Updated September 29, 2026 · BorrowCue Editorial Team
Prestamiau vs Quick Car Finance
Where Prestamiau and Quick Car Finance differ
| Compare |  Prestamiau |  Quick Car Finance |
|---|---|---|
| APR | MX$0 to MX$36 | 9.9% to 60% |
| Loan amount | MX$100 to MX$20,000 | £3,000 to £50,000 |
| Term | 3 to 4 months | 12 to 60 monthsHigher |
| Arrangement fee | 0 MXN | 0 |
| Funding time | Loan obtained in 5 minutes; full process under 30 minutes | 1-3 working days |
| Representative example | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Lender type | Marketplace | Broker |
| Eligibility | 18 or older, resident of Mexico, own bank account, valid INE/IFE, 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 |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Prestamiau is available in 1 more country.
- Term is higher at Quick Car Finance: 12 to 60 months vs 3 to 4 months.
- Loan types: only Prestamiau offers Personal, Debt consolidation.
- Loan types: only Quick Car Finance offers Car.
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.
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 | Quick Car Finance |
|---|---|---|
| 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. | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.2 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 8.1 | 8.6HigherBroker model of broker under licence 764855. |
Side by side, item by item
| Loan types | Prestamiau | Quick Car Finance |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Car | No | Yes |
How they place
| Ranking | Prestamiau | Quick Car Finance |
|---|---|---|
| Loans for bad credit | 5 of 275 | 3 of 275 |
Every fact side by side
| Fact | Prestamiau | Quick Car Finance |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Not confirmed |
Where each stands against the rest
| Fact | Prestamiau | Quick Car Finance | Median |
|---|---|---|---|
| Term | 3 to 4 monthslowest quarter | 12 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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.
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
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.
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%.
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 | Quick Car Finance |
|---|---|---|
| Mexico | Yes | No |
| Spain | Yes | No |
| United Kingdom | No | 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.
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.