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EnLaMano review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

EnLaMano is a Uruguayan direct lender for adults who need a personal loan in pesos and can show proof of income, but the price of 133.48% is steep. Terms run 5 to 24, so this is a short borrowing fix rather than long term finance.

Key facts

Best for
Uruguayan borrowers who need a personal loan in pesos and can meet the credit and income rules.
APR
133.48%↗
Loan amount
UYU 5,000 to UYU 250,000↗
Term
5 to 24 months↗
Arrangement fee
Administrative expense, insurance and VAT bundled into the total cost (not stated separately)↗
Credit check
Hard↗
Representative example
UYU 30,000 loan over 12 monthly instalments, TAE 133.4860%, total cost UYU 51,629.64↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Aged 21 to 79, Uruguayan citizen (natural or legal), at least 4 months of work history, proof of income, no credit bureau default↗
Loan types
Personal↗
Legal entity
MANDAZY S.A (Prestamos En La Mano)↗
Headquarters
Uruguay↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
enlamano.com.uy

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • EnLaMano lends directly (direct lender), so the lender you deal with is the party that holds the debt.
  • Fixed rate pricing (fixed) on a personal loan (personal) keeps the instalment steady.
  • Loan sizes of UYU 5,000 to UYU 250,000 in pesos cover small and large needs, with support on email, phone and help centre.

Cons

  • Cost of 133.48% sits far above the personal loan median on this list, and free early repayment is no on top of it.
  • The credit check is hard, and eligibility also rules out applicants with a credit bureau default.
EnLaMano

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults in Uruguay within the accepted age band who can show a waiting period of work history and proof of income.
  • People who want phone, email and a named help centre, since support runs on email, phone and help centre.
  • Borrowers who want a fixed rate in pesos over a short schedule of 5 to 24.

Who should look elsewhere

  • Not for anyone watching the cost of borrowing: Sofkredit charges 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both far below 133.48% here.
  • Not for applicants outside Uruguay: this lender is based in Uruguay under the Banco Central del Uruguay, while Sofkredit and Cashspace serve other markets.
  • Not for large euro borrowing: Creduma ES starts at from €12,000, well above the peso ceiling in UYU 5,000 to UYU 250,000.

How EnLaMano compares

Where EnLaMano is available

Available
Uruguay
Licence in Uruguay
Banco Central del Uruguay (Superintendencia de Servicios Financieros), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow, and for how long?+

EnLaMano lends UYU 5,000 to UYU 250,000 in Uruguayan pesos over terms of 5 to 24. The product is a personal loan (personal) priced at a fixed rate (fixed), so the instalment holds steady across the schedule rather than following a market rate.

Who is eligible to apply?+

Applicants must be Uruguayan citizens, natural or legal, within the age band the lender accepts, with a waiting period of work history and proof of income. The lender also wants no credit bureau default on file, and credit assessment is hard, so a recorded default ends the application before any offer.

Can I repay the loan early without a charge?+

No. Free early repayment is listed as no, so clearing the balance before the end of the 5 to 24 schedule costs money. Most other lenders in this comparison allow free early settlement, so treat the schedule as fixed in practice and size the instalment to what you can pay each month.

Who regulates EnLaMano?+

The lender is based in Uruguay and sits under the Banco Central del Uruguay, through its Superintendencia de Servicios Financieros. The contracting entity is MANDAZY S.A (Prestamos En La Mano), and it operates as a direct lender (direct lender) rather than a broker, so the party you repay is the party that made the loan.

How do I get help with the loan?+

Support runs on email, phone and help centre, and those listed channels are the full set on offer. Email and phone cover eligibility, document questions and repayment queries, while the help centre handles self service queries, so most routine questions can be resolved without an appointment.

How does the cost compare with the other lenders here?+

Not favourably. The annual figure of 133.48% sits far above 10.74% to 18.06% at Sofkredit and PHP 12 to PHP 36 at Cashspace, though the currencies and markets differ. EnLaMano sits near the bottom of the personal loan list on cost, so cheaper credit appears in the same comparison.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

EnLaMano

EnLaMano

Uruguayan borrowers who need a personal loan in pesos and can meet the credit and income rules.

8.9/10See alternatives