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YotePresto MX review

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

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Our verdict

YotePresto MX is a Mexican lending marketplace for residents with a good credit history, lending for personal and debt consolidation at a fixed rate with free early repayment. The arrangement fee plus VAT is deducted from the funded amount and the credit check is hard, so the borrowing cost runs above the quoted rate.

Key facts

Best for
Fixed-rate personal and debt-consolidation loans for Mexican residents with a good credit score.
APR
8.9% to 38.9%↗
Loan amount
MX$10,000 to MX$425,000↗
Term
6 to 36 months↗
Arrangement fee
2.9% to 4.9% of the loan amount depending on credit rating, plus VAT, deducted from the funded amount↗
Credit check
Hard↗
Funding time
Credit proposal in 1 business day; investor funding takes 1 to 5 days on average (25 days maximum), then transfer to your account after you sign the contract↗
Representative example
MXN 425,000.00 loan at 18.6% annual fixed rate over 36 months, total payable MXN 567,026.99 excluding VAT; average CAT 26.2%↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
Yes↗
Eligibility
Resident in Mexico with proof of address, Mexican bank account in your own name, Mexican passport or permanent residency, income proof, good credit score and bureau history plus at least two years of credit experience↗
Origination fee (%)
2.9% to 4.9%↗
Loan types
Personal, Debt-consolidation↗
Credit needed
Good↗
Legal entity
Comunidad de Prestamos, S.A.P.I. de C.V., Institucion de Financiamiento Colectivo↗
Headquarters
Mexico↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
yotepresto.com

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • The rate is fixed on a fixed rate basis, so the monthly amount holds for the whole term.
  • It works as a marketplace, so a credit proposal is followed by investor funding and a transfer to your account.
  • Support runs on email, phone and help centre, and the lender works under CNBV authorisation with a CONDUSEF registration.

Cons

  • The arrangement fee of 2.9% to 4.9% plus VAT is deducted from the funded amount, so less cash reaches your account than you applied for.
  • The credit check is hard and the credit needed is good, so a thin credit history ends the application early.
  • Funding time runs from a credit proposal within a business day to investor funding over a few days, and the transfer follows the contract.
YotePresto MX

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Scored 8.6 / 10 by SumCue.

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Who it suits

  • Residents of Mexico with a bank account in their own name, proof of address, income proof and a good credit score with bureau history.
  • Borrowers after a fixed loan for personal use who can clear a hard credit check.
  • People who want free early repayment so they can clear the balance ahead of schedule.

Who should look elsewhere

  • Cashspace, if you would rather compare a PHP 12 to PHP 36 offer in another market than borrow in Mexico.
  • Sofkredit, if 10.74% to 18.06% pricing in its home market suits you better than 8.9% to 38.9% here.
  • Creduma ES, if a minimum amount of from €12,000 fits your plans better than MXN 10,000 to MXN 425,000 here.

How YotePresto MX compares

Where YotePresto MX is available

Available
Mexico
Licence in Mexico
CNBV (Comision Nacional Bancaria y de Valores) (P127/2021), checked September 26, 2026
Licence in Mexico
CONDUSEF (RECA #15876-456-036282/04-00903-0425 (Comision Mercantil)), checked September 26, 2026

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

Frequently asked questions

How much can I borrow from YotePresto MX, and over what term?+

YotePresto MX lends MXN 10,000 to MXN 425,000 over 6 to 36, covering personal and debt consolidation. The transfer to your Mexican bank account follows once investors have funded the loan and you have signed the contract, with the arrangement fee taken out of the funded amount first.

What rate do I pay on a YotePresto MX loan?+

The rate is fixed and the annual percentage rate runs 8.9% to 38.9%. Because the model is fixed rate, the monthly payment holds steady across the term rather than tracking a base rate, and your place in that range follows your credit rating.

What fees does YotePresto MX charge?+

There is an arrangement fee of 2.9% to 4.9% of the loan amount, set by your credit rating, plus VAT. It is taken once at the start rather than as a monthly charge, and it comes out of the funded amount before the money is transferred.

What credit history do I need to be approved?+

The credit check is hard and the credit needed is good. You also need to be a resident of Mexico with proof of address, a Mexican bank account in your own name, a Mexican passport or permanent residency, income proof, and bureau history.

How long does it take to get the money?+

A credit proposal comes within a business day, and investor funding then takes a few days on average, with a longer wait in the worst case. You sign the contract once the money is funded, so a MXN 10,000 to MXN 425,000 loan lands in your account over several days.

Can I repay a YotePresto MX loan early?+

Yes. Early repayment is free, so a fixed loan can be cleared before the end of its term without an early settlement charge. That leaves room to pay down the balance sooner if your income improves, and the agreed monthly amounts run until you make the extra payment.

How do I get help from YotePresto MX?+

Support runs on email, phone and help centre, so a question can go by email, by phone or through the help centre. For an application in progress, those routes are the way to check on the credit proposal and the investor funding that follows it.

Sources

  • yotepresto.com checked September 26, 2026

    Backs: APR, Eligibility, Representative example, Support channels, Licences

    “Atencion a clientes Correo: info@yotepresto.com Telefono: 33 1930 4700”

  • yotepresto.com/simulador-de-prestamos checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Free early repayment, Funding time, Lender type, Loan types, Rate type, Term

  • yotepresto.com/tasas-comisiones checked September 26, 2026

    Backs: Headquarters, Legal entity, Pricing model, Arrangement fee, Origination fee (%)

    “Calificaciones A1 - A3 2.90% A4 - A7 3.90% B1 - C 4.90%”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

YotePresto MX

YotePresto MX

Fixed-rate personal and debt-consolidation loans for Mexican residents with a good credit score.

8.6/10See alternatives