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Que Prestamo review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

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.

Key facts

Best for
Spanish residents needing a small personal loan funded the same day, with no guarantor.
APR
7% to 35%↗
Loan amount
€5,000↗
Term
1 to 72 months↗
Arrangement fee
3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity)↗
Funding time
Approval in 5 minutes, money in your account in 15 minutes↗
Representative example
5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE↗
Lender type
Broker↗
Eligibility
Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required↗
Origination fee (%)
3.5%↗
Loan types
Personal↗
Legal entity
Leads for Finance S.L.U.↗
Headquarters
Spain↗
Support channels
Email↗
Features
Same-day funding
Official website
queprestamo.com

Facts checked September 26, 2026, 2 sources

Pros and cons

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
  • The fee is a clear 3.5% of the loan amount, so the cost can be calculated before applying

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
  • Que Prestamo works as a broker, so a partner financial entity sets the rate on offer and the pricing sits outside the site's control
Que Prestamo

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Scored 8.6 / 10 by SumCue.

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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

Application and funding speed

Speed is the clearest draw here. Approval comes in Approval in 5 minutes, money in your account in 15 minutes, with same day funding listed among the features, which suits anyone who has to cover a bill or a repair without waiting for a pay day. The amounts on offer run up to €5,000, and terms stretch across 1 to 72, so a short repayment and a longer one are both on the table. Because Que Prestamo works as a broker, the clock starts with a credit decision from a partner lender rather than a decision by the site itself, so approval times are indicative rather than guaranteed. Applicants need a current account in their own name and an active mobile number before the payout can be made.

Rates and costs

The annual percentage rate runs 7% to 35% on personal loans, which is the single biggest number to weigh. The arrangement fee adds 3.5% of the loan amount, described as loan processing fees of the financial entity, and it is deducted from the disbursed amount rather than billed later. That deduction is the part that catches borrowers out: the amount landing in the account is smaller than the amount approved. The representative example takes €5,000 and shows a lower amount received, with a total repayable higher again once interest is added, priced at a yearly cost rate that sits inside the 7% to 35% range. On a balance like that, the gap between what arrives and what goes back is money on top of interest.

Deposit protection

The representative example is the clearest guide to what you really pay, and it shows a borrower receiving less than the loan amount and repaying more in total. Que Prestamo is a broker rather than the lender, so the money comes from a partner financial entity and the rate on offer is set by that partner. The example is priced at a yearly cost rate inside the 7% to 35% range, which suggests the top of that range is not the typical case. The product is a loan in flight rather than savings on deposit, so a deposit protection scheme has nothing to cover, and the facts state no safeguard for the money while it moves. For readers weighing safety, the questions that matter here are the fee taken off the disbursed amount and the rate on offer.

The company behind it

The site is operated by Leads for Finance S.L.U., which is registered in Spain, and the terms and conditions are published in Spanish. The company describes itself as a broker, which means it introduces applicants to financial entities rather than lending from its own balance. Personal loans are the only product listed, so there is no wider product set to compare it across. Contact runs through email alone, so anyone with a live question about a live loan or a fee needs to write in and wait for a written answer.

How Que Prestamo compares

Where Que Prestamo is available

Available
Spain

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

Frequently asked questions

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.

How fast is the money?+

Approval comes in Approval in 5 minutes, money in your account in 15 minutes, and same day funding is listed among the features. You need a current account in your own name and an active mobile number for the payout to reach you.

How much can I borrow and over how long?+

Personal loans run up to €5,000, with terms across 1 to 72. Personal loans are the only loan type listed, so there is no consolidation or car finance product to weigh it against.

Who can apply?+

Applicants must be adults with a valid DNI or NIE, a current account in their own name and an active mobile number, and they must reside in Spain. No guarantor is required, which is easier than a co signed loan.

Is Que Prestamo a lender or a broker?+

It is a broker, not a lender. That means the loan is arranged with a partner financial entity and the rate on offer is set by that partner, which is why the annual percentage rate of 7% to 35% is presented as a range.

What protection is there on the money?+

This is a personal loan arranged through a broker rather than money held on deposit, so a deposit protection scheme has nothing to cover here. The safety questions that matter are the fee of 3.5% taken off the disbursed amount and the rate of 7% to 35%.

How do I get hold of the company?+

Support runs on email only, so there is no phone or chat line listed. The operator is Leads for Finance S.L.U., registered in Spain, and questions about a live loan or fee need to be put in writing.

Sources

  • queprestamo.com checked September 26, 2026

    Backs: Loan amount, Eligibility, Features, Funding time, Arrangement fee, Origination fee (%), Representative example

  • queprestamo.com/legal/terms-and-conditions checked September 26, 2026

    Backs: APR, Headquarters, Legal entity, Lender type, Loan types, Support channels, Term

    “QuePrestamo ofrece prestamos personales flexibles”

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

Not confirmed yet: Credit check.

Que Prestamo

Que Prestamo

Spanish residents needing a small personal loan funded the same day, with no guarantor.

8.6/10Visit