Que Prestamo review

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

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Our verdict

Que Prestamo suits Spanish residents who want a personal loan of €5,000 decided and paid the same day, without a guarantor. Costs are the trade-off: borrowing runs at 7% to 35% and a processing fee is taken before the money lands, so the total repayable is higher than the headline rate suggests.

Key facts

Best for
Spanish residents needing a small personal loan in minutes, and who accept paying a fee deducted up front.
APR
7% to 35% (Source, checked September 26, 2026)
Loan amount
€5,000 (Source, checked September 26, 2026)
Term
1 to 72 months (Source, checked September 26, 2026)
Arrangement fee
3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) (Source, checked September 26, 2026)
Funding time
Approval in 5 minutes, money in your account in 15 minutes (Source, checked September 26, 2026)
Representative example
5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required (Source, checked September 26, 2026)
Origination fee (%)
3.5% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Leads for Finance S.L.U. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
queprestamo.com

Pros and cons

Pros

  • Approval comes quickly: Approval in 5 minutes, money in your account in 15 minutes, with same day funding listed among its features
  • No guarantor needed, and a current account in your own name plus a mobile number is enough to apply
  • 1 to 72 of repayment term lets you match the loan length to your budget
  • Email is a listed support channel, email, so help is available after you apply

Cons

  • 7% to 35% is a wide band, and the top of it costs far more than the personal loan median of 12%
  • The arrangement fee is deducted from the amount paid out, so you receive less than the amount you borrow
  • It is a broker rather than the lender itself, broker, so the contract sits with a financial entity it introduces you to
  • Only personal loans are offered, and support runs on email only
Que Prestamo

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Scored 8.6 / 10 by BorrowCue.

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Who it suits

  • Residents of Spain applying for a personal loan in euros, with a current account and active mobile number
  • Borrowers who value speed of approval over the lowest rate
  • People who have no guarantor available and need an unsecured personal loan

Who should look elsewhere

  • Anyone wanting a fixed, low rate: 7% to 35% runs to the top of the band, far above 12%
  • Borrowers who need the full amount in the account, since the arrangement fee is taken out before payment
  • Anyone wanting phone or chat support, as email is the only channel listed

Application and funding speed

Speed is the clearest reason to pick this broker. The stated timing is Approval in 5 minutes, money in your account in 15 minutes, and same day funding appears in the feature list, so a decision and money in the account are both part of the same process rather than something that happens days later. For a borrower covering a bill or a gap between payments, that turnaround removes the wait that usually defines applying for credit. The scale is modest: €5,000 is the headline amount, and it sits well above the site median of €876.96, which suggests this suits a specific repair, move or consolidation rather than a large purchase. 1 to 72 of repayment term is available, so a shorter schedule can carry the cost of a quick loan without stretching it indefinitely. Approval speed is the promise, and the rate you pay is the price of it.

How your money is protected

The first thing to understand is that Que Prestamo is a broker, broker, so it introduces you to a financial entity rather than holding the loan itself. That distinction matters for the contract and for any protection you read about: the arrangement fee is described as the loan processing fees of the financial entity, which points to where the debt actually sits. The representative example shows how that works in practice. €5,000 borrowed results in a smaller amount received than the figure applied for, because part of the facility is retained as fees, with the balance due across the term at the rate the example sets out. No licence or protection scheme is named, so there is no stated deposit protection to rely on: the money leaves your account and travels through a third party. Treat the loan as unsecured, and read the terms of the entity that carries it.

What borrowing costs

The cost picture has three parts, and the fee comes first. 7% to 35% is the headline band, and its top end sits far above 12%, the personal loan median across the site, so the difference between a good outcome and an expensive one is decided by which offer a lender returns. Second, the arrangement fee is a percentage of the amount borrowed, deducted from the disbursed amount before you see it. That changes the maths rather than adding a line at the end. Third, the representative example ties them together: €5,000 borrowed produces a received amount below the amount applied for, with a total repayable above the borrowed figure. A broker that moves quickly also moves you toward whichever rate is available at the moment, not a rate you set in advance. Read the example carefully, because the fee is already inside it.

The company behind it

The operating entity is Leads for Finance S.L.U., based in Spain, which places the operation in the same market as the borrowers. It runs as a broker, broker, so the customer relationship is with an intermediary that sources a lender rather than with a lending institution directly. Support is listed on email only, which is a real limit for anyone who prefers to pick up the phone or start a live chat, and questions about pricing or status will be handled in writing. personal loans are offered, so the range is a personal loan rather than a broader lending menu. The company is small in scope and clear about what it does: a Spanish intermediary moving a personal loan from application to account.

How Que Prestamo compares

Where Que Prestamo is available

Available
Spain

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

Frequently asked questions

What rate will I pay on a Que Prestamo personal loan?+

Rates run at 7% to 35%, depending on the offer a lender returns. The top of that band sits well above 12%, the personal loan median across the site, so the outcome depends on your profile and the lender matched to you. The representative example shows €5,000 borrowed producing a smaller amount received and a higher total repayable. Ask for the rate and the total repayable before accepting.

How much is deducted before the money reaches my account?+

The arrangement fee is a percentage of the loan amount, taken from the amount disbursed rather than charged later. That is why the representative example shows €5,000 requested producing a smaller amount received, with the balance owed across the term. Budget for the shortfall, because the transfer that lands in your account is the net figure, not the headline amount.

Who actually lends the money?+

Que Prestamo is a broker, broker, and Leads for Finance S.L.U. operates the site from ES. The lending itself sits with a financial entity, and the arrangement fee is described as that entity's loan processing fees. Read the contract from the lender, not just the application screen, since the interest and repayment terms bind you to the entity, not to the broker.

How quickly can I get the money?+

The stated timing is Approval in 5 minutes, money in your account in 15 minutes, and same day funding is listed among its features. In practice a quick turnaround is the point of using a broker for a small personal loan. Eligibility is straightforward: a current account in your own name, an active mobile number, valid ID, and residence in Spain, with no guarantor required.

Is my money protected while the loan is being arranged?+

No protection scheme is stated, and there is no licence named. Because Que Prestamo is a broker, the funds pass through to the financial entity that carries the loan, so a deposit protection scheme would not cover this arrangement. Treat the loan as unsecured and check the lender's terms directly for anything it offers before you sign.

How long can I take to repay?+

Terms run 1 to 72, so you can match the schedule to what you can afford each month. A shorter term costs more each month but clears the balance sooner, and a longer one lowers the payment while extending the interest. The representative example shows €5,000 borrowed with a total repayable above the amount received in your account.

What is the maximum I can borrow?+

The headline amount is €5,000, which is well above the site median of €876.96 for loan size. That makes it aimed at a specific cost such as a repair, a move or consolidating smaller debts, rather than a major purchase. Only personal loans are offered, personal, so a larger secured or vehicle loan would need a different provider.

How do I get help after applying?+

Support runs on email, so email is the only listed channel. There is no phone line or live chat in the terms, which matters if you have an urgent question about a repayment date. Keep your application reference handy, and put the question in writing so there is a record of the answer.

Sources

  • queprestamo.com checked September 26, 2026

    Backs: Loan amount, Eligibility, Features, Funding time, Arrangement fee, Origination fee (%), Representative example

  • queprestamo.com/legal/terms-and-conditions checked September 26, 2026

    Backs: APR, Headquarters, Legal entity, Lender type, Loan types, Support channels, Term

    “QuePrestamo ofrece prestamos personales flexibles”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Que Prestamo

Que Prestamo

Spanish residents needing a small personal loan in minutes, and who accept paying a fee deducted up front.

8.6/10Visit

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