Updated September 28, 2026 · BorrowCue Editorial Team
Finipay vs Me Presta MX
What sets them apart
| Compare |  Finipay |  Me Presta MX |
|---|---|---|
| APR | 0% to 212% | 0% to 38% |
| Loan amount | €300 to €5,000 | MX$1,000 to MX$50,000 |
| Term | 3 to 60 monthsHigher | 2 to 36 months |
| Arrangement fee | 0 EUR | 0 MXN |
| Funding time | Under 24 hours | Pocos minutos, en linea 24/7 |
| Representative example | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% | $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 | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | 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 needed | Poor | Not confirmed |
Same on both: Origination fee (%) (0%), Use cases (Home improvement).
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Key differences
- Finipay scores higher overall: 8.9 vs 8.7.
- Term is higher at Finipay: 3 to 60 months vs 2 to 36 months.
- Support channels: only Finipay offers Phone, Help centre.
- Loan types: only Finipay offers Debt consolidation.
Our verdict on each
Finipay
Finipay suits Spanish adults with poor credit who need a small euro loan quickly and want no set-up charge. The trade-off is cost: an APR band of 0% to 212% and a representative example where a short loan costs far more to repay than to borrow.
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 | Finipay | Me Presta MX |
|---|---|---|
| Cost | 9.7The 0% to 212% band is far wider than the 12.25% midpoint for personal loans here, so cost depends almost entirely on your credit file. | 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 | 8.8Higher | 8.2 |
| Trust | 8.3Higher | 8.1 |
Availability and regulation
Additional countries for Finipay: 1. Additional countries for Me Presta MX: 1.
Ranges side by side
| Fact | Finipay | Me Presta MX |
|---|---|---|
| APR | 0% to 212% | 0% to 38% |
| Term | 3 to 60 months | 2 to 36 months |
Sources behind this comparison
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Me Presta MX
- mepresta.com.mx: 15 facts, checked September 26, 2026
How they place
| Ranking | Finipay | Me Presta MX |
|---|---|---|
| Personal loans | 19 of 1932 | 42 of 1932 |
| Payday and short-term loans | 7 of 246 | 21 of 246 |
| Car loans | 6 of 431 | 10 of 431 |
| Home improvement loans | 9 of 562 | 18 of 562 |
Every fact side by side
| Fact | Finipay | Me Presta MX |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | SIA DOAFF (reg. 40203426084) |
| Headquarters | Estonia | Latvia |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Finipay | Me Presta MX | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 38%lowest quarter | 8.99 |
| Term | 3 to 60 monthsat the median | 2 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Finipay
Pros
- Setting the loan up adds nothing: the origination fee is 0 EUR, so no charge is bolted on to the interest.
- Money arrives in Under 24 hours, and same-day funding sits in same day funding.
- Poor credit is the target: poor means the service is aimed at files mainstream lenders decline.
Cons
- Finipay is a broker rather than the lender (broker), so the rate is set by a partner lender and its terms are not spelled out here.
- The cost of a short term is severe: the representative example repays far more than it lends, and the top of 0% to 212% is steep.
- Borrowing stops at €300 to €5,000, so a larger renovation, car purchase or consolidation job needs another provider.
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
Finipay
Who it suits
- Adults in Spain with poor credit who need a modest sum quickly and would be turned down elsewhere, since poor is the level Finipay targets.
- Borrowers who want a fee-free set-up and a fast transfer, and who will read the representative example before choosing a term.
- People covering a car, a bill to consolidate or a home improvement, given personal, payday and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers with a strong file who want the cheapest rate: Monzo Flex holds its APR at 10% to 23%, well under the top of Finipay's 0% to 212%.
- Anyone who needs to borrow more than €300 to €5,000: Cashspace lists its rate in Philippine pesos at PHP 12 to PHP 36, so it is not a euro answer to a larger sum.
- Shoppers chasing an interest-free headline rate: Cashspace ES shows an APR of 0%, while Finipay's 0% to 212% is the band where a real rate is quoted.
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
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
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 | Finipay | Me Presta MX |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | No |
Questions about each
Finipay
Is there a fee for taking out a Finipay loan?+
No arrangement charge is added. The origination fee is 0 EUR, so the money you arrange does not shrink before it reaches you. What you pay is interest on the loan, and the size of that depends on the rate you are offered and the term you choose.
How much can I borrow, and for how long?+
Loans run €300 to €5,000, and terms run 3 to 60 months. That range is built for short and medium needs such as a repair, a car deposit or a bill to consolidate. It is not a route to a large renovation, because the ceiling is well below what the biggest lenders here arrange.
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.