Updated September 28, 2026 · BorrowCue Editorial Team
Prestamype vs wertfaktor
Prestamype vs wertfaktor: the differences
| Compare |  Prestamype |  wertfaktor |
|---|---|---|
| Term | 6 to 120 months | 120 to 360 monthsHigher |
| Funding time | About 15 business days after all documents are delivered; you sign at a notary and receive the loan | Fast payout (Schnellauszahlung) after the notary appointment |
| Rate type | Fixed | Variable |
| 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 | Germany only; partial sale of at most 50% of the property; occupied or tenanted properties accepted |
| Loan types | Personal, Secured, Business, Debt consolidation, BridgingCovers more | Secured |
| Loan amount | PEN 15,000 to PEN 2,000,000 | Not confirmed |
| Arrangement fee | Not confirmed | Durchfuehrungsentgelt of 3.3% of the property value, deducted from the final payout on the complete sale |
| Credit check | Soft prequal | Not confirmed |
| Representative example | Not confirmed | Property worth 500,000 EUR, payout of 125,000 EUR (25%); after deducting the 3.3% Durchfuehrungsentgelt and assuming 2.5% annual value growth you receive a further 458,911 EUR after 10 years |
| Origination fee (%) | Not confirmed | 3.3% |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Prestamype scores higher overall: 9.2 vs 8.8.
- Term is higher at wertfaktor: 120 to 360 months vs 6 to 120 months.
- Support channels: only Prestamype offers Chat.
- Support channels: only wertfaktor offers Email.
- Loan types: only Prestamype offers Personal, Business, Debt consolidation.
Our verdict on each
Prestamype
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.
wertfaktor
wertfaktor suits German homeowners who want to raise cash without moving, by selling part of the property rather than remortgaging it. The payout follows the notary appointment, and terms run 120 to 360 on the share you sell, with Fast payout (Schnellauszahlung) after the notary appointment once the paperwork is done.
Score breakdown
| Area | Prestamype | wertfaktor |
|---|---|---|
| Cost | Not confirmed | 8.3A free product fee, an arrangement charge of 3.3% settled at completion, and borrowing capped at 50% of the property value. |
| Offer | 9.0 | 9.6Higher |
| Trust | 9.2Higher | 8.7 |
Ranges side by side
| Fact | Prestamype | wertfaktor |
|---|---|---|
| Term | 6 to 120 months | 120 to 360 months |
Where each is licensed and available
| Country | Prestamype | wertfaktor |
|---|---|---|
| Peru | UIF (Peru) 20601802296 | Not confirmed |
Additional countries for Prestamype: 1. Additional countries for wertfaktor: 1.
Sources behind this comparison
Prestamype
- prestamype.com: 13 facts, checked September 26, 2026
wertfaktor
- wertfaktor.de: 14 facts, checked September 26, 2026
How they place
| Ranking | Prestamype | wertfaktor |
|---|---|---|
| Secured loans | 108 of 473 | 302 of 473 |
Every fact side by side
| Fact | Prestamype | wertfaktor |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Not confirmed | wertfaktor Immobilien GmbH |
| Headquarters | Peru | Germany |
| Founded | Not confirmed | 2018 |
| Support channels | Chat, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Prestamype | wertfaktor |
|---|---|---|
| Maximum loan to value | Not confirmed | 50% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Equity release |
Where each stands against the rest
| Fact | Prestamype | wertfaktor | Median |
|---|---|---|---|
| Loan amount | PEN 15,000 to PEN 2,000,000highest quarter | Not confirmed | PEN 280,000 |
| Term | 6 to 120 monthshighest quarter | 120 to 360 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 3.3%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Prestamype
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.
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.
wertfaktor
Pros
- The arrangement charge of 3.3% is deducted from the final payout rather than collected at the start.
- The product fee is free, and support runs on phone, email and help centre.
- Payout timing is clearly set out: Fast payout (Schnellauszahlung) after the notary appointment.
Cons
- Borrowing stops at 50% of the property value, well below the 90% seen across secured lenders.
- The rate is variable, so the cost of the money follows the market.
- Payout timing depends on the notary appointment: Fast payout (Schnellauszahlung) after the notary appointment.
Who each suits
Prestamype
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.
wertfaktor
Who it suits
- German homeowners who want cash without moving or remortgaging.
- Owners of a home they live in or let, since the eligibility rules accept occupied and tenanted property.
- Owners who will sell the remaining share later, when the arrangement charge is settled.
Who should look elsewhere
- Anyone outside Germany, as the property sale covers a single market.
- Owners who need the whole property value, since only a capped share at 50% is released.
- Borrowers who want a loan rather than a sale, such as Sofkredit at 6 to 240.
Country by country
| Country | Prestamype | wertfaktor |
|---|---|---|
| Germany | No | Yes |
| Peru | Yes | No |
Questions about each
Prestamype
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.
wertfaktor
What is wertfaktor offering?+
It is a equity release product, sold as secured lending: you sell part of a property and get a payout against the home. The buyer of that share is what funds the money, so the property itself carries the arrangement.
How much can I borrow against my home?+
The ceiling is 50% of the property value, which is the share that can be sold. Terms then run 120 to 360, so the balance is settled across a long stretch and the remaining share is sold at the end.