Updated September 28, 2026 · SumCue Editorial Team
Credityes vs Mi Prestamo
Credityes
Mi Prestamo
Higher score in this comparison
Credityes vs Mi Prestamo: the differences
| Compare | CredityesReviewVisitVisit | Mi PrestamoReviewVisitVisit |
|---|---|---|
| APR | 0% to 48%Lower | 23% |
| Loan amount | ₱1,000 to ₱25,000 | €200 to €3,000 |
| Term | 2 to 36 monthsHigher | 2 to 12 months |
| Arrangement fee | 0 PHP | 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 | A few minutes after confirmation | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account |
| Lender type | Broker | Direct lender |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address |
| Credit check | Not confirmed | Hard |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Loan types (Personal).
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: 0% to 48% vs 23%.
- Term is higher at Credityes: 2 to 36 months vs 2 to 12 months.
- Support channels: only Mi Prestamo offers Phone, Chat.
Our verdict on each
Credityes
Credityes suits Philippine residents who want a small personal loan without an upfront fee, and money can reach them A few minutes after confirmation. The catch is the top of the rate range and short maximum term, so check the annual percentage cost on your own offer before you commit.
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 | Mi Prestamo |
|---|---|---|
| Cost | 9.9Higher | 8.9APR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. |
| Offer | 8.3APR of 0% to 48% with an origination fee of 0 PHP on personal loans of PHP 1,000 to PHP 25,000. | 9.0Higher |
| Trust | 8.5 | 9.4Higher |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes
0 to 557.25
0 to 557.25
Mi Prestamo
257.83
257.83
Credityes comes out 257.83 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Positions in our rankings
| Ranking | Credityes | Mi Prestamo |
|---|---|---|
| Loans | 12 of 2043 | 10 of 2043 |
| Personal loans | 9 of 1317 | 7 of 1317 |
Licences and countries
Additional countries for Credityes: 1. Additional countries for Mi Prestamo: 1.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 48% for Credityes and 23% for Mi Prestamo.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Credityes | Mi Prestamo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Easy Asset Management Iberia S.L. |
| Headquarters | Latvia | Spain |
| Support channels | Email, Help centre | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes | Mi Prestamo | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 23%highest quarter | 9.99 |
| Term | 2 to 36 monthsbelow the median | 2 to 12 monthslowest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
Credityes
Pros
- Origination fee of 0 PHP on personal loans, so there is no charge to set one up
- APR runs from 0% to 48%, so a lower cost is possible depending on the offer you are given
- Loan amounts of PHP 1,000 to PHP 25,000 keep the balance small and repayable
Cons
- The top of the APR range is high, so the cost depends heavily on the rate you are offered
- Terms top out at 2 to 36, which limits how far a larger balance can be stretched
- Phone is not among its support channels (email and help centre), so help is written rather than spoken
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
Who it suits
- Philippine residents with a personal bank account, valid ID, email and phone who are planning home improvement work
- Borrowers who want a small fixed amount rather than a revolving credit line
- Adults who need a decision and money movement quickly, since funding is A few minutes after confirmation
Who should look elsewhere
- Borrowers who need a phone line, since support runs on email and help centre only
- Anyone wanting longer terms than 2 to 36 to keep monthly payments low
- Readers comparing euro loans, since these are personal loans in a single market
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
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Credityes | Mi Prestamo |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Credityes
What does it cost to take a personal loan from Credityes?+
The origination fee is 0 PHP on personal loans, so there is no upfront charge to arrange one. What you pay is the interest itself, with an APR running from 0% to 48%. Their worked example shows the total repayable clearly against the amount borrowed, which is the figure to focus on.
How much can I borrow and for how long?+
Loan amounts run PHP 1,000 to PHP 25,000 and terms run 2 to 36, which gives you a fairly wide choice on the repayment window. The smallest loans are suited to a single repair rather than a full renovation. The maximum term is the constraint for anyone hoping to keep monthly payments low.
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.