Updated September 29, 2026 · BorrowCue Editorial Team
Prestamiau ES vs Quick Car Finance
Prestamiau ES vs Quick Car Finance: the differences
| Compare |  Prestamiau ES |  Quick Car Finance |
|---|---|---|
| APR | 0% to 36%Lower | 9.9% to 60% |
| Loan amount | €100 to €5,000 | £3,000 to £50,000 |
| Term | 3 to 6 months | 12 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 |
| Funding time | 5 minutes | 1-3 working days |
| Representative example | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Eligibility | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email | 18+, UK resident |
| Loan types | Personal, Debt consolidation | Car |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.7.
- APR is lower at Prestamiau ES: 0% to 36% vs 9.9% to 60%.
- Term is higher at Quick Car Finance: 12 to 60 months vs 3 to 6 months.
- Loan types: only Prestamiau ES offers Personal, Debt consolidation.
- Loan types: only Quick Car Finance offers Car.
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.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | Prestamiau ES | Quick Car Finance |
|---|---|---|
| Cost | 9.9Higher | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 8.3 | 8.6HigherBroker model of broker under licence 764855. |
From lowest to highest
| Fact | Prestamiau ES | Quick Car Finance |
|---|---|---|
| APR | 0% to 36% | 9.9% to 60% |
| Term | 3 to 6 months | 12 to 60 months |
What we checked
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
Quick Car Finance
- quickcarfinance.co.uk: 14 facts, checked September 28, 2026
How they place
| Ranking | Prestamiau ES | Quick Car Finance |
|---|---|---|
| Loans for bad credit | 4 of 275 | 3 of 275 |
Every fact side by side
| Fact | Prestamiau ES | Quick Car Finance |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OU | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Prestamiau ES | Quick Car Finance | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 9.9% to 60%above the median | 8.99 |
| Term | 3 to 6 monthslowest quarter | 12 to 60 monthsat the median | 60 |
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.
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
Country by country
| Country | Prestamiau ES | Quick Car Finance |
|---|---|---|
| Spain | Yes | No |
| United Kingdom | No | 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.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.