Updated September 28, 2026 · BorrowCue Editorial Team
Ibancar Prestamos vs Prestamype
Where Ibancar Prestamos and Prestamype differ
| Compare |  Ibancar Prestamos |  Prestamype |
|---|---|---|
| Loan amount | €600 to €8,000 | PEN 15,000 to PEN 2,000,000 |
| Term | 12 to 60 months | 6 to 120 monthsHigher |
| Funding time | Same day, up to 24 hours | About 15 business days after all documents are delivered; you sign at a notary and receive the loan |
| Eligibility | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted | Own a property registered in SUNARP located in Lima Metropolitana, Callao, Arequipa Metropolitana or Trujillo Metropolitano; property must be fully cleared; loan from S/ 15,000; no credit history required |
| Loan types | Personal, Car, Secured | Personal, Secured, Business, Debt consolidation, Bridging |
| APR | 12.74% to 13.01% | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| 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 |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Credit needed (Poor).
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Key differences
- Prestamype scores higher overall: 9.2 vs 9.0.
- Term is higher at Prestamype: 6 to 120 months vs 12 to 60 months.
- Support channels: only Ibancar Prestamos offers Email.
- Support channels: only Prestamype offers Chat.
- Loan types: only Ibancar Prestamos offers Car.
- Loan types: only Prestamype offers Business, Debt consolidation, Bridging.
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.
Prestamype
Prestamype lends directly against a SUNARP-registered property, so it suits Peruvian homeowners with poor credit rather than anyone after an instant personal loan. Borrowers get PEN 15,000 to PEN 2,000,000 over 6 to 120 at a fixed rate, with a soft prequal check and no credit history required.
Score breakdown
| Area | Ibancar Prestamos | Prestamype |
|---|---|---|
| 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. | 9.0 |
| Trust | 9.2 | 9.2 |
Positions in our rankings
| Ranking | Ibancar Prestamos | Prestamype |
|---|---|---|
| Personal loans | 15 of 1920 | 461 of 1920 |
| Loans for bad credit | 10 of 276 | 103 of 276 |
| Secured loans | 2 of 473 | 108 of 473 |
A third option
Sofkredit has term at 6 to 240 months, against 12 to 60 months for Ibancar Prestamos and 6 to 120 months for Prestamype.
Sofkredit reviewEvery fact side by side
| Fact | Ibancar Prestamos | Prestamype |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Ibancar World SL | Not confirmed |
| Headquarters | Spain | Peru |
| Support channels | Phone, Email, Help centre | Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Ibancar Prestamos | Prestamype | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | Not confirmed | 8.99 |
| Term | 12 to 60 monthsat the median | 6 to 120 monthshighest quarter | 60 |
Median across 1152 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
Prestamype
Pros
- A direct lender, so the valuation, documents and notary signing all sit with one company.
- The check is soft prequal and the credit profile asked for is poor, so thin files still qualify.
- Support runs on chat, phone and help centre, covering chat, phone and a help centre.
Cons
- Every loan is tied to property: eligibility asks for a SUNARP-registered home in a listed metro area and a fully cleared title.
- Release waits on paperwork: a period of business days after every document arrives, then a notary signing.
- The PEN 15,000 to PEN 2,000,000 floor rules out small top-ups.
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
Prestamype
Who it suits
- Homeowners in Lima Metropolitana, Callao, Arequipa Metropolitana or Trujillo Metropolitana whose SUNARP title is fully cleared.
- Borrowers with poor credit, or none at all, since the eligibility terms ask for no credit history.
- Businesses wanting working capital or debt consolidation from personal, secured and business secured on the same property.
Who should look elsewhere
- Monzo Flex, whose range runs £10,000 to £35,000, needs no SUNARP-registered property.
- Cashspace ES covers €100 to €5,000, so a small euro sum does not force a property pledge.
- Cashspace at PHP 500 to PHP 25,000 suits readers borrowing under the PEN 15,000 to PEN 2,000,000 floor.
Country by country
| Country | Ibancar Prestamos | Prestamype |
|---|---|---|
| Peru | No | Yes |
| Spain | Yes | No |
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.
Prestamype
How much can I borrow from Prestamype?+
Prestamype lends PEN 15,000 to PEN 2,000,000, and repayment runs over 6 to 120. The purposes listed are personal, secured and business, each tied to the property rather than to a credit file, and home improvement work is the named use case.
How long does it take to get the money?+
Expect a waiting period measured in business days, counted from the moment every document has been delivered, and the signing happens at a notary before the loan is released. Prestamype is a direct lender, so it runs that path itself, and a document that arrives late pushes the schedule back.
Other options to compare
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