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Prestamo365 review

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

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Our verdict

Prestamo365 suits Peru residents who need a small personal loan settled quickly, and nobody else. It lends directly under a Peruvian banking regulator authorisation, funds in Less than 24 business hours, and charges up to 730% over 2 to 3, which makes it a short, costly product to treat with care.

Key facts

Best for
A small, short term personal loan for a Peru resident who needs cash quickly.
APR
up to 730%↗
Loan amount
PEN 100 to PEN 1,500↗
Term
2 to 3 months↗
Arrangement fee
S/ 70.80 administrative fee on a S/ 400, 90-day loan; varies by amount, disclosed before contract acceptance↗
Credit check
Hard↗
Funding time
Less than 24 business hours↗
Representative example
Borrow S/400 for 90 days, repay S/569.99 in total, TCEA 621%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Peru residents aged 22-80 with DNI or Carnet de Extranjeria, own bank account and own mobile line↗
Loan types
Personal↗
Credit needed
Fair↗
Legal entity
TUMI SOLUCIONES S.A.C.↗
Headquarters
Peru↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
prestamo365.pe

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Free early repayment, so settling the balance sooner adds no charge
  • Same day funding with a stated Less than 24 business hours for disbursement
  • A direct lender offering direct lender fixed rate personal loans
  • Support runs on email, phone and help centre

Cons

  • Costs are heavy: the rate reaches up to 730%, and the example of Borrow S/400 for 90 days, repay S/569.99 in total, TCEA 621% repays far more than the amount borrowed
  • Terms are brief, 2 to 3, so interest and fees weigh heavily on every payment
  • Applications face a hard credit check and expect fair credit
Prestamo365

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Adult Peru residents holding a DNI or carnet de extranjeria, with their own bank account and mobile line, inside the published age range
  • Borrowers who can clear the repayments on a small fixed rate loan and want to repay early at no extra cost
  • People who need money in Less than 24 business hours rather than a long arranged loan

Who should look elsewhere

  • Borrowers chasing a cheaper rate, since Cashspace lists PHP 12 to PHP 36 against up to 730% here
  • Borrowers after a larger sum, since Creduma ES starts at from €12,000, a different scale from PEN 100 to PEN 1,500
  • Readers who prefer a conventional personal loan market, where Sofkredit sits at 10.74% to 18.06%, near the 14.43% median

Deposit protection

Prestamo365 is a direct lender rather than a broker, so the decision and the contract sit with one firm. Its authorisation comes from the Peruvian banking, insurance and pension fund regulator under Resolución SBS N° 01239-2025. The representative example, Borrow S/400 for 90 days, repay S/569.99 in total, TCEA 621%, shows what a loan of this shape costs in total and why the annual rate runs so high.

How Prestamo365 compares

Where Prestamo365 is available

Available
Peru
Licence in Peru
Superintendencia de Banca, Seguros y AFP (SBS) (Resolución SBS N° 01239-2025), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a Prestamo365 personal loan?+

Rates are fixed and the advertised ceiling is up to 730%, which sits far above what most personal loan markets quote. The representative example, Borrow S/400 for 90 days, repay S/569.99 in total, TCEA 621%, shows a small loan costing well over the amount borrowed once interest and fees are added.

How much can I borrow and over what period?+

Loan amounts run PEN 100 to PEN 1,500 and terms are short, 2 to 3. That pairing points to a bridge for an expense between paydays rather than a planned purchase, and anyone wanting a longer repayment needs a different lender.

What fees will I be charged?+

An administrative fee is added, and the amount depends on what you borrow, with the figure disclosed before you accept the contract. The example in Borrow S/400 for 90 days, repay S/569.99 in total, TCEA 621% shows the fee built into the total repayable, so read the full number before signing.

Does the application involve a credit check?+

Yes. A hard credit check is run and the stated expectation is fair credit. Because the search is full, it is worth checking your own position first and only applying when the numbers look workable.

Is Prestamo365 regulated?+

It operates under the Peruvian banking, insurance and pension fund regulator, with the authorisation recorded as Resolución SBS N° 01239-2025. It lends as a direct lender rather than passing you to another firm, so the contract is with the same party that decides.

Who can apply?+

Applicants must be residents of Peru who hold a DNI or a carnet de extranjeria, have their own bank account and their own mobile line, and fall inside the published age range. That rules out anyone relying on a shared account.

How quickly will the money arrive?+

Funding is advertised as same day funding, with a stated Less than 24 business hours for disbursement. Plan around the stated window rather than the marketing line, since the money lands in a bank account rather than on a card you can spend at once.

Can I repay the loan early?+

Yes, early repayment is free, so clearing the balance sooner does not add a charge. On a fixed rate product that keeps the total cost predictable and also shortens the period in which interest builds up.

Sources

  • affbank.com/offer/7145313-prestamo365-pe-cps-issued checked September 26, 2026

    Backs: Eligibility

    “between 22 and 80 years old; with National Identity Document (DNI) or Foreigner's Card; with an active personal bank account; with an own cell phone number”

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: APR, Arrangement fee, Representative example, Support channels, Term

    “Annual Effective Cost Rate (TCEA / APR equivalent): up to 730% depending on the loan profile”

  • prestamo365.pe checked September 26, 2026

    Backs: Loan amount, Credit needed, Funding time, Licences

  • prestamo365.pe/sobre-nosotros checked September 26, 2026

    Backs: Features

  • prestamo365.pe/terminos-y-condiciones checked September 26, 2026

    Backs: Credit check, Free early repayment, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Prestamo365

Prestamo365

A small, short term personal loan for a Peru resident who needs cash quickly.

9.2/10See alternatives