Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Me Presta MX
Andacredito vs Me Presta MX: the differences
| Compare |  Andacredito |  Me Presta MX |
|---|---|---|
| APR | 0% to 36% | 0% to 38% |
| Loan amount | €100 to €5,000 | MX$1,000 to MX$50,000 |
| Term | 2 to 3 months | 2 to 36 monthsHigher |
| Arrangement fee | 0 EUR | 0 MXN |
| Funding time | 10 minutes | Pocos minutos, en linea 24/7 |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | $10,000 pesos a una tasa anual del 12% con un plazo de pago de 6 meses, tu pago mensual será de $1,732.98, el reembolso total será de $10,397.88, con un CAT total de 12.001% |
| Lender type | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 18-70 anos, reside en MX (mexicano), cuenta bancaria CLABE a su nombre, celular y correo electronico |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday, Car |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Origination fee (%) (0%).
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Key differences
- Term is higher at Me Presta MX: 2 to 36 months vs 2 to 3 months.
- Loan types: only Andacredito offers Business, Student, Debt consolidation.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
Me Presta MX
Me Presta MX suits Mexican borrowers who want a small personal, payday or car loan set up online in a matter of minutes, with a headline rate that runs 0% to 38%. The trade-off is the marketplace setup, where a lender is matched to you, plus support that runs on email alone.
Score breakdown
| Area | Andacredito | Me Presta MX |
|---|---|---|
| Cost | 9.5 | 9.7HigherOrigination costs 0 MXN and the rate band 0% to 38% starts low but reaches past 24.92%, so cost depends on the match. |
| Offer | 8.3Higher | 8.2 |
| Trust | 8.3Higher | 8.1 |
How they place
| Ranking | Andacredito | Me Presta MX |
|---|---|---|
| Personal loans | 13 of 1932 | 42 of 1932 |
| Payday and short-term loans | 4 of 246 | 21 of 246 |
| Car loans | 3 of 431 | 10 of 431 |
Licences and countries
Additional countries for Andacredito: 1. Additional countries for Me Presta MX: 1.
Every fact side by side
| Fact | Andacredito | Me Presta MX |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | SIA DOAFF (reg. 40203426084) |
| Headquarters | Estonia | Latvia |
| Support channels |
Where each stands against the rest
| Fact | Andacredito | Me Presta MX | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 38%lowest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 2 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
Me Presta MX
Pros
- Origination costs nothing to arrange: the fee is 0 MXN and the fee percentage is 0%, so the rate is effectively the whole cost.
- Fast money, since funding is listed as Pocos minutos, en linea 24/7 and Me Presta MX carries the same day funding feature.
- Borrowing runs MXN 1,000 to MXN 50,000, well past the €876.96 typical amount in this comparison, so a repair bill and a larger cost both fit.
Cons
- Support runs on email only, so there is no phone line or live chat for an urgent payment problem.
- The band 0% to 38% is wide, and its expensive end sits above the 10% to 23% range at Monzo Flex, so an unlucky match is costly.
- As a marketplace the lender is chosen for you, so the rate on your offer is not the headline band and terms can differ between matches.
Who each suits
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
Me Presta MX
Who it suits
- Mexican residents of adult age with a CLABE bank account in their own name, a mobile number and an email, matching the eligibility set out.
- Borrowers with a car or home improvement plan, since the loan types listed are personal, payday and car and the stated use case is home improvement.
- Anyone shopping on total cost: with the origination fee at 0 MXN, the rate is the only thing that moves the repayment.
Who should look elsewhere
- Readers who want a narrower, lower rate band: Monzo Flex quotes 10% to 23%, a tighter range than 0% to 38%.
- Borrowers chasing the lowest headline rate in this group: Cashspace ES lists 0%.
- Anyone who wants to choose the lender rather than take a match: marketplace makes that choice for you, a different arrangement from Cashspace, whose band is PHP 12 to PHP 36.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Me Presta MX
Current offer
First period offer
Primer préstamo desde 0% de interés: CAT 0% en el primer préstamo
Some partner lenders offer 0% CAT on the first loan; stated overall CAT range 0% to 38%, term 61 days to 36 months
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Me Presta MX |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | No |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
Me Presta MX
What rate will I pay?+
The published band runs 0% to 38%, and the rate you receive depends on the lender you are matched with as a marketplace. The origination fee is 0 MXN, so the rate is effectively your total cost. Compare your own offer against the 12.25% median in the personal loans ranking before you accept it.
Is there a fee for taking the loan out?+
The origination fee is 0 MXN and the fee percentage is 0%, so arranging the loan adds nothing to the amount you borrow. The representative example on the brand shows the total repaid sitting only a little above the sum borrowed on a low annual rate. Interest on a short term is what keeps a small loan cheap.
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