Updated September 29, 2026 · BorrowCue Editorial Team
Credityes vs Prestamiau
Where Credityes and Prestamiau differ
| Compare |  Credityes |  Prestamiau |
|---|---|---|
| APR | 0% to 48% | MX$0 to MX$36 |
| Loan amount | ₱1,000 to ₱25,000 | MX$100 to MX$20,000 |
| Term | 2 to 36 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 PHP | 0 MXN |
| Funding time | A few minutes after confirmation | Loan obtained in 5 minutes; full process under 30 minutes |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Broker | Marketplace |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Credityes scores higher overall: 8.9 vs 8.7.
- Prestamiau is available in 1 more country.
- Term is higher at Credityes: 2 to 36 months vs 3 to 4 months.
- Support channels: only Credityes offers Help centre.
- Loan types: only Prestamiau offers Debt consolidation.
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.
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 | Prestamiau |
|---|---|---|
| Cost | 9.9Higher | 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 | 8.3HigherAPR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 8.2 |
| Trust | 8.3Higher | 8.1 |
Which one suits you
Pick Credityes if term matter most.
Pick Prestamiau if loan types matter most.
Where these facts come from
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
Prestamiau
- prestamiau.mx: 16 facts, checked September 26, 2026
How they place
| Ranking | Credityes | Prestamiau |
|---|---|---|
| Personal loans | 8 of 1932 | 4 of 1932 |
| Home improvement loans | 5 of 562 | 4 of 562 |
Every fact side by side
| Fact | Credityes | Prestamiau |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Fininity OÜ |
| Headquarters | Latvia | Estonia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes | Prestamiau | Median |
|---|---|---|---|
| Term | 2 to 36 monthsbelow the median | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 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
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
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%
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
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
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 | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| 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.
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.