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Préztamos review

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

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Our verdict

Préztamos is a Panamanian loan marketplace that matches adults with personal loans from several lenders, and it charges an origination fee of 0. It suits people with an ID and verifiable income who can plan around a hard credit check and a wait of Hours to several days, depending on the lender.

Key facts

Best for
Panamanian adults with verifiable income who want to compare personal loan lenders side by side.
Arrangement fee
0↗
Credit check
Hard↗
Funding time
Hours to several days, depending on the lender↗
Lender type
Marketplace↗
Eligibility
Valid Panamanian ID (cedula) and verifiable income proof; no minimum age stated↗
Loan types
Personal↗
Credit needed
Poor↗
Headquarters
Panama↗
Support channels
Chat↗
Official website
preztamos.com

Facts checked September 26, 2026, 2 sources

Pros and cons

Pros

  • The origination fee is 0, which keeps the cost of starting an application to a minimum.
  • Lending is limited to personal loans, so the choice on offer stays easy to read.
  • A poor credit history is accepted, which widens the pool of people who can apply.
  • Help is available on chat, so questions can be picked up without leaving the service.

Cons

  • Applications run a hard credit check, and a decline can leave a mark on your file.
  • Support runs on chat only, so there is no phone or email route when an application stalls.
  • Funding takes Hours to several days, depending on the lender, so a same-day emergency will not be solved here.
Préztamos

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Scored 8.1 / 10 by SumCue.

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Who it suits

  • Panamanian residents with a cedula and verifiable income who would rather compare lenders than go direct to a bank
  • Borrowers with a poor credit history who can still show regular income
  • People who want to start without an upfront cost, since the origination fee is 0

Who should look elsewhere

  • Anyone who needs cash today: Cashspace funds within minutes and most approved applicants receive the money the same day, while Préztamos takes Hours to several days, depending on the lender.
  • People who want a service that never charges upfront: Creduma ES takes no advance commissions and no initial payments, with fees only when a real solution is obtained.
  • Borrowers who would rather have the lender's commission built into the deal: on Sofkredit the fees sit with the collaborating lender on mortgage-guaranteed loans, and Sofkredit's own service costs the user nothing.

The company behind it

Préztamos is based in Panama, so it serves a single domestic market rather than a spread of countries. Day to day contact is handled on chat, which keeps help quick and written but narrow: there is no phone line and no email channel listed. Applications, documents and repayment questions all go through the same chat route.

How Préztamos compares

Where Préztamos is available

Available
Panama

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

Frequently asked questions

What is Préztamos and where does it operate?+

Préztamos is a marketplace based in Panama, which means it puts a borrower in front of several lenders rather than lending the money itself. The scope is personal loans, and applications, offers and repayments all run through the service in that market.

Does it cost anything to arrange a loan?+

The origination fee is 0, so arranging a personal loan carries no upfront charge. Repayment terms, including interest and any monthly cost, are set by the lender you are matched with, so the final price depends on which offer reaches you.

How long does it take to get the money?+

Funding runs Hours to several days, depending on the lender, which is a window rather than a fixed date. A same-day payout cannot be assumed, so plan around the slower end of that range if the loan covers something urgent.

What credit check will I go through?+

Applications carry a hard credit check, and the level of credit history the service works with is poor. Lenders will therefore look closely at existing debt, and a refusal can be recorded on your file.

What kind of loan can I get?+

The lending is personal, so this is about a personal loan rather than a mortgage, a car loan or a revolving credit line. If you need a loan secured against an asset, or a facility that renews, a different kind of provider fits better.

How do I get help?+

Support runs on chat, so all contact happens in the chat channel. There is no phone line or email route listed, which matters if you need to settle a payment date or a document request quickly.

Sources

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Term, Representative example.

Related by the facts

Préztamos

Préztamos

Panamanian adults with verifiable income who want to compare personal loan lenders side by side.

8.1/10See alternatives