Updated September 28, 2026 · BorrowCue Editorial Team
Crezu ES vs Me Presta MX
Where Crezu ES and Me Presta MX differ
| Compare |  Crezu ES |  Me Presta MX |
|---|---|---|
| APR | 0% to 36% | 0% to 38% |
| Loan amount | €100 to €5,000 | MX$1,000 to MX$50,000 |
| Term | 91 to 120 monthsHigher | 2 to 36 months |
| Arrangement fee | 0 EUR | 0 MXN |
| Funding time | money in 15 minutes | Pocos minutos, en linea 24/7 |
| Representative example | 300 EUR loan repayable in 67 days, costs 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+, internet access, ID document and bank account, Spain | 18-70 anos, reside en MX (mexicano), cuenta bancaria CLABE a su nombre, celular y correo electronico |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal, Payday, Car |
| Credit check | Soft prequal | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- Crezu ES scores higher overall: 9.0 vs 8.7.
- Term is higher at Crezu ES: 91 to 120 months vs 2 to 36 months.
- Loan types: only Crezu ES offers Debt consolidation.
Our verdict on each
Crezu ES
Crezu ES suits Spanish borrowers with a poor credit history who need a small sum the same day. APR runs 0% to 36%, the origination fee is 0 EUR and advertised funding is money in 15 minutes, so the rate you are given rests on the partner lender who responds.
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 | Crezu ES | Me Presta MX |
|---|---|---|
| Cost | 9.9Higher | 9.7Origination costs 0 MXN and the rate band 0% to 38% starts low but reaches past 24.92%, so cost depends on the match. |
| Offer | 8.8HigherBroker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. | 8.2 |
| Trust | 8.3Higher | 8.1 |
Where each is licensed and available
Additional countries for Crezu ES: 1. Additional countries for Me Presta MX: 1.
Side by side, item by item
| Loan types | Crezu ES | Me Presta MX |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Use cases | Crezu ES | Me Presta MX |
|---|---|---|
| Home improvement | Yes | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 91 to 120 months for Crezu ES and 2 to 36 months for Me Presta MX.
Sofkredit reviewWhat we checked
Crezu ES
- crezu.es: 16 facts, checked September 26, 2026
Me Presta MX
- mepresta.com.mx: 15 facts, checked September 26, 2026
How they place
| Ranking | Crezu ES | Me Presta MX |
|---|---|---|
| Personal loans | 47 of 1932 | 42 of 1932 |
| Payday and short-term loans | 23 of 246 | 21 of 246 |
| Car loans | 11 of 431 | 10 of 431 |
| Home improvement loans | 20 of 562 | 18 of 562 |
Every fact side by side
| Fact | Crezu ES | Me Presta MX |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | SIA DOAFF (reg. 40203426084) |
| Headquarters | Estonia | Latvia |
| Support channels |
Where each stands against the rest
| Fact | Crezu ES | Me Presta MX | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 38%lowest quarter | 8.99 |
| Term | 91 to 120 monthshighest quarter | 2 to 36 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Crezu ES
Pros
- APR runs 0% to 36%, so the headline cost sits at the low end of what lenders charge
- The origination fee is 0 EUR, and the representative example shows costs of nothing and a total repayable equal to the amount borrowed
- Funding is advertised at money in 15 minutes, which suits an urgent bill
Cons
- Crezu ES lists its lender kind as a broker (broker), so the rate you are offered depends on which partner responds
- APR can reach 0% to 36% at the top of the range, well above the 12% typical across the site
- Support runs on email only, with no phone or chat route listed
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
Crezu ES
Who it suits
- Adults in Spain with a poor credit history who need a small sum quickly
- Borrowers who want to see an offer through a soft prequalification rather than a full credit search
- Anyone comfortable letting a broker pass their details to partner lenders
Who should look elsewhere
- Monzo Flex readers, whose APR is 10% to 23% and who want a longer term for a larger sum
- Cashspace readers, whose APR is PHP 12 to PHP 36
- Borrowers who need phone or chat support, since Crezu ES lists email
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
Crezu ES
Current offer
Bonus
Primer prestamo sin coste (0% APR) para nuevos usuarios: 0% APR, costs 0 EUR
New users only; applies to partner lender offers
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 | Crezu ES | Me Presta MX |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | No |
Questions about each
Crezu ES
What APR does Crezu ES charge?+
Crezu ES publishes APR of 0% to 36%, from the lowest pricing to the highest. Because the brand is a broker, the rate depends on which partner lender responds and on your credit profile, so the lower end of the range is a starting point rather than the expected outcome. The median APR across the site is 12%.
Is there an arrangement or origination fee?+
The origination fee is 0 EUR, so there is no separate charge for setting the loan up. The representative example shows costs of nothing on a small short term borrowing, with a total repayable equal to the amount borrowed. Interest is the only element in that example.
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.