Updated September 29, 2026 · BorrowCue Editorial Team
Credityes ES vs Prestamiau
Where Credityes ES and Prestamiau differ
| Compare |  Credityes ES |  Prestamiau |
|---|---|---|
| APR | 0% to 36% | MX$0 to MX$36 |
| Loan amount | €100 to €5,000 | MX$100 to MX$20,000 |
| Term | 2 to 36 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 0 MXN |
| Funding time | Money in a few minutes after a positive decision | Loan obtained in 5 minutes; full process under 30 minutes |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Broker | Marketplace |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Personal, Payday | Personal, Debt consolidation |
| Credit needed | Not confirmed | Poor |
Same on both: Origination fee (%) (0%), Use cases (Home improvement).
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Key differences
- Credityes ES scores higher overall: 8.8 vs 8.7.
- Prestamiau is available in 1 more country.
- Term is higher at Credityes ES: 2 to 36 months vs 3 to 4 months.
- Loan types: only Credityes ES offers Payday.
- Loan types: only Prestamiau offers Debt consolidation.
Our verdict on each
Credityes ES
Credityes ES suits borrowers in Spain who want a personal or payday loan with no arrangement fee and money in minutes of a decision, with rates of 0% to 36% set by the match. The trade-off is a modest ceiling of €100 to €5,000 and a broker model, so the lender sets the final rate.
Prestamiau
Prestamiau suits borrowers in Mexico who need a small personal or debt consolidation loan released quickly and can live with a very short repayment window. Its case rests on cost and speed: an origination fee of 0 MXN and funding where Loan obtained in 5 minutes; full process under 30 minutes.
Score breakdown
| Area | Credityes ES | Prestamiau |
|---|---|---|
| Cost | 9.7Arrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. | 9.7The origination fee is 0 MXN and the fee percentage is 0%, and the representative example shows the total repayable matching the sum borrowed. |
| Offer | 8.3Higher | 8.2 |
| Trust | 8.3Higher | 8.1 |
Ranges side by side
| Fact | Credityes ES | Prestamiau |
|---|---|---|
| Term | 2 to 36 months | 3 to 4 months |
Availability and regulation
Available in 1 country for both. Additional countries for Prestamiau: 1.
How they place
| Ranking | Credityes ES | Prestamiau |
|---|---|---|
| Personal loans | 9 of 1932 | 4 of 1932 |
| Home improvement loans | 6 of 562 | 4 of 562 |
Every fact side by side
| Fact | Credityes ES | Prestamiau |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Fininity OÜ |
| Headquarters | Latvia | Estonia |
| Support channels |
Where each stands against the rest
| Fact | Credityes ES | Prestamiau | Median |
|---|---|---|---|
| Term | 2 to 36 monthsbelow the median | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, because no commission is charged for selecting the loan, so nothing is added for putting it together.
- Rates of 0% to 36% start lower than Monzo Flex, which publishes a band of 10% to 23%.
- The representative example shows the total repayable equal to the amount borrowed, so the cheapest match costs nothing to carry.
Cons
- As a broker, Credityes ES leaves the final rate to the partner lender, so the published 0% to 36% is a starting point rather than an offer.
- Borrowing tops out at €100 to €5,000, well below the largest personal loan recorded on the site, €653,159.33.
- Support runs on email only, so a payment problem waits on a written reply instead of a phone line.
Prestamiau
Pros
- The origination fee is 0 MXN and the fee percentage is 0%, so the cost of taking out a personal or debt consolidation loan is low on paper.
- Funding is quick, with Loan obtained in 5 minutes; full process under 30 minutes, and same-day funding is listed as a feature.
- The rate is MXN 0 to MXN 36 against a site median of 12%, and the brand holds position 1 of 350 on rate.
Cons
- Repayment sits in 3 to 4, so the cost of the credit lands in a very short window.
- Support runs on email only, so a question about a repayment date waits on an email reply.
- The lender kind is marketplace, so the rate and amount you receive depend on the offers available when you apply rather than on a single named lender.
Who each suits
Credityes ES
Who it suits
- Borrowers living in Spain who need a personal or payday loan and want nothing added for the arrangement, provided they hold a bank account in their own name.
- Anyone covering a home improvement, since home improvement is listed among the uses.
- Cost-first readers who look at the total repayable before anything else, because the representative example shows nothing added to the amount borrowed.
Who should look elsewhere
- Not for a major renovation, where the ceiling of €100 to €5,000 falls well short of the largest personal loans on the site, €653,159.33, so a larger lender such as Monzo Flex is the fairer place to look.
- Not for a long repayment, because terms of 2 to 36 end well before the longest personal loans in the ranking, 480, so a longer provider is worth comparing first.
- Not for shoppers who want several rate bands side by side, since Cashspace sets out PHP 12 to PHP 36 while this service publishes a single range of 0% to 36%.
Prestamiau
Who it suits
- Adults resident in Mexico with their own bank account, a valid INE/IFE and a stable income, who need money quickly rather than a large sum.
- Borrowers with a thin credit file, since the credit needed is poor.
- People consolidating debt or covering a home improvement job, since the loan types are personal and debt consolidation and the listed use is home improvement.
Who should look elsewhere
- Anyone wanting a long repayment schedule: the term is 3 to 4, and Monzo Flex is the comparison for lending spread over a longer window.
- Borrowers who want to raise a query by phone or in a live chat: support runs on email only.
- Anyone after a large loan: the amount available runs MXN 100 to MXN 20,000 and the brand sits at 676 of 685 on amount.
Current offers
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Prestamiau
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)
New users only; representative example 1,000 MXN over 95 days, cost 0 MXN, total to repay 1,000 MXN, CAT 0%
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | Yes |
Questions about each
Credityes ES
Is there an arrangement fee or commission at Credityes ES?+
No. The arrangement fee is free for the customer, because the service charges no commission for selecting the loan, and the origination charge of 0% does not add to what you repay. What you see on an offer is interest set by the partner lender inside the published band of 0% to 36%.
What rate will I actually pay?+
The service publishes rates of 0% to 36% for personal and payday borrowing, and as a broker it sets a band rather than a single figure. The rate on your offer comes from the partner lender you are matched with. The representative example shows the cheapest end of that range, where the total repayable equals the amount borrowed.
Prestamiau
What does a Prestamiau loan cost?+
The APR is MXN 0 to MXN 36 and the origination fee is 0 MXN, with a fee percentage of 0%. The representative example shows the total repayable equal to the amount borrowed, so nothing is added in the example. Read that alongside the repayment window, because a short schedule keeps the overall cost small.
How long does it take to get the money?+
Funding is fast: Loan obtained in 5 minutes; full process under 30 minutes, and same-day funding is listed as a feature. You need your own bank account for the payout, so the money goes straight to an account you already hold. That makes it practical for an urgent bill rather than a planned purchase.