Prestamiau Spain

Summary: Prestamiau.es is a Spain‑focused loan comparison and pre‑application broker (not a direct lender). The platform is free for end‑users and matches applicants with third‑party creditors and credit intermediaries after collecting a short profile. Below is a field‑tested review that explains how it works, who it suits, pricing ranges, data & privacy practices, strengths/limits, common pitfalls, and a practical application checklist.

What Prestamiau.es is (and isn’t)

• Aggregator / broker: Prestamiau displays credit offers from partner lenders and can forward a pre‑application (questionnaire) to those partners. The final approval, pricing, and contract sit with the partner, not with Prestamiau.
• Free for consumers: The service states no user fees. Monetization likely comes from partners (lead/affiliate relationships) rather than charging borrowers.
• Spain market focus: Copy and legal framing target applicants who are 18+, resident in Spain, with DNI/NIE, own bank account, and stable income.
• Positioning: Fast, simplified access to multiple loan offers in minutes; typical advertised amounts range from €100 to €5,000, with short repayment tenors; interest/TAE varies by lender and profile.

Bottom line: Think of Prestamiau as an on‑ramp to a network of lenders. You don’t borrow from Prestamiau; you use it to locate and start a loan with a third party.

How the process works

A. Enter needs & basics
You begin by selecting the desired amount and term, then complete a short form (identity, contact, address, income, employer, household, banking IBAN, etc.).

B. Matching & preliminary decisions
Prestamiau relays your data to partner lenders/intermediaries to check preliminary eligibility. You may receive multiple offers (or rejections). Displayed headline terms in the listing stage may differ from the lender’s final terms after their full assessment.

C. Finalize on the lender’s site
If you accept a preliminary offer, you’re redirected to the lender to finish KYC, affordability checks, and e‑signature. Disbursement comes from the lender to your bank account.

D. Notifications
You can receive updates via email/SMS/WhatsApp or browser push (opt‑in). These channels notify you about the progress of your pre‑application and—if you consent—marketing.

Typical timeline: The broker step can be minutes; total time to cash depends on the chosen lender, verification speed, and your bank’s payout windows.

Eligibility & required information

Eligibility anchors (typical):

• Age 18+
• Residing in Spain
• DNI/NIE valid
• Own bank account in your name
• Stable income (employment, self‑employment, pension/benefits where accepted)
• Mobile phone + email

Commonly requested data fields:

• Identification & contact details (name, date/year of birth, DNI/NIE, email, phone)
• Address: postal code, province, city, street, number, apartment/no.
• Employment: employer name/industry, job title, employment start date
• Income & expense snapshot: net income, income source, rent/mortgage, other monthly obligations
• Banking: IBAN for payout and affordability checks
• Household structure: marital status, dependents, shared household income/expenses

ASNEF / negative files: Some partners may consider applicants with listings, but it’s not guaranteed. Expect stricter limits, higher rates, or outright declines.

Loan amounts, terms, costs

• Amounts: generally €100 – €5,000
• Repayment terms: headline messaging promotes short terms. Two ranges appear in site materials: “up to 6 months” and a specific disclosure that the minimum is 91 days (3 months) and maximum 120 days (4 months). Treat the shorter 91–120‑day window as the typical corridor; some partner pages may still offer different tenors.
• Pricing (TAE/APR): varies widely from 0% to about 36% depending on lender and risk. Example illustrations show a €300 loan for 95 days with 0% TAE, total repay €300. These are representative and depend on the ultimate lender decision.
• Broker fee: €0 to the user (the platform states it does not charge borrowers for selection/mediation). Partners may pay the broker.

What drives your rate: income stability, credit files, existing debts, bank account history, requested amount/term, and lender‑specific risk models.

Data protection & communications

Prestamiau is operated by Fininity OÜ (Estonia). The site’s privacy materials detail:

• Controller: Fininity OÜ
• Contact: compliance mailbox; postal address in Estonia
• Lawful bases: contract (to deliver the pre‑application service), legitimate interests (service quality, analytics, anti‑fraud, partnership management), consent (marketing, push/SMS/WhatsApp, ad personalization)
• Data shared with partners: enough to evaluate your application and return preliminary approvals/denials and offers
• Transfers: data can be processed/hosted in the EEA; some vendors may be outside the EEA under valid safeguards (e.g., EU–US Data Privacy Framework participants or SCCs)
• Retention: until the processing purpose is achieved; longer if required for legal claims/compliance

Marketing choices: You can opt in/out of email/SMS/WhatsApp and push alerts. Push requires a browser token.

