Updated September 28, 2026 · SumCue Editorial Team
Credityes vs Prestamiau
Credityes
Higher score in this comparison
Prestamiau
Where Credityes and Prestamiau differ
| Compare | CredityesReviewVisitVisit | PrestamiauReviewVisitVisit |
|---|---|---|
| APR | 0% to 48% | MX$0 to MX$36 |
| Loan amount | ₱1,000 to ₱25,000 | MX$100 to MX$20,000 |
| Term | 2 to 36 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 PHP | 0 MXN |
| Funding time | A few minutes after confirmation | Loan obtained in 5 minutes; full process under 30 minutes |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Broker | Marketplace |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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
- Credityes scores higher overall: 8.9 vs 8.7.
- Prestamiau is available in 1 more country.
- Term is higher at Credityes: 2 to 36 months vs 3 to 4 months.
- Support channels: only Credityes offers Help centre.
- Loan types: only Prestamiau offers Debt consolidation.
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.
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 | Credityes | Prestamiau |
|---|---|---|
| Cost | 9.9Higher | 9.7An 0 MXN arrangement fee and 0% on MXN 0 to MXN 36 keeps borrowing cheap. |
| Offer | 8.3HigherAPR of 0% to 48% with an origination fee of 0 PHP on personal loans of PHP 1,000 to PHP 25,000. | 8.2 |
| Trust | 8.5Higher | 8.1 |
How they place
| Ranking | Credityes | Prestamiau |
|---|---|---|
| Loans | 12 of 2043 | 7 of 2043 |
| Personal loans | 9 of 1317 | 4 of 1317 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 2 to 36 months for Credityes and 3 to 4 months for Prestamiau.
Sofkredit reviewEvery fact side by side
| Fact | Credityes | Prestamiau |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Fininity OÜ |
| Headquarters | Latvia | Estonia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes | Prestamiau | Median |
|---|---|---|---|
| Term | 2 to 36 monthsbelow the median | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
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
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
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
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
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
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 | Credityes | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| 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.
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.