Updated October 17, 2026 · BorrowCue Editorial Team
myKredit vs Prestamiau ES
What sets them apart
| Compare |  myKredit |  Prestamiau ES |
|---|---|---|
| Loan amount | €600 | €100 to €5,000Higher |
| Term | 30 monthsHigher | 3 to 6 months |
| Funding time | funds transferred within 10 minutes of approval | 5 minutes |
| Eligibility | Adults with a valid DNI or NIE | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Payday | Personal, Debt consolidation |
| APR | Not confirmed | 0% to 36% |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | None | Not confirmed |
| Representative example | Not confirmed | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Lender type | Not confirmed | Broker |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.1.
- Loan amount is higher at Prestamiau ES: €100 to €5,000 vs €600.
- Term is higher at myKredit: 30 months vs 3 to 6 months.
- Support channels: only myKredit offers Chat.
- Support channels: only Prestamiau ES offers Email, Help centre.
- Loan types: only myKredit offers Payday.
- Loan types: only Prestamiau ES offers Personal, Debt consolidation.
Our verdict on each
myKredit
myKredit in Spain describes online lending and online applications. Spanish residence is one stated application criterion, not a complete list of conditions.
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 | myKredit | Prestamiau ES |
|---|---|---|
| Cost | Not confirmed | 9.9 |
| Offer | 8.1 | 8.5HigherAPR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | Not confirmed | 8.3 |
Feature by feature
| Loan types | myKredit | Prestamiau ES |
|---|---|---|
| Personal | No | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
Where they rank in our lists
| Ranking | myKredit | Prestamiau ES |
|---|---|---|
| Personal loans | 2 of 1920 | 3 of 1920 |
Which one suits you
Pick myKredit if term matter most.
Pick Prestamiau ES if loan amount matter most.
Where each is licensed and available
Available in 1 country for both.
Also worth a look
Deudafix has loan amount at €5,000 to €5,000,000, against €600 for myKredit and €100 to €5,000 for Prestamiau ES.
Deudafix reviewEvery fact side by side
| Fact | myKredit | Prestamiau ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | Fininity OU |
| Headquarters | Not confirmed | Estonia |
| Support channels | Chat | Email, Help centre |
Where each stands against the rest
| Fact | myKredit | Prestamiau ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 8.95 |
| Loan amount | €600lowest quarter | €100 to €5,000below the median | €40,000 |
| Term | 30 monthsbelow the median | 3 to 6 monthslowest quarter | 60 months |
Median across 1190 listed lenders.
Pros and cons
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
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
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.
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 | myKredit | Prestamiau ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
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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