestamiau: 3 to 4 months vs 2 to 3 months.
- Loan types: only Andacredito offers Payday, Car, Business.
Our verdict on each
Andacredito
Andacredito suits borrowers in Spain who need a small sum quickly and can manage a short repayment window. The broker charges an arrangement fee of 0 EUR and quotes APR of 0% to 36%, with a representative example at 0% to 36% and free early repayment.
Prestamiau
Prestamiau suits Mexican borrowers with a poorer credit record who need a small sum in a hurry rather than a large balance. The rate runs MXN 0 to MXN 36, the arrangement fee is 0 MXN, and Loan obtained in 5 minutes; full process under 30 minutes gets money moving.
Score breakdown
| Area | Andacredito | Prestamiau |
|---|---|---|
| Cost | 9.5Arrangement fee of 0 EUR and 0%, APR of 0% to 36%, free early repayment. | 9.7HigherAn 0 MXN arrangement fee and 0% on MXN 0 to MXN 36 keeps borrowing cheap. |
| Offer | 8.4Higher | 8.2 |
| Trust | 8.5Higher | 8.1 |
Ranges side by side
| Fact | Andacredito | Prestamiau |
|---|---|---|
| Term | 2 to 3 months | 3 to 4 months |
Side by side, item by item
| Loan types | Andacredito | Prestamiau |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
Pick Andacredito if, pick Prestamiau if
Pick Andacredito if trust and loan types matter most.
Pick Prestamiau if term matter most.
If neither fits
myKredit has term at 30 months, against 2 to 3 months for Andacredito and 3 to 4 months for Prestamiau.
myKredit reviewHow they place
| Ranking | Andacredito | Prestamiau |
|---|---|---|
| Loans | 18 of 2043 | 7 of 2043 |
| Personal loans | 14 of 1317 | 4 of 1317 |
Every fact side by side
| Fact | Andacredito | Prestamiau |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Prestamiau | Median |
|---|---|---|---|
| Term | 2 to 3 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Andacredito
Pros
- Arrangement fees of 0 EUR and 0% keep the cost of taking out a loan low
- Free early repayment means a clear exit without a charge for settling early
- The representative example shows a small loan with no cost added to what is borrowed
Cons
- Terms run only 2 to 3, far shorter than the 36 seen across the market
- The top of the rate range, 0% to 36%, sits close to the 27.8% typical of payday style lending
- Support runs on email only, so help is written rather than spoken
Prestamiau
Pros
- Arrangement fee of 0 MXN and 0% on personal loans, so setting up adds nothing.
- A rate of MXN 0 to MXN 36 places Prestamiau at position 1 of 338 on cost.
- Loan obtained in 5 minutes; full process under 30 minutes, so an urgent bill can be covered the same day.
Cons
- Support runs on email only, so a payment problem is sorted in writing.
- Terms of 3 to 4 leave a short window, so the balance must clear quickly.
- Borrowing stops at MXN 100 to MXN 20,000, far below larger facilities such as Creduma ES from from €12,000.
Who each suits
Andacredito
Who it suits
- Adults with a bank account in Spain who meet the 18 or older, bank account in Spain, ability to repay rules
- Borrowers with poor credit who want a quick small sum
- People who can clear a short 2 to 3 term from one payment cycle
Who should look elsewhere
- Anyone needing a long repayment period, since the ceiling is 2 to 3 against the from €12,000 floor at Creduma ES
- Borrowers who want a long term loan at a fixed style rate, where Sofkredit quotes 10.74% to 18.06%
- People who prefer to speak to support, as Andacredito offers email only
Prestamiau
Who it suits
- Adults in Mexico with their own bank account, a valid INE or IFE, a stable income, a phone and an email.
- Borrowers with poor credit, who make up 42.3% of the personal loan table.
- Anyone consolidating balances or funding a home project, given personal and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers after a large balance: Creduma ES starts at from €12,000, past the MXN 100 to MXN 20,000 ceiling here.
- Readers who want a narrow rate band: Sofkredit's 10.74% to 18.06% is tighter than MXN 0 to MXN 36.
- Anyone who prefers a rate with a clear floor: Cashspace at PHP 12 to PHP 36 starts well above the MXN 0 to MXN 36 floor here.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Prestamiau
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)
New users only; representative example 1,000 MXN over 95 days, cost 0 MXN, total to repay 1,000 MXN, CAT 0%
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | Yes |
Questions about each
Andacredito
What does Andacredito charge to set up a loan?+
The arrangement fee is 0 EUR and the percentage fee is 0%, so there is no separate charge for arranging the loan. The rate quoted is 0% to 36%, and it is a variable rate, so the figure can change. Early repayment carries no charge either.
Is early repayment free on Andacredito loans?+
Yes, early repayment is free. That matters most on the short 2 to 3 terms the brand offers, because a borrower who clears the balance sooner pays nothing extra for doing so. Many lenders on the site charge for settling early, so this is a point in favour.
Prestamiau
What does a Prestamiau loan cost?+
The quoted rate is MXN 0 to MXN 36 and the arrangement fee on a personal loan is 0 MXN. The representative example shows the cost as 0 MXN and the total to repay equal to the amount borrowed, so nothing is added to the smallest case. Because MXN 0 to MXN 36 spans a wide band, the rate on a real file is set from inside that range.
Is the lender regulated and is my money protected?+
Prestamiau is a marketplace, so the contract that matters is the one with the lender it introduces you to, and that lender sets the rate and takes the repayments. Any protection arrangement sits with that lender, not with the marketplace, so check the scheme named in the offer. As a wider backdrop, retail loss runs at a median 70.15% across the lenders covered here.