Prestamo365 review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Prestamo365 is a Peru based direct lender for short personal loans, and it suits adults who need a small amount quickly and can clear the cost inside a short term. The catch is the price: rates run as high as up to 730%, well above the 12% median here.

Key facts

Best for
Peru residents who need a small personal loan paid out fast and can settle it within a short term.
APR
up to 730% (Source, checked September 26, 2026)
Loan amount
PEN 100 to PEN 1,500 (Source, checked September 26, 2026)
Term
2 to 3 months (Source, checked September 26, 2026)
Arrangement fee
S/ 70.80 administrative fee on a S/ 400, 90-day loan; varies by amount, disclosed before contract acceptance (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Less than 24 business hours (Source, checked September 26, 2026)
Representative example
Borrow S/400 for 90 days, repay S/569.99 in total, TCEA 621% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Peru residents aged 22-80 with DNI or Carnet de Extranjeria, own bank account and own mobile line (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
TUMI SOLUCIONES S.A.C. (Source, checked September 26, 2026)
Headquarters
Peru (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
prestamo365.pe

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Money reaches the account in Less than 24 business hours, with same day funding listed as a feature
  • Early repayment is free, so clearing the loan early costs nothing extra
  • Fixed rate pricing on a personal loan, with a hard credit check and fair credit needed
  • Support runs on email, phone and help centre for questions before and after signing

Cons

  • Rates as high as up to 730% sit far above the 12% median for this group, so the cost of a miss is steep
  • Terms are short, 2 to 3, which leaves little room to absorb a drop in income
  • Borrowing is capped at PEN 100 to PEN 1,500, so it cannot cover a large expense or a debt consolidation
Prestamo365

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Peru residents with a DNI or Carnet de Extranjeria, a bank account in their own name and a mobile line
  • Adults with fair credit who can repay in full inside a short term
  • Borrowers who value speed of payout over a low rate

Who should look elsewhere

  • Anyone needing a large sum, since borrowing stops at PEN 100 to PEN 1,500
  • Borrowers who need long terms to keep monthly payments low
  • Those wanting cheap credit, given rates as high as up to 730% against a 12% median

How Prestamo365 compares

Where Prestamo365 is available

Available
Peru
Licence in Peru
Superintendencia de Banca, Seguros y AFP (SBS) (Resolución SBS N° 01239-2025), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a Prestamo365 loan cost?+

The rate is fixed and can reach up to 730%, far above the 12% median across this group. The published example is Borrow S/400 for 90 days, repay S/569.99 in total, TCEA 621%, which shows the total repayable on a short term. An arrangement fee also applies and is disclosed before you accept the contract.

How long does it take to get the money?+

Funding takes Less than 24 business hours, and same day funding is listed among the features. That makes it one of the quicker routes in this group, where 81.9% of lenders offer the same. It is a direct lender, so you deal with the lender itself rather than a broker.

Who can apply?+

You need to be a Peru resident of adult age with a DNI or Carnet de Extranjeria, a bank account in your own name and your own mobile line. The credit bar is fair and the application runs a hard credit check, so a declined application can leave a trace on your file.

Can I repay the loan early?+

Yes, early repayment is free, so there is no penalty for settling the balance before the term ends. Most lenders in this group, 81.2%, also allow it free, so this is standard practice rather than a perk. Keep repaying on schedule if you cannot clear it early.

Is Prestamo365 regulated?+

It operates in Peru and is licensed by the Superintendencia de Banca, Seguros y AFP under Resolución SBS N° 01239-2025. The contracting entity is TUMI SOLUCIONES S.A.C.. Check the register yourself before signing, and read what the licence covers for your specific product.

How much can I borrow and for how long?+

Borrowing runs PEN 100 to PEN 1,500 and terms are 2 to 3, so these are small, short loans rather than a way to finance something major. Compare that with the €876.96 median amount and 36 median term across the listings here. Only personal loans are offered.

What support do I get?+

Help runs on email, phone and help centre, which covers email, phone and a help centre. Contact them before accepting a contract if the amount or fee looks wrong, since the arrangement fee varies by the amount borrowed. There is no branch or chat option listed.

Sources

  • affbank.com/offer/7145313-prestamo365-pe-cps-issued checked September 26, 2026

    Backs: Eligibility

    “between 22 and 80 years old; with National Identity Document (DNI) or Foreigner's Card; with an active personal bank account; with an own cell phone number”

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: APR, Arrangement fee, Representative example, Support channels, Term

    “Annual Effective Cost Rate (TCEA / APR equivalent): up to 730% depending on the loan profile”

  • prestamo365.pe checked September 26, 2026

    Backs: Loan amount, Credit needed, Funding time, Licences

  • prestamo365.pe/sobre-nosotros checked September 26, 2026

    Backs: Features

  • prestamo365.pe/terminos-y-condiciones checked September 26, 2026

    Backs: Credit check, Free early repayment, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Prestamo365

Prestamo365

Peru residents who need a small personal loan paid out fast and can settle it within a short term.

9.1/10See alternatives

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