Updated September 28, 2026 · SumCue Editorial Team
Prestamiau vs Que Prestamo
Prestamiau
Higher score in this comparison
Que Prestamo
Where Prestamiau and Que Prestamo differ
| Compare | PrestamiauReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| APR | MX$0 to MX$36 | 7% to 35% |
| Loan amount | MX$100 to MX$20,000 | €5,000 |
| Term | 3 to 4 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 MXN | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | Loan obtained in 5 minutes; full process under 30 minutes | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Lender type | Marketplace | Broker |
| Eligibility | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Origination fee (%) | 0%Lower | 3.5% |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Prestamiau scores higher overall: 8.7 vs 8.6.
- Prestamiau is available in 1 more country.
- Origination fee (%) is lower at Prestamiau: 0% vs 3.5%.
- Term is higher at Que Prestamo: 1 to 72 months vs 3 to 4 months.
- Loan types: only Prestamiau offers Debt consolidation.
Our verdict on each
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.
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 | Prestamiau | Que Prestamo |
|---|---|---|
| Cost | 9.7HigherAn 0 MXN arrangement fee and 0% on MXN 0 to MXN 36 keeps borrowing cheap. | 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 | 8.2 | 8.7Higher |
| Trust | 8.1 | 8.5Higher |
Choosing between them
Pick Prestamiau if cost, origination fee (%), and loan types matter most.
Pick Que Prestamo if offer, trust, and term matter most.
Positions in our rankings
| Ranking | Prestamiau | Que Prestamo |
|---|---|---|
| Loans | 7 of 2043 | 9 of 2043 |
| Personal loans | 4 of 1317 | 6 of 1317 |
Licences and countries
Available in 1 country for both. Additional countries for Prestamiau: 1.
What we checked
Prestamiau
- prestamiau.mx: 16 facts, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Prestamiau | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Leads for Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Support channels |
Where each stands against the rest
| Fact | Prestamiau | Que Prestamo | Median |
|---|---|---|---|
| Term | 3 to 4 monthslowest quarter | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%at the median | 3.5%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
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.
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
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.
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
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 | Prestamiau | Que Prestamo |
|---|---|---|
| Mexico | Yes | No |
| 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.
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.