Updated October 17, 2026 · BorrowCue Editorial Team
Ibancar Prestamos vs myKredit
Where Ibancar Prestamos and myKredit differ
| Compare |  Ibancar Prestamos |  myKredit |
|---|---|---|
| Loan amount | €600 to €8,000Higher | €600 |
| Term | 12 to 60 monthsHigher | 30 months |
| Funding time | Same day, up to 24 hours | funds transferred within 10 minutes of approval |
| Eligibility | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted | Adults with a valid DNI or NIE |
| Loan types | Personal, Car, Secured | Payday |
| APR | 12.74% to 13.01% | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Credit needed | Poor | Not confirmed |
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.1.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €600.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 30 months.
- Support channels: only Ibancar Prestamos offers Phone, Email, Help centre.
- Support channels: only myKredit offers Chat.
- Loan types: only Ibancar Prestamos offers Personal, Car, Secured.
- Loan types: only myKredit offers Payday.
Our verdict on each
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
myKredit
myKredit in Spain describes online lending and online applications. Spanish residence is one stated application criterion, not a complete list of conditions.
Score breakdown
| Area | Ibancar Prestamos | myKredit |
|---|---|---|
| Cost | 8.7 | Not confirmed |
| Offer | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. | 8.1 |
| Trust | 9.2 | Not confirmed |
Side by side, item by item
| Loan types | Ibancar Prestamos | myKredit |
|---|---|---|
| Personal | Yes | No |
| Payday | No | Yes |
| Secured | Yes | No |
| Car | Yes | No |
Licences and countries
Available in 1 country for both.
Positions in our rankings
| Ranking | Ibancar Prestamos | myKredit |
|---|---|---|
| Personal loans | 15 of 1920 | 2 of 1920 |
Also worth a look
Deudafix has loan amount at €5,000 to €5,000,000, against €600 to €8,000 for Ibancar Prestamos and €600 for myKredit.
Deudafix reviewWhat we checked
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Every fact side by side
| Fact | Ibancar Prestamos | myKredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Ibancar World SL | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Phone, Email, Help centre | Chat |
Where each stands against the rest
| Fact | Ibancar Prestamos | myKredit | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | Not confirmed | 8.95 |
| Loan amount | €600 to €8,000below the median | €600lowest quarter | €40,000 |
| Term | 12 to 60 monthsat the median | 30 monthsbelow the median | 60 |
Median across 1190 listed lenders.
Pros and cons
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
Who each suits
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender instead
myKredit
Who it suits
- Spanish residents reviewing myKredit's online application route and criteria.
Who should look elsewhere
- Applicants relying on residency alone as proof they qualify.
Country by country
| Country | Ibancar Prestamos | myKredit |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
myKredit
What kinds of credit does myKredit offer?+
myKredit offers short term credit that is arranged online for borrowers in Spain. The range stays focused on small sums for urgent everyday needs rather than long projects. Each request is assessed individually, so the outcome depends on the details the applicant provides. Borrowers who need a longer structure will find a different product better suited to that purpose.
Who is the service designed for?+
The service is designed for adults in Spain who hold a valid identity card or a foreigner identity number and who are comfortable managing matters online. It is less suited to anyone who prefers face to face guidance or a longer arrangement. Anyone considering the service should review the full conditions carefully before deciding.
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