Prestamype review

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

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Our verdict

Prestamype lends directly against a SUNARP-registered property, so it suits Peruvian homeowners with poor credit rather than anyone after an instant personal loan. Borrowers get PEN 15,000 to PEN 2,000,000 over 6 to 120 at a fixed rate, with a soft prequal check and no credit history required.

Key facts

Best for
Property-backed working capital for Peruvian owners of a clear SUNARP-registered home.
Loan amount
PEN 15,000 to PEN 2,000,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
About 15 business days after all documents are delivered; you sign at a notary and receive the loan (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Own a property registered in SUNARP located in Lima Metropolitana, Callao, Arequipa Metropolitana or Trujillo Metropolitano; property must be fully cleared; loan from S/ 15,000; no credit history required (Source, checked September 26, 2026)
Loan types
Personal, Secured, Business, Debt-consolidation, Bridging (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Headquarters
Peru (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
prestamype.com

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • A direct lender, so the valuation, documents and notary signing all sit with one company.
  • The check is soft prequal and the credit profile asked for is poor, so thin files still qualify.
  • Support runs on chat, phone and help centre, covering chat, phone and a help centre.
  • Registered with UIF (Peru) under 20601802296, so a named regulator handles complaints.

Cons

  • Every loan is tied to property: eligibility asks for a SUNARP-registered home in a listed metro area and a fully cleared title.
  • Release waits on paperwork: a period of business days after every document arrives, then a notary signing.
  • The PEN 15,000 to PEN 2,000,000 floor rules out small top-ups.
Prestamype

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Homeowners in Lima Metropolitana, Callao, Arequipa Metropolitana or Trujillo Metropolitana whose SUNARP title is fully cleared.
  • Borrowers with poor credit, or none at all, since the eligibility terms ask for no credit history.
  • Businesses wanting working capital or debt consolidation from personal, secured and business secured on the same property.

Who should look elsewhere

  • Monzo Flex, whose range runs £10,000 to £35,000, needs no SUNARP-registered property.
  • Cashspace ES covers €100 to €5,000, so a small euro sum does not force a property pledge.
  • Cashspace at PHP 500 to PHP 25,000 suits readers borrowing under the PEN 15,000 to PEN 2,000,000 floor.

How Prestamype compares

Where Prestamype is available

Available
Peru
Licence in Peru
UIF (Peru) (20601802296), checked September 26, 2026

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

Frequently asked questions

How much can I borrow from Prestamype?+

Prestamype lends PEN 15,000 to PEN 2,000,000, and repayment runs over 6 to 120. The purposes listed are personal, secured and business, each tied to the property rather than to a credit file, and home improvement work is the named use case.

How long does it take to get the money?+

Expect a waiting period measured in business days, counted from the moment every document has been delivered, and the signing happens at a notary before the loan is released. Prestamype is a direct lender, so it runs that path itself, and a document that arrives late pushes the schedule back.

Will a credit check stop me?+

The check is soft prequal, and the credit profile it asks for is poor, so thin files are expected rather than penalised. Eligibility states that no credit history is required at all. What does count is the property: registered with SUNARP and fully cleared.

What rate do I pay?+

The rate is fixed and the model is fixed rate, so the cost is set when the loan is agreed and does not move with the market. For comparison, the typical APR across secured loans listed is 11.52%.

Is Prestamype regulated?+

Prestamype is registered with UIF (Peru) under 20601802296 and is based in Peru, so the loan is a Peruvian product rather than a cross-border one. Because the facility is secured on your property, the claim sits against the home as well as against you.

How can I get help?+

Support runs on chat, phone and help centre, which covers a live chat, a phone line and a help centre, so questions can be raised by phone or in writing. The same channels handle the document chase before a notary date is fixed. Anyone outside the covered metro areas will find the eligibility check the first hurdle.

Who can apply?+

Applicants need a property registered with SUNARP in Lima Metropolitana, Callao, Arequipa Metropolitana or Trujillo Metropolitana, and the title has to be fully clear. The loan starts at the lower end of PEN 15,000 to PEN 2,000,000, and the borrower signs personally at a notary. No credit history is required for that route.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

Prestamype

Prestamype

Property-backed working capital for Peruvian owners of a clear SUNARP-registered home.

9.2/10See alternatives

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