Updated October 14, 2026 · BorrowCue Editorial Team
Mi Prestamo vs Prestamiau ES
Mi Prestamo vs Prestamiau ES: the differences
| Compare |  Mi Prestamo |  Prestamiau ES |
|---|---|---|
| APR | 23% | 0% to 36%Lower |
| Loan amount | €200 to €3,000 | €100 to €5,000Higher |
| Term | 2 to 12 monthsHigher | 3 to 6 months |
| Arrangement fee | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) | 0 EUR |
| Funding time | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account | 5 minutes |
| Lender type | Direct lender | Broker |
| Eligibility | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Mi Prestamo scores higher overall: 9.0 vs 8.9.
- APR is lower at Prestamiau ES: 0% to 36% vs 23%.
- Loan amount is higher at Prestamiau ES: €100 to €5,000 vs €200 to €3,000.
- Term is higher at Mi Prestamo: 2 to 12 months vs 3 to 6 months.
- Support channels: only Mi Prestamo offers Phone, Chat.
- Loan types: only Prestamiau ES offers Debt consolidation.
Our verdict on each
Mi Prestamo
Mi Préstamo offers consumer credit in Spain, with the captured pages describing a monthly installment product from EUR 200 to EUR 3,000 over two to twelve months. A separate example shows very high annualized cost figures and fees. Compare the full repayment amount before applying.
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 | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Cost | 8.8 | 9.9Higher |
| Offer | 8.9Higher | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 9.2Higher | 8.3 |
Ranges side by side
| Fact | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Loan amount | €200 to €3,000 | €100 to €5,000 |
| Term | 2 to 12 months | 3 to 6 months |
Pick Mi Prestamo if, pick Prestamiau ES if
Pick Mi Prestamo if offer, trust, and term matter most.
Pick Prestamiau ES if cost, apr, loan amount, and loan types matter most.
How they place
| Ranking | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Personal loans | 7 of 1920 | 3 of 1920 |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 23% for Mi Prestamo and 0% to 36% for Prestamiau ES.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Easy Asset Management Iberia S.L. | Fininity OU |
| Headquarters | Spain | Estonia |
| Support channels | Phone, Chat, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Mi Prestamo | Prestamiau ES | Median |
|---|---|---|---|
| APR | 23%highest quarter | 0% to 36%lowest quarter | 8.99% |
| Loan amount | €200 to €3,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 2 to 12 monthslowest quarter | 3 to 6 monthslowest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Mi Prestamo
Pros
- The monthly loan page lists an amount range and repayment term range.
- It says applicants can request online or by phone.
Cons
- The captured example displays a 3,330.50 percent annual rate and multiple fees.
- The pages do not provide enough information to calculate every borrower’s personalized total cost.
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
Mi Prestamo
Who it suits
- Adults in Spain comparing a short term installment loan.
Who should look elsewhere
- Anyone unable to repay under the offered schedule or looking for low cost long term credit.
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 | Mi Prestamo | Prestamiau ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Mi Prestamo
What range does the monthly loan page show?+
It lists EUR 200 to EUR 3,000 over two to twelve months.
What should I check before accepting?+
Check the personalized annual cost, every fee, the payment dates and the total amount payable in the contract.
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.
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