Updated September 29, 2026 · BorrowCue Editorial Team
Prestamiau vs Sofkredit
Where Prestamiau and Sofkredit differ
| Compare |  Prestamiau |  Sofkredit |
|---|---|---|
| APR | MX$0 to MX$36 | 10.74% to 18.06% |
| Loan amount | MX$100 to MX$20,000 | €12,000 to €300,000 |
| Term | 3 to 4 months | 6 to 240 monthsHigher |
| Arrangement fee | 0 MXN | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Funding time | Loan obtained in 5 minutes; full process under 30 minutes | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Lender type | Marketplace | Broker |
| Eligibility | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | 0%Lower | 6% to 9% |
| Loan types | Personal, Debt consolidation | Secured, Debt consolidation, Business |
| Credit check | Not confirmed | Soft prequal |
Same on both: Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Prestamiau scores higher overall: 8.7 vs 8.6.
- Sofkredit is available in 1 more country.
- Origination fee (%) is lower at Prestamiau: 0% vs 6% to 9%.
- Term is higher at Sofkredit: 6 to 240 months vs 3 to 4 months.
- Support channels: only Sofkredit offers Phone, Help centre.
- Loan types: only Prestamiau offers Personal.
- Loan types: only Sofkredit offers Secured, Business.
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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Prestamiau | Sofkredit |
|---|---|---|
| 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. | 8.5 |
| Offer | 8.2 | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 8.1 | 8.3Higher |
From lowest to highest
| Fact | Prestamiau | Sofkredit |
|---|---|---|
| Term | 3 to 4 months | 6 to 240 months |
Positions in our rankings
| Ranking | Prestamiau | Sofkredit |
|---|---|---|
| Loans for bad credit | 5 of 275 | 2 of 275 |
| Debt consolidation loans | 4 of 425 | 2 of 425 |
| Home improvement loans | 4 of 562 | 2 of 562 |
Sources behind this comparison
Prestamiau
- prestamiau.mx: 16 facts, checked September 26, 2026
Sofkredit
- sofkredit.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Prestamiau | Sofkredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Kova Finance, S.L. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Prestamiau | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Prestamiau | Sofkredit | Median |
|---|---|---|---|
| Term | 3 to 4 monthslowest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | 6% to 9%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.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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.
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
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 | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| 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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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