Updated October 17, 2026 · SumCue Editorial Team
myKredit vs Que Prestamo
myKredit
Que Prestamo
Higher score in this comparison
What sets them apart
| Compare | myKreditReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| Loan amount | €600 | €5,000Higher |
| Term | 30 months | 1 to 72 monthsHigher |
| Funding time | funds transferred within 10 minutes of approval | Approval in 5 minutes, money in your account in 15 minutes |
| Eligibility | Adults with a valid DNI or NIE | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Loan types | Payday | Personal |
| APR | Not confirmed | 7% to 35% |
| Arrangement fee | Not confirmed | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Credit check | None | 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 |
| Lender type | Not confirmed | Broker |
| Origination fee (%) | Not confirmed | 3.5% |
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Key differences
- Que Prestamo scores higher overall: 8.6 vs 8.1.
- Loan amount is higher at Que Prestamo: €5,000 vs €600.
- Term is higher at Que Prestamo: 1 to 72 months vs 30 months.
- Support channels: only myKredit offers Chat.
- Support channels: only Que Prestamo offers Email.
- Loan types: only myKredit offers Payday.
- Loan types: only Que Prestamo 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.
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 | myKredit | Que Prestamo |
|---|---|---|
| Cost | Not confirmed | 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 | 8.1 | 8.7Higher |
| Trust | Not confirmed | 8.5 |
Positions in our rankings
| Ranking | myKredit | Que Prestamo |
|---|---|---|
| Loans | 3 of 2043 | 9 of 2043 |
Licences and countries
Available in 1 country for both.
Where these facts come from
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | myKredit | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | Leads for Finance S.L.U. |
| Headquarters | Not confirmed | Spain |
| Support channels | Chat |
Where each stands against the rest
| Fact | myKredit | Que Prestamo | Median |
|---|---|---|---|
| APR | Not confirmed | 7% to 35%below the median | 9.99 |
| Loan amount | €600lowest quarter | €5,000below the median | €40,000 |
| Term | 30 monthsbelow the median | 1 to 72 monthsabove the median | 60 months |
| Origination fee (%) | Not confirmed | 3.5%highest quarter | 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.
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
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
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 | myKredit | Que Prestamo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
How fast is the money?+
Approval comes in Approval in 5 minutes, money in your account in 15 minutes, and same day funding is listed among the features. You need a current account in your own name and an active mobile number for the payout to reach you.
How much can I borrow and over how long?+
Personal loans run up to €5,000, with terms across 1 to 72. Personal loans are the only loan type listed, so there is no consolidation or car finance product to weigh it against.