Updated October 14, 2026 · BorrowCue Editorial Team
Mi Prestamo vs Prestamiau
Where Mi Prestamo and Prestamiau differ
| Compare |  Mi Prestamo |  Prestamiau |
|---|---|---|
| APR | 23% | MX$0 to MX$36 |
| Loan amount | €200 to €3,000 | MX$100 to MX$20,000 |
| Term | 2 to 12 monthsHigher | 3 to 4 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 MXN |
| Funding time | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account | Loan obtained in 5 minutes; full process under 30 minutes |
| Lender type | Direct lender | Marketplace |
| Eligibility | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| 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 8.7.
- Prestamiau is available in 1 more country.
- Term is higher at Mi Prestamo: 2 to 12 months vs 3 to 4 months.
- Support channels: only Mi Prestamo offers Phone, Chat, Help centre.
- Loan types: only Prestamiau 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
Prestamiau suits borrowers in Mexico who need a small personal or debt consolidation loan released quickly and can live with a very short repayment window. Its case rests on cost and speed: an origination fee of 0 MXN and funding where Loan obtained in 5 minutes; full process under 30 minutes.
Score breakdown
| Area | Mi Prestamo | Prestamiau |
|---|---|---|
| Cost | 8.8 | 9.7HigherThe origination fee is 0 MXN and the fee percentage is 0%, and the representative example shows the total repayable matching the sum borrowed. |
| Offer | 8.9Higher | 8.2 |
| Trust | 9.2Higher | 8.1 |
From lowest to highest
| Fact | Mi Prestamo | Prestamiau |
|---|---|---|
| Term | 2 to 12 months | 3 to 4 months |
How they place
| Ranking | Mi Prestamo | Prestamiau |
|---|---|---|
| Personal loans | 7 of 1920 | 4 of 1920 |
Every fact side by side
| Fact | Mi Prestamo | Prestamiau |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Easy Asset Management Iberia S.L. | Fininity OÜ |
| Headquarters | Spain | Estonia |
| Support channels | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Mi Prestamo | Prestamiau | Median |
|---|---|---|---|
| Term | 2 to 12 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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
Pros
- The origination fee is 0 MXN and the fee percentage is 0%, so the cost of taking out a personal or debt consolidation loan is low on paper.
- Funding is quick, with Loan obtained in 5 minutes; full process under 30 minutes, and same-day funding is listed as a feature.
- The rate is MXN 0 to MXN 36 against a site median of 12%, and the brand holds position 1 of 350 on rate.
Cons
- Repayment sits in 3 to 4, so the cost of the credit lands in a very short window.
- Support runs on email only, so a question about a repayment date waits on an email reply.
- The lender kind is marketplace, so the rate and amount you receive depend on the offers available when you apply rather than on a single named lender.
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
Who it suits
- Adults resident in Mexico with their own bank account, a valid INE/IFE and a stable income, who need money quickly rather than a large sum.
- Borrowers with a thin credit file, since the credit needed is poor.
- People consolidating debt or covering a home improvement job, since the loan types are personal and debt consolidation and the listed use is home improvement.
Who should look elsewhere
- Anyone wanting a long repayment schedule: the term is 3 to 4, and Monzo Flex is the comparison for lending spread over a longer window.
- Borrowers who want to raise a query by phone or in a live chat: support runs on email only.
- Anyone after a large loan: the amount available runs MXN 100 to MXN 20,000 and the brand sits at 676 of 685 on amount.
Current offers
Prestamiau
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)
New users only; representative example 1,000 MXN over 95 days, cost 0 MXN, total to repay 1,000 MXN, CAT 0%
Source, checked September 26, 2026
Country by country
| Country | Mi Prestamo | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| 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
What does a Prestamiau loan cost?+
The APR is MXN 0 to MXN 36 and the origination fee is 0 MXN, with a fee percentage of 0%. The representative example shows the total repayable equal to the amount borrowed, so nothing is added in the example. Read that alongside the repayment window, because a short schedule keeps the overall cost small.
How long does it take to get the money?+
Funding is fast: Loan obtained in 5 minutes; full process under 30 minutes, and same-day funding is listed as a feature. You need your own bank account for the payout, so the money goes straight to an account you already hold. That makes it practical for an urgent bill rather than a planned purchase.
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