Updated October 17, 2026 · SumCue Editorial Team
myKredit vs Prestamiau
myKredit
Prestamiau
Higher score in this comparison
myKredit vs Prestamiau: the differences
| Compare | myKreditReviewVisitVisit | PrestamiauReviewVisitVisit |
|---|---|---|
| Loan amount | €600 | MX$100 to MX$20,000 |
| Term | 30 monthsHigher | 3 to 4 months |
| Funding time | funds transferred within 10 minutes of approval | Loan obtained in 5 minutes; full process under 30 minutes |
| Eligibility | Adults with a valid DNI or NIE | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Payday | Personal, Debt consolidation |
| APR | Not confirmed | MX$0 to MX$36 |
| Arrangement fee | Not confirmed | 0 MXN |
| Credit check | None | Not confirmed |
| Representative example | Not confirmed | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Not confirmed | Marketplace |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Prestamiau scores higher overall: 8.7 vs 8.1.
- Prestamiau is available in 1 more country.
- Term is higher at myKredit: 30 months vs 3 to 4 months.
- Support channels: only myKredit offers Chat.
- Support channels: only Prestamiau offers Email.
- Loan types: only myKredit offers Payday.
- Loan types: only Prestamiau offers Personal, Debt consolidation.
Our verdict on each
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.
Prestamiau
Prestamiau suits Mexican borrowers with a poorer credit record who need a small sum in a hurry rather than a large balance. The rate runs MXN 0 to MXN 36, the arrangement fee is 0 MXN, and Loan obtained in 5 minutes; full process under 30 minutes gets money moving.
Score breakdown
| Area | myKredit | Prestamiau |
|---|---|---|
| Cost | Not confirmed | 9.7An 0 MXN arrangement fee and 0% on MXN 0 to MXN 36 keeps borrowing cheap. |
| Offer | 8.1 | 8.2Higher |
| Trust | Not confirmed | 8.1 |
How they place
| Ranking | myKredit | Prestamiau |
|---|---|---|
| Loans | 3 of 2043 | 7 of 2043 |
Licences and countries
Available in 1 country for both. Additional countries for Prestamiau: 1.
What we checked
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Prestamiau
- prestamiau.mx: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | myKredit | Prestamiau |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | Fininity OÜ |
| Headquarters | Not confirmed | Estonia |
| Support channels | Chat |
Where each stands against the rest
| Fact | myKredit | Prestamiau | Median |
|---|---|---|---|
| Term | 30 monthsbelow the median | 3 to 4 monthslowest quarter | 60 months |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
myKredit
Pros
- The captured policy identifies a website owner and trade name.
Cons
- The statement does not establish lending terms or regulatory status.
Prestamiau
Pros
- Arrangement fee of 0 MXN and 0% on personal loans, so setting up adds nothing.
- A rate of MXN 0 to MXN 36 places Prestamiau at position 1 of 338 on cost.
- Loan obtained in 5 minutes; full process under 30 minutes, so an urgent bill can be covered the same day.
Cons
- Support runs on email only, so a payment problem is sorted in writing.
- Terms of 3 to 4 leave a short window, so the balance must clear quickly.
- Borrowing stops at MXN 100 to MXN 20,000, far below larger facilities such as Creduma ES from from €12,000.
Who each suits
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
Prestamiau
Who it suits
- Adults in Mexico with their own bank account, a valid INE or IFE, a stable income, a phone and an email.
- Borrowers with poor credit, who make up 42.3% of the personal loan table.
- Anyone consolidating balances or funding a home project, given personal and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers after a large balance: Creduma ES starts at from €12,000, past the MXN 100 to MXN 20,000 ceiling here.
- Readers who want a narrow rate band: Sofkredit's 10.74% to 18.06% is tighter than MXN 0 to MXN 36.
- Anyone who prefers a rate with a clear floor: Cashspace at PHP 12 to PHP 36 starts well above the MXN 0 to MXN 36 floor here.
Current offers
Prestamiau
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)
New users only; representative example 1,000 MXN over 95 days, cost 0 MXN, total to repay 1,000 MXN, CAT 0%
Source, checked September 26, 2026
Country by country
| Country | myKredit | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | Yes |
Questions about each
Prestamiau
What does a Prestamiau loan cost?+
The quoted rate is MXN 0 to MXN 36 and the arrangement fee on a personal loan is 0 MXN. The representative example shows the cost as 0 MXN and the total to repay equal to the amount borrowed, so nothing is added to the smallest case. Because MXN 0 to MXN 36 spans a wide band, the rate on a real file is set from inside that range.
Is the lender regulated and is my money protected?+
Prestamiau is a marketplace, so the contract that matters is the one with the lender it introduces you to, and that lender sets the rate and takes the repayments. Any protection arrangement sits with that lender, not with the marketplace, so check the scheme named in the offer. As a wider backdrop, retail loss runs at a median 70.15% across the lenders covered here.
How quickly do I get the money?+
Loan obtained in 5 minutes; full process under 30 minutes, which sits at the quick end of the borrowing tables, with same day funding in the feature list to match. Speed matters most when a bill lands without warning, and the representative example describes a short loan suited to that kind of gap. Applicants need their own bank account to receive the funds.
How much can I borrow, and for how long?+
Loans run MXN 100 to MXN 20,000 and terms run 3 to 4, a short window on a small balance. That pairing suits an unexpected cost, a repair bill or a consolidation job rather than a planned purchase. If the sum needed sits above MXN 100 to MXN 20,000, a lender with a larger ceiling fits better, and the short term means the total clears quickly.