Updated October 17, 2026 · SumCue Editorial Team
myKredit vs Prestapuffin
myKredit
Prestapuffin
Higher score in this comparison
Where myKredit and Prestapuffin differ
| Compare | myKreditReviewVisitVisit | PrestapuffinReviewVisitVisit |
|---|---|---|
| Loan amount | €600 | €100 to €5,000Higher |
| Term | 30 months | 2 to 60 monthsHigher |
| Funding time | funds transferred within 10 minutes of approval | Deposited straight to your bank account immediately |
| Eligibility | Adults with a valid DNI or NIE | Residents of Spain aged 18-80 with email address and mobile number |
| Loan types | Payday | Personal |
| APR | Not confirmed | 0% to 36% |
| Arrangement fee | Not confirmed | 0 EUR (no commissions) |
| Credit check | None | Not confirmed |
| Representative example | Not confirmed | EUR 1,000 loan over 24 months at 35% fixed annual interest, monthly payment about EUR 58.52, total about EUR 1,404.45 |
| Rate type | Not confirmed | Fixed |
| Lender type | Not confirmed | Broker |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Fair |
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
- Prestapuffin scores higher overall: 8.9 vs 8.1.
- Loan amount is higher at Prestapuffin: €100 to €5,000 vs €600.
- Term is higher at Prestapuffin: 2 to 60 months vs 30 months.
- Support channels: only myKredit offers Chat.
- Support channels: only Prestapuffin offers Email.
- Loan types: only myKredit offers Payday.
- Loan types: only Prestapuffin offers Personal.
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.
Prestapuffin
Prestapuffin suits Spanish residents who want a fixed rate personal loan of €100 to €5,000, funded into the bank account immediately with 0 EUR (no commissions) to arrange. Its rate of 0% to 36% runs wider than the site median 15.5%, and the firm is a broker, not the lender.
Score breakdown
| Area | myKredit | Prestapuffin |
|---|---|---|
| Cost | Not confirmed | 9.7 |
| Offer | 8.1 | 8.4Higher |
| Trust | Not confirmed | 8.5 |
Where they rank in our lists
| Ranking | myKredit | Prestapuffin |
|---|---|---|
| Loans | 3 of 2043 | 8 of 2043 |
A third option
Oney Prestamos has loan amount at €1,000 to €45,000, against €600 for myKredit and €100 to €5,000 for Prestapuffin.
Oney Prestamos reviewSources behind this comparison
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Prestapuffin
- prestapuffin.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | myKredit | Prestapuffin |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | Atlantix Media Inc |
| Headquarters | Not confirmed | Canada |
| Support channels | Chat |
Where each stands against the rest
| Fact | myKredit | Prestapuffin | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 9.99 |
| Loan amount | €600lowest quarter | €100 to €5,000below the median | €40,000 |
| Term | 30 monthsbelow the median | 2 to 60 monthsat the median | 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.
Prestapuffin
Pros
- Arranging the loan costs 0 EUR (no commissions), so nothing is taken for setting it up.
- The rate is fixed, so the instalment does not move with the market.
- Funding is quick: Deposited straight to your bank account immediately.
Cons
- The top of 0% to 36% sits above the site median 15.5%, so a longer term carries more interest than a tighter band would.
- Support runs on email only, so there is no phone line for a borrower who cannot resolve a written thread.
- Being a broker means the contract and the credit decision sit with a partner rather than with the company you apply to.
Who each suits
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
Prestapuffin
Who it suits
- Spanish residents within a stated age band who hold an email address and a mobile number, as the eligibility rule requires.
- Borrowers with fair credit who want a fixed rate instalment loan rather than a revolving credit line.
- People who need the money the same day: Deposited straight to your bank account immediately.
Who should look elsewhere
- Anyone borrowing a large sum: Creduma ES works at from €12,000, well above the €100 to €5,000 ceiling here.
- Rate shoppers: Sofkredit lends at 10.74% to 18.06%, below the top of Prestapuffin's 0% to 36%.
- Borrowers living outside Spain, where Cashspace lends in Philippine pesos at PHP 12 to PHP 36 and Prestapuffin's eligibility covers residents of Spain only.
Country by country
| Country | myKredit | Prestapuffin |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Prestapuffin
What rate will I pay on a Prestapuffin loan?+
The rate is 0% to 36% and it is fixed, so the instalment holds steady instead of moving with the market. Setting the loan up costs 0 EUR (no commissions), which leaves interest as the only charge. The published example shows monthly instalments at a fixed annual rate and a total repaid above the amount lent.
What will a loan cost me in total?+
Interest is the cost here and the annual rate is 0% to 36%. The example the company publishes runs at a fixed annual interest rate, repaid in equal monthly instalments, with the total repaid higher than the amount borrowed. Work that total out over 2 to 60 of instalments before you commit, because a longer term carries more interest on the same balance.
How much can I borrow and over what term?+
Loans run €100 to €5,000 and terms run 2 to 60. A small balance with a wide choice of lengths lets a borrower match a monthly pay cycle or spread the cost across years. The product is limited to personal lending, so it is not a route to a car, a home deposit or a debt consolidation balance.
Is that a big loan?+
Loans run €100 to €5,000 and the product is personal lending only. Against the field here, Prestapuffin ranks 511 of 665 on loan amount, so this sits near the small end. Treat it as cover for a single expense or a repair, not for a car, a home deposit or a balance transfer.