Updated September 28, 2026 · BorrowCue Editorial Team
Prestamiau ES vs Que Prestamo
What sets them apart
| Compare |  Prestamiau ES |  Que Prestamo |
|---|---|---|
| APR | 0% to 36%Lower | 7% to 35% |
| Loan amount | €100 to €5,000 | €5,000 |
| Term | 3 to 6 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 EUR | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | 5 minutes | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Eligibility | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Origination fee (%) | Not confirmed | 3.5% |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker).
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 ES scores higher overall: 8.9 vs 8.6.
- APR is lower at Prestamiau ES: 0% to 36% vs 7% to 35%.
- Term is higher at Que Prestamo: 1 to 72 months vs 3 to 6 months.
- Support channels: only Prestamiau ES offers Help centre.
- Loan types: only Prestamiau ES offers Debt consolidation.
Our verdict on each
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.
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 | Prestamiau ES | Que Prestamo |
|---|---|---|
| Cost | 9.9Higher | 8.87% to 35% spans a wide band above the 12% median, and the arrangement fee is deducted from the amount paid out. |
| Offer | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. | 8.6Higher |
| Trust | 8.3 | 8.3 |
How they place
| Ranking | Prestamiau ES | Que Prestamo |
|---|---|---|
| Personal loans | 3 of 1932 | 6 of 1932 |
Licences and countries
Available in 1 country for both.
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Prestamiau ES and 7% to 35% for Que Prestamo.
FINANZCHECK.de reviewWhere these facts come from
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Prestamiau ES | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Leads for Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Prestamiau ES | Que Prestamo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 7% to 35%below the median | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €5,000lowest quarter | €40,000 |
| Term | 3 to 6 monthslowest quarter | 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
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.
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
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
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 | Prestamiau ES | Que Prestamo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
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.