Updated September 28, 2026 · SumCue Editorial Team
Mi Prestamo vs Prestamiau ES
Mi Prestamo
Higher score in this comparison
Prestamiau ES
What sets them apart
| Compare | Mi PrestamoReviewVisitVisit | Prestamiau ESReviewVisitVisit |
|---|---|---|
| APR | 23% | 0% to 36%Lower |
| Loan amount | €200 to €3,000 | €100 to €5,000Higher |
| Term | 2 to 12 monthsHigher | 3 to 6 months |
| 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) | 0 EUR |
| Funding time | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account | 5 minutes |
| Lender type | Direct lender | Broker |
| Eligibility | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | 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
- Mi Prestamo scores higher overall: 9.1 vs 9.0.
- APR is lower at Prestamiau ES: 0% to 36% vs 23%.
- Loan amount is higher at Prestamiau ES: €100 to €5,000 vs €200 to €3,000.
- Term is higher at Mi Prestamo: 2 to 12 months vs 3 to 6 months.
- Support channels: only Mi Prestamo offers Phone, Chat.
- Loan types: only Prestamiau ES offers Debt consolidation.
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.
Prestamiau ES
Prestamiau ES is a small, fast broker loan for adults in Spain who need a modest sum quickly, with an origination fee of 0 EUR and funding in 5 minutes. It suits urgent costs rather than planned borrowing, and the short term means the bill lands sooner than most.
Score breakdown
| Area | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Cost | 8.9APR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. | 9.9Higher |
| Offer | 9.0Higher | 8.6APR runs 0% to 36% with an origination fee of 0 EUR, and poor credit is accepted, though terms are short at 3 to 6. |
| Trust | 9.4Higher | 8.5 |
How they place
| Ranking | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Loans | 10 of 2043 | 6 of 2043 |
| Personal loans | 7 of 1317 | 3 of 1317 |
Ranges side by side
| Fact | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Loan amount | €200 to €3,000 | €100 to €5,000 |
| Term | 2 to 12 months | 3 to 6 months |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 23% for Mi Prestamo and 0% to 36% for Prestamiau ES.
FINANZCHECK.de reviewSources behind this comparison
Mi Prestamo
- mi-prestamo.es: 16 facts, checked September 26, 2026
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Easy Asset Management Iberia S.L. | Fininity OU |
| Headquarters | Spain | Estonia |
| Support channels | Phone, Chat, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Mi Prestamo | Prestamiau ES | Median |
|---|---|---|---|
| APR | 23%highest quarter | 0% to 36%lowest quarter | 9.99% |
| Loan amount | €200 to €3,000lowest quarter | €100 to €5,000below the median | €40,000 |
| Term | 2 to 12 monthslowest quarter | 3 to 6 monthslowest quarter | 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.
Prestamiau ES
Pros
- Money moves fast: funding takes 5 minutes and same day funding is listed.
- The origination fee is listed as 0 EUR, and the representative example shows nothing extra to repay on a small sum.
- A thin credit file is not an automatic no, since the stated credit bar is poor.
Cons
- The term is 3 to 6, so the balance has to clear quickly and there is little room for a quiet month.
- Phone is not among the support channels, which run on email and help centre, so a repayment problem has to be put in writing.
- As a broker, the lender and the final price are set by a partner rather than by the brand you applied through.
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.
Prestamiau ES
Who it suits
- Adults living in Spain with a stable income who need a small sum released fast for a bill or a repair.
- Borrowers with a thin credit history, since the stated credit bar is poor.
- People who want the origination fee held at 0 EUR and can handle a short repayment schedule.
Who should look elsewhere
- Anyone borrowing a larger balance: Creduma ES starts at from €12,000, well beyond the €100 to €5,000 offered here.
- Borrowers who want a long schedule to lighten the monthly bill, because the term here is 3 to 6.
- People who need to talk a problem through, since phone is not among the support channels listed, which are email and help centre.
Country by country
| Country | Mi Prestamo | Prestamiau ES |
|---|---|---|
| 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.
Prestamiau ES
What does a loan from Prestamiau ES cost?+
The origination fee is listed as 0 EUR, and the representative example shows a small sum repaid over a short period with nothing added in cost and nothing extra to repay. The published range is 0% to 36%, so what you actually pay depends on the offer you receive. Ask for the total repayable figure before you sign anything.
How fast will the money arrive?+
Funding takes 5 minutes, and same day funding is listed, so a bill or a repair that is already due does not have to wait. Speed is the clearest reason to pick this broker over a slower direct lender. It suits a fixed, near-term cost rather than a purchase you can time.