Updated September 28, 2026 · BorrowCue Editorial Team
Ibancar Prestamos vs Que Prestamo
What sets them apart
| Compare |  Ibancar Prestamos |  Que Prestamo |
|---|---|---|
| APR | 12.74% to 13.01% | 7% to 35%Lower |
| Loan amount | €600 to €8,000Higher | €5,000 |
| Term | 12 to 60 months | 1 to 72 monthsHigher |
| Funding time | Same day, up to 24 hours | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Lender type | Direct lender | Broker |
| Eligibility | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Loan types | Personal, Car, SecuredCovers more | Personal |
| Arrangement fee | Not confirmed | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 3.5% |
| Credit needed | Poor | Not confirmed |
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
- Ibancar Prestamos scores higher overall: 9.0 vs 8.6.
- APR is lower at Que Prestamo: 7% to 35% vs 12.74% to 13.01%.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €5,000.
- Term is higher at Que Prestamo: 1 to 72 months vs 12 to 60 months.
- Support channels: only Ibancar Prestamos offers Phone, Help centre.
- Loan types: only Ibancar Prestamos offers Car, Secured.
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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan of €5,000 decided and paid the same day, without a guarantor. Costs are the trade-off: borrowing runs at 7% to 35% and a processing fee is taken before the money lands, so the total repayable is higher than the headline rate suggests.
Score breakdown
| Area | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| Cost | 8.7 | 8.8Higher7% to 35% spans a wide band above the 12% median, and the arrangement fee is deducted from the amount paid out. |
| 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. | 8.6 |
| Trust | 9.2Higher | 8.3 |
Positions in our rankings
| Ranking | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| Personal loans | 15 of 1932 | 6 of 1932 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Ibancar Prestamos
1,042.39 to 1,065.78
1,042.39 to 1,065.78
Que Prestamo
557.88 to 3,142.49
557.88 to 3,142.49
Que Prestamo comes out 484.51 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
From lowest to highest
| Fact | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| APR | 12.74% to 13.01% | 7% to 35% |
| Term | 12 to 60 months | 1 to 72 months |
Every fact side by side
| Fact | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Ibancar World SL | Leads for Finance S.L.U. |
| Headquarters | Spain | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Ibancar Prestamos | Que Prestamo | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | 7% to 35%below the median | 8.99 |
| Loan amount | €600 to €8,000below the median | €5,000lowest quarter | €40,000 |
| Term | 12 to 60 monthsat the median | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 3.5%highest quarter | 0.25% |
Median across 1005 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
Que Prestamo
Pros
- Approval comes quickly: Approval in 5 minutes, money in your account in 15 minutes, with same day funding listed among its features
- No guarantor needed, and a current account in your own name plus a mobile number is enough to apply
- 1 to 72 of repayment term lets you match the loan length to your budget
Cons
- 7% to 35% is a wide band, and the top of it costs far more than the personal loan median of 12%
- The arrangement fee is deducted from the amount paid out, so you receive less than the amount you borrow
- It is a broker rather than the lender itself, broker, so the contract sits with a financial entity it introduces you to
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
Que Prestamo
Who it suits
- Residents of Spain applying for a personal loan in euros, with a current account and active mobile number
- Borrowers who value speed of approval over the lowest rate
- People who have no guarantor available and need an unsecured personal loan
Who should look elsewhere
- Anyone wanting a fixed, low rate: 7% to 35% runs to the top of the band, far above 12%
- Borrowers who need the full amount in the account, since the arrangement fee is taken out before payment
- Anyone wanting phone or chat support, as email is the only channel listed
Country by country
| Country | Ibancar Prestamos | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What rate will I pay on a Que Prestamo personal loan?+
Rates run at 7% to 35%, depending on the offer a lender returns. The top of that band sits well above 12%, the personal loan median across the site, so the outcome depends on your profile and the lender matched to you. The representative example shows €5,000 borrowed producing a smaller amount received and a higher total repayable. Ask for the rate and the total repayable before accepting.
How much is deducted before the money reaches my account?+
The arrangement fee is a percentage of the loan amount, taken from the amount disbursed rather than charged later. That is why the representative example shows €5,000 requested producing a smaller amount received, with the balance owed across the term. Budget for the shortfall, because the transfer that lands in your account is the net figure, not the headline amount.
Other options to compare
Other matchups
- Ibancar Prestamos vs Oney Préstamos ES
- Ibancar Prestamos vs Sofkredit
- Ibancar Prestamos vs Quick Car Finance
- Ibancar Prestamos vs Prestamiau ES
- Ibancar Prestamos vs Credityes
- Ibancar Prestamos vs Fidea
- Ibancar Prestamos vs Fiesta Credito MX
- Ibancar Prestamos vs Lendela
- Ibancar Prestamos vs Creditio
- Ibancar Prestamos vs Consumers Credit Union
- Ibancar Prestamos vs Upgrade