Updated September 28, 2026 · SumCue Editorial Team
Mi Prestamo vs Que Prestamo
Mi Prestamo
Higher score in this comparison
Que Prestamo
What sets them apart
| Compare | Mi PrestamoReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| APR | 23% | 7% to 35%Lower |
| Loan amount | €200 to €3,000 | €5,000Higher |
| Term | 2 to 12 months | 1 to 72 monthsHigher |
| 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) | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account | Approval in 5 minutes, money in your account in 15 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, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 3.5% |
Same on both: Loan types (Personal).
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Key differences
- Mi Prestamo scores higher overall: 9.1 vs 8.6.
- APR is lower at Que Prestamo: 7% to 35% vs 23%.
- Loan amount is higher at Que Prestamo: €5,000 vs €200 to €3,000.
- Term is higher at Que Prestamo: 1 to 72 months vs 2 to 12 months.
- Support channels: only Mi Prestamo offers Phone, Chat, Help centre.
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.
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 | Mi Prestamo | Que Prestamo |
|---|---|---|
| Cost | 8.9HigherAPR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. | 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 | 9.0Higher | 8.7 |
| Trust | 9.4Higher | 8.5 |
Sources behind this comparison
Mi Prestamo
- mi-prestamo.es: 16 facts, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
How they place
| Ranking | Mi Prestamo | Que Prestamo |
|---|---|---|
| Loans | 10 of 2043 | 9 of 2043 |
| Personal loans | 7 of 1317 | 6 of 1317 |
Every fact side by side
| Fact | Mi Prestamo | Que Prestamo |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Easy Asset Management Iberia S.L. | Leads for Finance S.L.U. |
| Headquarters | Spain | Spain |
| Support channels | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Mi Prestamo | Que Prestamo | Median |
|---|---|---|---|
| APR | 23%highest quarter | 7% to 35%below the median | 9.99% |
| Loan amount | €200 to €3,000lowest quarter | €5,000below the median | €40,000 |
| Term | 2 to 12 monthslowest quarter | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 3.5%highest quarter | 0% |
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.
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
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.
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 | Mi Prestamo | Que Prestamo |
|---|---|---|
| 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.
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.