Security: Site refers to encryption and states it does not accept repayments—payments go to the lender, who contacts you to set schedules.

Responsible‑borrowing notes

• Late payment consequences: The lender (not Prestamiau) applies late fees/interest and reports arrears to files where applicable. If you foresee problems, contact the lender before the due date to discuss extensions or refinancing (subject to lender policy).
• Short terms = higher installment pressure: Even at modest rates, a 3–4 month term compresses installments. Ensure the monthly cash‑flow fits after essentials.
• Use for needs, not wants: Emergencies, bridging gaps, consolidating a costly overdraft—these are typical “good uses.” Avoid stacking multiple short‑term loans.
• Compare offers carefully: APR/TAE, total repay, fees (opening, maintenance), due dates, early‑repayment terms, and penalties for late or partial payments.

User experience

Strengths

• Very quick pre‑application; one form routes to multiple partners
• Clean, mobile‑first UI; simple sliders for amount and term
• Free to use; “no hidden fees” positioning
• Multiple notifications to track status (email/SMS/WhatsApp/push)

Limitations

• Not a lender: final rates/approval beyond Prestamiau’s control; display terms may change after checks
• Short maturities: typical window 91–120 days may not suit larger needs
• Inconsistent disclosures: different pages mention “up to 6 months” yet a regulatory box shows 91–120 days; always verify the lender’s contract screen
• Marketing communications: you must manage consent settings to avoid unwanted promos

Who Prestamiau suits (and who should look elsewhere)

Great fit if you:

• Need small, short‑term financing quickly
• Prefer a one‑stop pre‑application to receive several offers
• Are comfortable sharing personal & financial info with a broker and multiple potential lenders
• Can repay within 3–4 months without straining cash‑flow

Consider alternatives if you:

• Need longer terms (12–48 months) or larger amounts (>€5,000)
• Want fixed, low APR with transparent bank‑grade pricing upfront
• Prefer to negotiate directly with your existing bank/credit union
• Are already juggling debts and need structured debt consolidation with counseling

Practical application checklist (copy/paste)

1. Documents & data: DNI/NIE, IBAN, employer & income details, monthly expense snapshot, contact info
2. Affordability: map your paydays to due dates; set a reminder 7 days before each due date
3. Offer comparison grid: APR/TAE, total repay, monthly installment, fees, grace period, extension policy
4. Consent hygiene: opt‑in only to the channels you want (email, SMS, WhatsApp, push); unsubscribe later if needed
5. Emergency plan: if income is variable, consider a micro‑buffer; if a payment might slip, contact the lender early

Pros & cons

Pros

• Free aggregator; multiple offers from one form
• Fast preliminary decisions and redirection
• Simple eligibility criteria (18+, resident, DNI/NIE, IBAN, income)
• Transparent about being a broker, not a lender

Cons

• Short typical terms (91–120 days) can be tight
• Final rates may differ from “headline” listings
• You share sensitive data with several parties
• Potential marketing contacts unless you fine‑tune consent

FAQ

Ownership, legal & contact

• Operator: Fininity OÜ (Estonia)
• Governance: site terms reference Spanish law for the service
• Address: Paadi tee 3, 74001, Haabneeme, Viimsi (Harju County), Estonia
• Support / compliance contacts: published contact mailboxes on the site’s legal pages
• Brand family: Fininity operates other finance/lead‑matching brands in various markets (e.g., Crezu)

Note on naming: Some public pages use “Fininity Ltd” while the legal entity is “Fininity OÜ” in Estonia. Treat both as references to the same operator; defer to the latest legal PDF for the exact corporate style.

Editorial verdict

Prestamiau is a fast, free way to collect multiple short‑term loan offers without repeating forms on every lender’s website. It works especially well for modest amounts and short horizons, provided you can comfortably service the installments within 3–4 months. The broker model saves time, but it also means you must read the final lender contract carefully, because pricing and fees ultimately depend on that party—not on Prestamiau’s initial listings. Privacy is handled in line with European norms, with clear consent toggles for marketing. For larger needs or longer repayment horizons, consider banks or specialty lenders that underwrite multi‑year personal loans.

Not financial advice. Always compare at least two or three final lender contracts, and borrow only what you can repay.