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Prestadito review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Prestadito is a US direct lender built for thin credit files. It lends $100 to $500, takes an arrangement fee of 0 USD and funds on Same day, approval in 30 minutes, so it suits borrowers who can supply ID, two bills and paystubs but cannot pass a credit score check.

Key facts

Best for
US borrowers with poor credit who can hand over documents and want money the same day.
Loan amount
$100 to $500↗
Term
3 months↗
Arrangement fee
0 USD↗
Funding time
Same day, approval in 30 minutes↗
Lender type
Direct lender↗
Eligibility
Valid ID, 2 bills and paystubs; vehicle title required for auto loans; credit score not considered↗
Loan types
Personal, Car, Secured↗
Credit needed
Poor↗
Legal entity
Crediflash LLC (DBA Prestadito)↗
Headquarters
United States↗
Support channels
Phone, Email↗
Features
Same-day funding
Official website
miprestadito.us

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • An arrangement fee of 0 USD, so nothing is added to the first payment
  • The credit score is not considered, and the lender serves poor credit files
  • Speed is the main selling point: Same day, approval in 30 minutes
  • Personal, car and secured lending from one direct lender, direct lender

Cons

  • Borrowing is capped at $100 to $500, far below the €2,630.21 typical upper end of the personal loan field
  • Support runs on phone and email only, with no live chat or help centre listed
  • Auto loans need a vehicle title, and every application wants a valid ID, two bills and paystubs
Prestadito

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • US borrowers whose credit score would stop them elsewhere, since the score is not considered
  • Car buyers who own the vehicle and can put the title up as security
  • Anyone who can send a valid ID, two bills and paystubs while a decision is made in minutes

Who should look elsewhere

  • Borrowers needing a large sum, since the ceiling is $100 to $500
  • Drivers without a clear vehicle title for an auto loan
  • People who want a broad panel of lenders, because Prestadito is a direct lender rather than a broker

Where it sits among rivals

On loan amount, Prestadito ranks 544 of 665 lenders in the comparison, well down the list. On term it sits at 195 of 226, also below the middle, so the repayment window is not its strength. Read those two positions together with the $100 to $500 ceiling: this is a short, small ticket lender rather than a long term one.

How Prestadito compares

Where Prestadito is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Prestadito?+

Loan amounts run from $100 to $500 for a standard personal loan. The lender also writes car and secured loans, and an auto loan additionally asks for the vehicle title. That ceiling is modest, so it fits a repair bill or a deposit rather than a major purchase.

What does a Prestadito loan cost?+

The arrangement fee is 0 USD, so there is no separate charge on top of the first payment. Interest across the wider personal loan field runs from 0.6% to 28%, so read the quote for your own loan rather than assume a rate.

Will I pass the credit check?+

The credit score is not considered, which is the point: the lender serves poor credit files. In its place, applicants need a valid ID, two bills and paystubs, and a vehicle title for an auto loan. Expect to send documents rather than wait on a scoring result.

How quickly will I get the money?+

Funding is Same day, approval in 30 minutes, and same-day funding is the feature the brand leads on. That speed depends on the paperwork being ready, so have your ID, bills and paystubs to hand before you start. Auto loans add a step, since the title has to be checked.

Is Prestadito a lender or a broker?+

It is a direct lender, so you deal with the company that lends rather than a panel being matched for you. The operating entity is Crediflash LLC (DBA Prestadito), based in the United States. The model covers personal, car and secured borrowing.

How do I get hold of Prestadito?+

Support runs on phone and email only, so you can call or write to the team. There is no live chat or on-site help centre listed, which is worth knowing if you prefer to work things out in writing before you call.

Who is this loan suited to?+

It fits US borrowers with a thin or damaged credit history, since the score is not weighed, and people who need cash quickly. The poor credit band is the target market, and secured and auto lending suits anyone holding a vehicle title. Borrowers with a strong file have more choice elsewhere.

Sources

  • miprestadito.us/about-us.html checked September 26, 2026

    Backs: Legal entity

    “Crediflash LLC | DBA Prestadito.”

  • miprestadito.us/contact-us.html checked September 26, 2026

    Backs: Support channels

    “Monday to Saturday from 9:00 AM to 6:00 PM +1 (786) 410-8478 sac@miprestadito.com”

  • miprestadito.us/index.html checked September 26, 2026

    Backs: Headquarters

    “Main Agency 17880 S Dixie Hwy, Miami, FL 33157”

  • miprestadito.us/personal-loans.html checked September 26, 2026

    Backs: Loan amount, Credit needed, Eligibility, Features, Funding time, Lender type, Loan types, Arrangement fee, Term

    “Easy Loan - We lend you from $100 to $500”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Prestadito

Prestadito

US borrowers with poor credit who can hand over documents and want money the same day.

9.1/10See alternatives