Updated September 28, 2026 · SumCue Editorial Team
Ibancar Prestamos vs Que Prestamo
Ibancar Prestamos
Higher score in this comparison
Que Prestamo
Ibancar Prestamos vs Que Prestamo: the differences
| Compare | Ibancar PrestamosReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| APR | 12.74% to 13.01% | 7% to 35%Lower |
| Loan amount | €600 to €8,000Higher | €5,000 |
| Term | 12 to 60 months | 1 to 72 monthsHigher |
| Funding time | Same day, up to 24 hours | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Lender type | Direct lender | Broker |
| Eligibility | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Loan types | Personal, Car, SecuredCovers more | Personal |
| Arrangement fee | Not confirmed | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 3.5% |
| Credit needed | Poor | Not confirmed |
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Key differences
- Ibancar Prestamos scores higher overall: 9.1 vs 8.6.
- APR is lower at Que Prestamo: 7% to 35% vs 12.74% to 13.01%.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €5,000.
- Term is higher at Que Prestamo: 1 to 72 months vs 12 to 60 months.
- Support channels: only Ibancar Prestamos offers Phone, Help centre.
- Loan types: only Ibancar Prestamos offers Car, Secured.
Our verdict on each
Ibancar Prestamos
Ibancar Prestamos suits borrowers in Spain who own the car they pledge as collateral and can accept a fixed rate. Money moves in Same day, up to 24 hours, and the 12.74% to 13.01% sits below the site median of 15.5%.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan paid out the same day and can cover a fee taken off the top. Its cost picture is the weak point: the annual percentage rate runs 7% to 35%, and the fee of 3.5% is deducted from the amount disbursed.
Score breakdown
| Area | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| Cost | 8.8 | 8.8Annual percentage rate of 7% to 35% plus an arrangement fee of 3.5% taken off the amount before it reaches the account. |
| Offer | 9.3Higher12.74% to 13.01% and €600 to €8,000 with Same day, up to 24 hours, a narrow 12 to 60 range and poor credit accepted. | 8.7 |
| Trust | 9.4Higher | 8.5 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Ibancar Prestamos
1,042.39 to 1,065.78
1,042.39 to 1,065.78
Que Prestamo
557.88 to 3,142.49
557.88 to 3,142.49
Que Prestamo comes out 484.51 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.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 12.74% to 13.01% for Ibancar Prestamos and 7% to 35% for Que Prestamo.
Prestamiau ES reviewHow they place
| Ranking | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| Loans | 19 of 2043 | 9 of 2043 |
| Personal loans | 15 of 1317 | 6 of 1317 |
Every fact side by side
| Fact | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Ibancar World SL | Leads for Finance S.L.U. |
| Headquarters | Spain | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Ibancar Prestamos | Que Prestamo | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | 7% to 35%below the median | 9.99 |
| Loan amount | €600 to €8,000below the median | €5,000below the median | €40,000 |
| Term | 12 to 60 monthsat the median | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 3.5%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
Ibancar Prestamos
Pros
- Funding lands in Same day, up to 24 hours, and same-day money is uncommon, since only 30.8% of the site offers it
- The 12.74% to 13.01% sits below the site median of 15.5% and the personal loan ranking median of 14.43%
- Borrowing is a direct arrangement with direct lender, so you deal with the entity named in the representative example rather than a middleman
Cons
- Borrowing is secured on your car, so the vehicle is at stake if you miss payments
- The largest loan is €600 to €8,000, well short of the from €12,000 floor at Creduma ES
- Terms run 12 to 60, narrower than the personal loan ranking span of 1 to 480
Que Prestamo
Pros
- Approval in Approval in 5 minutes, money in your account in 15 minutes, so a same day loan is realistic for anyone in a hurry
- No guarantor needed, which widens who can qualify
- Personal loans up to €5,000 and terms of 1 to 72 cover short and long borrowings
Cons
- The arrangement fee of 3.5% is deducted from the disbursed amount, so you receive less than the amount approved
- Rates of 7% to 35% sit well above Sofkredit at 10.74% to 18.06%
- Support runs on email only, so there is no phone or chat line for a live loan query
Who each suits
Ibancar Prestamos
Who it suits
- Drivers in mainland Spain, the Balearic Islands and the Canary Islands who own the car they pledge
- Borrowers listed on ASNEF who need money against a vehicle rather than on income alone
- People who want a fixed monthly cost they can see before signing
Who should look elsewhere
- Anyone who does not own the vehicle they would pledge as collateral
- Borrowers wanting unsecured money, since the largest amount here is €600 to €8,000
- Lenders shopping for a rate floor, as 12.74% to 13.01% starts well above the site median of 15.5%
Que Prestamo
Who it suits
- Residents of Spain with a current account in their own name and an active mobile number
- Adults with a valid DNI or NIE who can cover a fee taken off the loan amount
- Borrowers who need money in the account the same day rather than at the end of the week
Who should look elsewhere
- Anyone who wants the full approved amount in the account, since the fee is deducted first
- Borrowers wanting a low rate, where Sofkredit at 10.74% to 18.06% is the cheaper comparison
- Larger sums, since Creduma ES offers amounts from from €12,000
Country by country
| Country | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Ibancar Prestamos
What rate will I pay on a secured car loan?+
The 12.74% to 13.01% covers the product, and the pricing is a fixed rate, so the number you agree does not shift with the market. The site median APR of 15.5% shows this loan sits at the cheaper end of the wider field. Always check the figure on your own offer before signing.
How much can I borrow?+
The range is €600 to €8,000, so the smallest and largest advances are fixed. That ceiling is modest, and it is far below the from €12,000 minimum at Creduma ES. The car you pledge is what sets both the amount and the rate you are offered.
Que Prestamo
What does Que Prestamo cost to borrow?+
The annual percentage rate runs 7% to 35% on personal loans. On top of that, an arrangement fee of 3.5% of the loan amount is charged as loan processing fees of the financial entity, and it is taken off the amount disbursed rather than billed separately.
How much money actually lands in my account?+
Less than the amount approved, because the arrangement fee of 3.5% is deducted from the disbursed amount. The representative example shows this clearly, with the amount received lower than the amount borrowed and the total repayable higher again once interest is added.