Updated October 17, 2026 · BorrowCue Editorial Team
myKredit vs Prestamiau
Where myKredit and Prestamiau differ
| Compare |  myKredit |  Prestamiau |
|---|---|---|
| Loan amount | €600 | MX$100 to MX$20,000 |
| Term | 30 monthsHigher | 3 to 4 months |
| Funding time | funds transferred within 10 minutes of approval | Loan obtained in 5 minutes; full process under 30 minutes |
| Eligibility | Adults with a valid DNI or NIE | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Payday | Personal, Debt consolidation |
| APR | Not confirmed | MX$0 to MX$36 |
| Arrangement fee | Not confirmed | 0 MXN |
| Credit check | None | Not confirmed |
| Representative example | Not confirmed | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Not confirmed | Marketplace |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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
- Prestamiau scores higher overall: 8.7 vs 8.1.
- Prestamiau is available in 1 more country.
- Term is higher at myKredit: 30 months vs 3 to 4 months.
- Support channels: only myKredit offers Chat.
- Support channels: only Prestamiau offers Email.
- Loan types: only myKredit offers Payday.
- Loan types: only Prestamiau 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
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 | myKredit | Prestamiau |
|---|---|---|
| Cost | Not confirmed | 9.7The origination fee is 0 MXN and the fee percentage is 0%, and the representative example shows the total repayable matching the sum borrowed. |
| Offer | 8.1 | 8.2Higher |
| Trust | Not confirmed | 8.1 |
Side by side, item by item
| Loan types | myKredit | Prestamiau |
|---|---|---|
| Personal | No | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
Where each is licensed and available
Available in 1 country for both. Additional countries for Prestamiau: 1.
How they place
| Ranking | myKredit | Prestamiau |
|---|---|---|
| Personal loans | 2 of 1920 | 4 of 1920 |
Every fact side by side
| Fact | myKredit | Prestamiau |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | Fininity OÜ |
| Headquarters | Not confirmed | Estonia |
| Support channels | Chat |
Where each stands against the rest
| Fact | myKredit | Prestamiau | Median |
|---|---|---|---|
| Term | 30 monthsbelow the median | 3 to 4 monthslowest quarter | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.2% |
Median across 1190 listed lenders.
Pros and cons
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
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
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
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 | myKredit | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| 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
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.
Other options to compare
Other matchups
- myKredit vs MoneyCat
- myKredit vs Cashper AT
- myKredit vs Oney Préstamos ES
- Prestamiau vs Sofkredit
- Prestamiau vs Quick Car Finance
- myKredit vs Prestamiau ES
- myKredit vs Ibancar Prestamos
- Prestamiau vs DKB (Deutsche Kreditbank)
- Prestamiau vs Fidea
- Prestamiau vs Multitude
- Prestamiau vs Youmoney
- Prestamiau vs Fiesta Credito
- Prestamiau vs Fiesta Credito MX