Updated September 28, 2026 · SumCue Editorial Team
Credityes ES vs Mi Prestamo
Credityes ES
Mi Prestamo
Higher score in this comparison
Where Credityes ES and Mi Prestamo differ
| Compare | Credityes ESReviewVisitVisit | Mi PrestamoReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 23% |
| Loan amount | €100 to €5,000Higher | €200 to €3,000 |
| Term | 2 to 36 monthsHigher | 2 to 12 months |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) |
| Funding time | Money in a few minutes after a positive decision | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account |
| Lender type | Broker | Direct lender |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address |
| Loan types | Personal, PaydayCovers more | Personal |
| Credit check | Not confirmed | Hard |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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
- Mi Prestamo scores higher overall: 9.1 vs 8.9.
- APR is lower at Credityes ES: 0% to 36% vs 23%.
- Loan amount is higher at Credityes ES: €100 to €5,000 vs €200 to €3,000.
- Term is higher at Credityes ES: 2 to 36 months vs 2 to 12 months.
- Support channels: only Mi Prestamo offers Phone, Chat, Help centre.
- Loan types: only Credityes ES offers Payday.
Our verdict on each
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
Mi Prestamo
Mi Prestamo is a Spanish direct lender aimed at small, short personal loans repaid quickly, with cash in hand or in your account within hours of approval. The catch is price: the APR of 23% runs high for the market, and the arrangement fee adds charges on top of the interest.
Score breakdown
| Area | Credityes ES | Mi Prestamo |
|---|---|---|
| Cost | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | 8.9APR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. |
| Offer | 8.4 | 9.0Higher |
| Trust | 8.5 | 9.4Higher |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Credityes ES and 23% for Mi Prestamo.
FINANZCHECK.de reviewWhere these facts come from
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Mi Prestamo
- mi-prestamo.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Credityes ES | Mi Prestamo |
|---|---|---|
| Loans | 13 of 2043 | 10 of 2043 |
| Personal loans | 10 of 1317 | 7 of 1317 |
Every fact side by side
| Fact | Credityes ES | Mi Prestamo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Easy Asset Management Iberia S.L. |
| Headquarters | Latvia | Spain |
| Support channels | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Mi Prestamo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 23%highest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €200 to €3,000lowest quarter | €40,000 |
| Term | 2 to 36 monthsbelow the median | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
Mi Prestamo
Pros
- Cash is available within hours of approval, paid into your bank account or collected at a Mi Prestamo office.
- Early repayment is free, so finishing ahead of schedule costs nothing extra.
- Eligibility needs no guarantor and no collateral, so nobody else signs and nothing is pledged.
Cons
- The APR of 23% sits above the 14.43% median for personal loans.
- The arrangement fee stacks a solvency assessment charge, a loan management charge and a financial risk charge on top of the interest.
- Terms run 2 to 12, a much shorter window than the 36 personal loan median.
Who each suits
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
Mi Prestamo
Who it suits
- Borrowers in Spain with a Spanish ID, proof of income and a registered Spanish address who need a small sum quickly.
- Anyone able to clear the balance early, since early repayment carries no extra charge.
- Readers comfortable with a hard credit check and a short fixed repayment schedule.
Who should look elsewhere
- Readers who want a cheaper rate, since Sofkredit charges 10.74% to 18.06%.
- Borrowers after a bigger sum, because Creduma ES starts at from €12,000 and Mi Prestamo caps at €200 to €3,000.
- Shoppers in the peso market, since Cashspace quotes PHP 12 to PHP 36 in a different currency and is not a like-for-like swap.
Current offers
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Mi Prestamo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.
Mi Prestamo
What does a Mi Prestamo loan cost me?+
The headline rate is an APR of 23%, and the arrangement fee sits on top of that interest. The calculator splits the fee into a solvency assessment fee, a loan management fee and a financial risk fee, so a small loan carries a meaningful share of charges. Early repayment is free, which softens the deal for anyone who finishes ahead of schedule.
How much can I borrow, and over what period?+
The loan runs from €200 to €3,000, with a term of 2 to 12. Because the rate is fixed, the monthly figure holds steady for the whole period and does not change if market rates move. The modest ceiling and short window shape this as a loan for a specific expense rather than a long running commitment.