Updated September 28, 2026 · BorrowCue Editorial Team
Finmercado ES vs Prestamiau ES
What sets them apart
| Compare |  Finmercado ES |  Prestamiau ES |
|---|---|---|
| Loan amount | €200 to €30,000Higher | €100 to €5,000 |
| Term | 2 to 12 monthsHigher | 3 to 6 months |
| Funding time | Same-day approval (24h offers listed); the lender transfers the amount after approval, timing depends on each lender | 5 minutes |
| Representative example | Loan of 300 EUR repaid in 6 monthly instalments (180 days): about 55 EUR per month, total interest 30 EUR (TAE = 20%), total amount repayable 330 EUR | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Eligibility | Minimum age 18; customers in Spain; DNI or NIE, proof of income and recent bank statement (partner offers e.g. ABANCA list age 18-59) | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Payday, Debt consolidationCovers more | Personal, Debt consolidation |
| Credit check | Hard | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: APR (0% to 36%), Arrangement fee (0 EUR), Lender type (Broker), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.8.
- Loan amount is higher at Finmercado ES: €200 to €30,000 vs €100 to €5,000.
- Term is higher at Finmercado ES: 2 to 12 months vs 3 to 6 months.
- Loan types: only Finmercado ES offers Payday.
Our verdict on each
Finmercado ES
Finmercado ES suits borrowers in Spain who want to see partner offers quickly and pay no arrangement fee for the search. Rates of 0% to 36% mean the cheapest and the highest deals sit far apart, so the rate you are offered matters more here than the headline.
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Score breakdown
| Area | Finmercado ES | Prestamiau ES |
|---|---|---|
| Cost | 9.7An origination fee of 0 EUR and a percentage fee of 0%, so cost depends on the rate alone. | 9.9Higher |
| Offer | 8.5 | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 8.3 | 8.3 |
Positions in our rankings
| Ranking | Finmercado ES | Prestamiau ES |
|---|---|---|
| Personal loans | 39 of 1932 | 3 of 1932 |
| Debt consolidation loans | 14 of 425 | 3 of 425 |
| Home improvement loans | 16 of 562 | 3 of 562 |
Licences and countries
Available in 1 country for both.
Ranges side by side
| Fact | Finmercado ES | Prestamiau ES |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Loan amount | €200 to €30,000 | €100 to €5,000 |
| Term | 2 to 12 months | 3 to 6 months |
What we checked
Finmercado ES
- finmercado.es: 16 facts, checked September 26, 2026
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Finmercado ES | Prestamiau ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA JEFF | Fininity OU |
| Headquarters | Latvia | Estonia |
| Support channels | Email, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | Finmercado ES | Prestamiau ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €200 to €30,000below the median | €100 to €5,000lowest quarter | €40,000 |
| Term | 2 to 12 monthslowest quarter | 3 to 6 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Finmercado ES
Pros
- The origination fee is 0 EUR, so finding and comparing partner offers costs nothing.
- Approval is advertised for the same day, and the lender releases the amount once it accepts.
- Loan sizes sit inside €200 to €30,000 and repayment terms inside 2 to 12, so a small sum and a larger plan are handled through the same application.
Cons
- Repayment terms of 2 to 12 are shorter than the 48 seen across personal loans here, so a large balance has to clear fast.
- A hard credit check runs on every application, and 44.9% of this category is aimed at borrowers with poor credit, which sets the bar for approval.
- Support runs on email and help centre only, while phone lines cover 85.3% of this market.
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
Who each suits
Finmercado ES
Who it suits
- Adults in Spain with DNI or NIE, proof of income and a recent bank statement who want to see partner offers quickly.
- Borrowers after a fee-free search and same-day approval, who can live with a rate landing anywhere in 0% to 36%.
- Anyone consolidating existing balances, since personal, payday and debt consolidation covers consolidation loans alongside personal and payday borrowing.
Who should look elsewhere
- Readers who want a single known band rather than a wide range: Monzo Flex runs at 10% to 23%, which sits inside 0% to 36%.
- Anyone comparing offers quoted in pesos: Cashspace lists PHP 12 to PHP 36 in another currency, so the two lists are not priced alike.
- Borrowers shopping only on the starting rate: Cashspace ES shows 0%, and because 0% to 36% can start at the same level, the top of the band is what separates the two.
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
Country by country
| Country | Finmercado ES | Prestamiau ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finmercado ES
What rate of interest applies?+
The rate range is 0% to 36%, a wide band holding both a very low rate and a high rate. Where you land inside it depends on your credit profile and the partner lender who accepts your application. The 12% seen across lenders here sits well inside that band, so treat the middle as a realistic target rather than the floor.
Does Finmercado ES charge a fee?+
The origination fee is 0 EUR, so the search itself costs nothing. Once a partner lender takes you on, its own charges and its rate are what you repay, and those come from the lender rather than the broker. Read the representative example at that point, because the fee for arranging the loan and the interest on it are separate lines.
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.