Updated October 17, 2026 · SumCue Editorial Team
Mi Prestamo vs myKredit
Mi Prestamo
Higher score in this comparison
myKredit
Mi Prestamo vs myKredit: the differences
| Compare | Mi PrestamoReviewVisitVisit | myKreditReviewVisitVisit |
|---|---|---|
| Loan amount | €200 to €3,000Higher | €600 |
| Term | 2 to 12 months | 30 monthsHigher |
| Credit check | Hard | None |
| Funding time | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account | funds transferred within 10 minutes of approval |
| Eligibility | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address | Adults with a valid DNI or NIE |
| Loan types | Personal | Payday |
| APR | 23% | Not confirmed |
| Arrangement fee | 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) | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Mi Prestamo scores higher overall: 9.1 vs 8.1.
- Loan amount is higher at Mi Prestamo: €200 to €3,000 vs €600.
- Term is higher at myKredit: 30 months vs 2 to 12 months.
- Support channels: only Mi Prestamo offers Phone, Email, Help centre.
- Loan types: only Mi Prestamo offers Personal.
- Loan types: only myKredit offers Payday.
Our verdict on each
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.
myKredit
A captured Spanish privacy-policy module identifies Trive Credit Spain, S.L. as the owner of the mykredit.es website and says the company operates under the trade name MyKredit.
Score breakdown
| Area | Mi Prestamo | myKredit |
|---|---|---|
| Cost | 8.9APR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. | Not confirmed |
| Offer | 9.0Higher | 8.1 |
| Trust | 9.4 | Not confirmed |
How they place
| Ranking | Mi Prestamo | myKredit |
|---|---|---|
| Loans | 10 of 2043 | 3 of 2043 |
Pick Mi Prestamo if, pick myKredit if
Pick Mi Prestamo if loan amount matter most.
Pick myKredit if term matter most.
If neither fits
Oney Prestamos has loan amount at €1,000 to €45,000, against €200 to €3,000 for Mi Prestamo and €600 for myKredit.
Oney Prestamos reviewSources behind this comparison
Mi Prestamo
- mi-prestamo.es: 16 facts, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Every fact side by side
| Fact | Mi Prestamo | myKredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Easy Asset Management Iberia S.L. | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Phone, Chat, Email, Help centreCovers more | Chat |
Where each stands against the rest
| Fact | Mi Prestamo | myKredit | Median |
|---|---|---|---|
| APR | 23%highest quarter | Not confirmed | 9.99% |
| Loan amount | €200 to €3,000lowest quarter | €600lowest quarter | €40,000 |
| Term | 2 to 12 monthslowest quarter | 30 monthsbelow the median | 60 |
Median across 1096 listed providers.
Pros and cons
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.
myKredit
Pros
- The captured policy identifies a website owner and trade name.
Cons
- The statement does not establish lending terms or regulatory status.
Who each suits
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.
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
Country by country
| Country | Mi Prestamo | myKredit |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
How quickly is the money available?+
After approval the funds are available within hours. You can have the amount paid to your bank account or collect it in person at a Mi Prestamo office, so a transfer suits anyone who wants the balance in their account and a branch suits applicants who would rather take cash. The clock starts once the loan is approved, not before.
What do I need to apply?+
Eligibility asks for a Spanish ID, either a DNI or an NIE, plus proof of income and a Spanish registered address. No guarantor and no collateral are needed, so there is nobody else to sign and no property to pledge. The credit check is hard, so the search is visible to other lenders.