Updated September 29, 2026 · BorrowCue Editorial Team
Prestamiau vs Que Prestamo
What sets them apart
| Compare |  Prestamiau |  Que Prestamo |
|---|---|---|
| APR | MX$0 to MX$36 | 7% to 35% |
| Loan amount | MX$100 to MX$20,000 | €5,000 |
| Term | 3 to 4 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 MXN | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | Loan obtained in 5 minutes; full process under 30 minutes | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Lender type | Marketplace | Broker |
| Eligibility | 18 or older, resident of Mexico, own bank account, valid INE/IFE, 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 |
| Origination fee (%) | 0%Lower | 3.5% |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Prestamiau scores higher overall: 8.7 vs 8.6.
- Prestamiau is available in 1 more country.
- Origination fee (%) is lower at Prestamiau: 0% vs 3.5%.
- Term is higher at Que Prestamo: 1 to 72 months vs 3 to 4 months.
- Loan types: only Prestamiau offers Debt consolidation.
Our verdict on each
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.
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 | Que Prestamo |
|---|---|---|
| Cost | 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. | 8.87% to 35% spans a wide band above the 12% median, and the arrangement fee is deducted from the amount paid out. |
| Offer | 8.2 | 8.6Higher |
| Trust | 8.1 | 8.3Higher |
Licences and countries
Available in 1 country for both. Additional countries for Prestamiau: 1.
What we checked
Prestamiau
- prestamiau.mx: 16 facts, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
How they place
| Ranking | Prestamiau | Que Prestamo |
|---|---|---|
| Personal loans | 4 of 1932 | 6 of 1932 |
Every fact side by side
| Fact | Prestamiau | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Leads for Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Support channels |
Where each stands against the rest
| Fact | Prestamiau | Que Prestamo | Median |
|---|---|---|---|
| Term | 3 to 4 monthslowest quarter | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | 3.5%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
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
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.
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
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 | Prestamiau | Que Prestamo |
|---|---|---|
| Mexico | Yes | No |
| Spain | Yes | Yes |
Questions about each
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.
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.