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Prestamype review

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

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Our verdict

Prestamype lends directly against a property you already own, so the security on the loan comes from the house rather than the credit file, and no credit history is needed. Borrowers with a cleared property in the covered metropolitan areas can borrow PEN 15,000 to PEN 2,000,000 over 6 to 120 at a fixed rate.

Key facts

Best for
Homeowners in the covered Peruvian metropolitan areas wanting a secured loan against a fully cleared property.
Loan amount
PEN 15,000 to PEN 2,000,000↗
Term
6 to 120 months↗
Credit check
Soft prequal↗
Funding time
About 15 business days after all documents are delivered; you sign at a notary and receive the loan↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Own a property registered in SUNARP located in Lima Metropolitana, Callao, Arequipa Metropolitana or Trujillo Metropolitano; property must be fully cleared; loan from S/ 15,000; no credit history required↗
Loan types
Personal, Secured, Business, Debt-consolidation, Bridging↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Headquarters
Peru↗
Support channels
Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
prestamype.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Lending is secured on your property, so a poor credit history does not stand in the way
  • No credit history is required to apply
  • Fixed-rate lending over terms of 6 to 120
  • Covers personal, business, debt consolidation and bridging needs

Cons

  • Property must be registered with SUNARP in Lima Metropolitana, Callao, Arequipa Metropolitana or Trujillo Metropolitano and fully cleared
  • Funding waits on full document delivery and a notary signing before the money is released
  • Support runs on chat, phone and help centre
Prestamype

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Homeowners in Lima Metropolitana, Callao, Arequipa Metropolitana and Trujillo Metropolitano with a cleared property
  • Borrowers with no credit history who need a secured route to funds
  • People planning a long, fixed repayment on a larger amount

Who should look elsewhere

  • Renters and non homeowners, who have no property to offer as security
  • Borrowers outside the four listed metropolitan areas
  • Readers who need same day cash rather than a settled, documented process

Safety of your money

Prestamype is a direct lender, so the application and the loan sit with a single company rather than being passed on to a bank or a broker. It is listed on the UIF register in Peru under licence 20601802296, which gives a licence number to check against the register before documents are sent. The lender kind and the register entry are the two things to verify first.

Who runs it

Prestamype is based in Peru and is registered with the UIF under licence 20601802296, so the business can be checked against the Peruvian register before you apply. You reach the team on chat, phone and help centre, which covers live chat, phone and a self service help centre. As a direct lender, the same firm handles the application through to the notary signing.

How Prestamype compares

Where Prestamype is available

Available
Peru
Licence in Peru
UIF (Peru) (20601802296), checked September 26, 2026

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

Frequently asked questions

What does Prestamype lend against?+

Prestamype lends against a property that is already registered with SUNARP and fully cleared. The property has to sit in Lima Metropolitana, Callao, Arequipa Metropolitana or Trujillo Metropolitano, and the lending it secures runs PEN 15,000 to PEN 2,000,000 on 6 to 120. In practice an owned, cleared home is the entry ticket to the loan.

Do I need a credit history to get a Prestamype loan?+

No credit history is required, which is the clearest difference here. The credit check is soft prequal and the credit band that fits is poor, so a thin credit record does not close the door. Prestamype assesses the property you own alongside your file.

How much can I borrow and over what term?+

Loans run from PEN 15,000 to PEN 2,000,000 in sol, so the range is wide enough for a repair project or a business purchase. Repayment terms run 6 to 120, which lets you spread the cost over a long period. The rate is fixed, so the monthly figure does not drift with the market.

How long does the money take to arrive?+

Funding follows document delivery rather than arriving straight away, and part of the wait is the notary signing that happens before the loan is released. Whatever the amount you arrange under PEN 15,000 to PEN 2,000,000, the money is not available the day you apply, so plans should account for a wait rather than a same day payout.

Is Prestamype regulated?+

Prestamype appears on the UIF register in Peru under licence 20601802296. The UIF is the Peruvian authority named on that register, so the business can be checked before you hand over documents. It is also a direct lender, which means you deal with a single company rather than a broker.

How do I get help from Prestamype?+

Support runs on chat, phone and help centre, so you can reach the team by live chat, by phone or through the self service help centre. Phone and chat suit questions about an application in progress, while the help centre covers the process on your own. For a property backed loan, the notary signing is a fixed step in the route.

What can I use the money for?+

Prestamype covers a spread of needs rather than a single purpose, with personal, secured, business, debt consolidation and bridging lending all listed. Home improvement is the highlighted use case, home improvement. If you are consolidating other debts, the longer terms give some room to reduce monthly pressure.

Is Prestamype only for Lima?+

Only partly. The property decides. Eligibility names Lima Metropolitana, Callao, Arequipa Metropolitana and Trujillo Metropolitano, so a registered home in any of those areas can qualify for the secured lending in personal, secured and business. Outside those areas the property itself may not meet the requirement, so check your registration before applying.

Sources

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

Not confirmed yet: APR, Arrangement fee, Representative example.

Prestamype

Prestamype

Homeowners in the covered Peruvian metropolitan areas wanting a secured loan against a fully cleared property.

9.3/10See alternatives