Updated October 14, 2026 · BorrowCue Editorial Team
Credityes vs Mi Prestamo
What sets them apart
| Compare |  Credityes |  Mi Prestamo |
|---|---|---|
| APR | 0% to 48%Lower | 23% |
| Loan amount | ₱1,000 to ₱25,000 | €200 to €3,000 |
| Term | 2 to 36 monthsHigher | 2 to 12 months |
| Arrangement fee | 0 PHP | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) |
| Funding time | A few minutes after confirmation | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account |
| Lender type | Broker | Direct lender |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address |
| Credit check | Not confirmed | Hard |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Loan types (Personal).
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Key differences
- Mi Prestamo scores higher overall: 9.0 vs 8.9.
- APR is lower at Credityes: 0% to 48% vs 23%.
- Term is higher at Credityes: 2 to 36 months vs 2 to 12 months.
- Support channels: only Mi Prestamo offers Phone, Chat.
Our verdict on each
Credityes
Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.
Mi Prestamo
Mi Préstamo offers consumer credit in Spain, with the captured pages describing a monthly installment product from EUR 200 to EUR 3,000 over two to twelve months. A separate example shows very high annualized cost figures and fees. Compare the full repayment amount before applying.
Score breakdown
| Area | Credityes | Mi Prestamo |
|---|---|---|
| Cost | 9.9Higher | 8.8 |
| Offer | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
Availability and regulation
Additional countries for Credityes: 1. Additional countries for Mi Prestamo: 1.
Ranges side by side
| Fact | Credityes | Mi Prestamo |
|---|---|---|
| Term | 2 to 36 months | 2 to 12 months |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 48% for Credityes and 23% for Mi Prestamo.
FINANZCHECK.de reviewWhere these facts come from
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
Mi Prestamo
- mi-prestamo.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Credityes | Mi Prestamo |
|---|---|---|
| Personal loans | 8 of 1920 | 7 of 1920 |
Every fact side by side
| Fact | Credityes | Mi Prestamo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Easy Asset Management Iberia S.L. |
| Headquarters | Latvia | Spain |
| Support channels | Email, Help centre | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes | Mi Prestamo | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 23%highest quarter | 8.99 |
| Term | 2 to 36 monthsbelow the median | 2 to 12 monthslowest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Credityes
Pros
- The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
- Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
- Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
Cons
- The APR reaches 0% to 48%, well above the site median of 12% for personal loans
- Debt consolidation and credit lines are not among its loan types, which are personal
- A phone line is not among its support channels, which run email and help centre
Mi Prestamo
Pros
- The monthly loan page lists an amount range and repayment term range.
- It says applicants can request online or by phone.
Cons
- The captured example displays a 3,330.50 percent annual rate and multiple fees.
- The pages do not provide enough information to calculate every borrower’s personalized total cost.
Who each suits
Credityes
Who it suits
- Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
- Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
- People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee
Who should look elsewhere
- Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
- Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
- Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%
Mi Prestamo
Who it suits
- Adults in Spain comparing a short term installment loan.
Who should look elsewhere
- Anyone unable to repay under the offered schedule or looking for low cost long term credit.
Current offers
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Credityes | Mi Prestamo |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Credityes
What does a Credityes personal loan cost in total?+
Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.
Is Credityes a lender or a broker?+
Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.
Mi Prestamo
What range does the monthly loan page show?+
It lists EUR 200 to EUR 3,000 over two to twelve months.
What should I check before accepting?+
Check the personalized annual cost, every fee, the payment dates and the total amount payable in the contract.