EnLaMano review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

EnLaMano is a direct lender in Uruguay for adults wanting a personal loan repaid over a short fixed term, and it suits borrowers who accept a steep price for a quick decision. The APR is 133.48%, with the arrangement fee bundled into the total cost rather than quoted separately.

Key facts

Best for
Short fixed-term personal loans in Uruguay for applicants with no credit bureau default.
APR
133.48% (Source, checked September 26, 2026)
Loan amount
UYU 5,000 to UYU 250,000 (Source, checked September 26, 2026)
Term
5 to 24 months (Source, checked September 26, 2026)
Arrangement fee
Administrative expense, insurance and VAT bundled into the total cost (not stated separately) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
UYU 30,000 loan over 12 monthly instalments, TAE 133.4860%, total cost UYU 51,629.64 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Aged 21 to 79, Uruguayan citizen (natural or legal), at least 4 months of work history, proof of income, no credit bureau default (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
MANDAZY S.A (Prestamos En La Mano) (Source, checked September 26, 2026)
Headquarters
Uruguay (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
enlamano.com.uy

Pros and cons

Pros

  • Every loan runs at a fixed rate, so the instalment stays put for the length of the agreement.
  • Borrowing of UYU 5,000 to UYU 250,000 over terms of 5 to 24 keeps a small loan short.
  • Support runs on email, phone and help centre, covering phone, email and a help centre.
  • The lender is supervised by the Banco Central del Uruguay (Superintendencia de Servicios Financieros) and lends as a direct lender.

Cons

  • An APR of 133.48% sits far above the personal loan median on this site, so the cost of a small loan is severe.
  • Free early repayment: no, so settling the balance before the final instalment carries a charge.
EnLaMano

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults in Uruguay who can show proof of income, a work history and no credit bureau default.
  • People who want the balance spread over a short fixed term rather than years of repayments.
  • Borrowers who prefer applying to the company that carries the loan rather than a broker or marketplace.

Who should look elsewhere

  • Anyone watching the cost of borrowing should compare Monzo Flex, where the APR runs 10% to 23%.
  • Readers benchmarking against Cashspace, whose APR sits at PHP 12 to PHP 36, will find EnLaMano the expensive option.
  • Applicants who want a fee quote on its own, since the arrangement fee here sits inside the total cost.

How EnLaMano compares

Where EnLaMano is available

Available
Uruguay
Licence in Uruguay
Banco Central del Uruguay (Superintendencia de Servicios Financieros), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow and over what term?+

Loan amounts run UYU 5,000 to UYU 250,000, repaid over terms of 5 to 24. The smallest sum suits a bill or an urgent repair; the top of the range is a working capital figure for a freelancer or small business. Proof of income and a work history are needed either way.

Can I repay a loan early?+

Free early repayment: no. The loan is set at a fixed rate over terms of 5 to 24, so if you settle the balance before the final instalment the amount owed is not the same as simply stopping. Get the settlement figure in writing before you commit.

Who can apply?+

Applicants must be adults in a stated age band, a Uruguayan citizen, natural or legal, with at least a minimum work history, proof of income and no credit bureau default. The application runs a hard credit check, so a bureau default ends the application early.

Who regulates EnLaMano?+

The lender sits under the Banco Central del Uruguay (Superintendencia de Servicios Financieros) in Uruguay, and the operating entity is MANDAZY S.A (Prestamos En La Mano). It lends as a direct lender rather than a broker, so you deal with the company that carries the loan on its own books.

How do I get help?+

Support runs on email, phone and help centre, covering phone, email and a help centre. Questions on the schedule, the total cost or a complaint can go through those channels, and claims are handled by the legal entity MANDAZY S.A (Prestamos En La Mano).

Is EnLaMano a broker?+

It is a direct lender: MANDAZY S.A (Prestamos En La Mano) lends its own money on personal loans at a fixed rate. You deal with a single company rather than a panel of lenders, and the personal loan is the only product listed.

What kind of rate do I get?+

The rate is fixed and the model is fixed rate, so repayments hold steady for the whole term rather than tracking a variable rate. That makes budgeting easier, and it also means a rate change elsewhere in the market will not alter your instalment.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Related by the facts

EnLaMano

EnLaMano

Short fixed-term personal loans in Uruguay for applicants with no credit bureau default.

8.8/10See alternatives

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