Prestamype review

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

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Our verdict

Prestamype suits Peruvian investors who want a high stated return and can hold their money to term. A target return of 28% sits well above the 10% to 14% range, but with no buyback guarantee and no secondary market, getting out early is not on the table.

Key facts

Best for
Peruvian investors seeking a high stated return from factoring, with money they can leave in place.
Target return
28% (Source, checked September 26, 2026)
Minimum investment
PEN 100 (Source, checked September 26, 2026)
Buyback guarantee
No (Source, checked September 26, 2026)
Secondary market
No (Source, checked September 26, 2026)
Regulators
UIF (Unidad de Investigación Financiera) - anti-money-laundering supervision (Source, checked September 26, 2026)
Headquarters
Peru (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Chat, Help-centre (Source, checked September 26, 2026)
Official website
prestamype.com

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.comyoutube.comtiktok.com

Pros and cons

Pros

  • Target return of 28% ranks it second on the measure across 15 brands, ahead of Mintos at 9.2% and the 10% to 14% range from Nectaro.
  • A minimum investment of PEN 100 is low in absolute terms, below the €50 median for peer-to-peer lending brands.
  • Head office in PE means the operation and the invoices it funds sit in the same market.
  • Support runs on chat and help centre, with chat and a help centre for day to day questions.

Cons

  • There is no buyback guarantee, so a defaulted invoice is not repurchased and the loss sits with the investor.
  • With no secondary market, funded invoices cannot be sold on before they mature.
  • Target return of 28% is far above the 11.72% upper quartile for the category, which reads as a return claim rather than a conservative forecast.
  • Support runs on chat and help centre only, with no email or phone line for anything time sensitive.
Prestamype

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Who it suits

  • Peruvian investors who understand factoring and can hold a position to maturity
  • Investors who want a small starting commitment, since the minimum investment is PEN 100
  • Those comfortable with a high stated target return of 28% and no secondary exit

Who should look elsewhere

  • Anyone needing to exit before maturity, given no secondary market and Mintos offers more tradable exposure
  • Investors who want a safety net on defaults, since only one in five peer-to-peer lending brands lacks a buyback guarantee, and Prestamype is one of them
  • Readers who want a steadier income figure, since Nectaro targets 10% to 14%

Returns and risk

Prestamype publishes a target return of 28%, which places it second among 15 brands on the same measure and well clear of Mintos at 9.2% and the 10% to 14% range at Nectaro. For readers who judge a high headline number with caution, that gap is the first thing to weigh: the category median target return is 9.2%, and Prestamype sits far above it. A double-digit-plus figure on debt assets implies real credit risk in the underlying invoices, and the site average for retail losses across the platforms we compare is 70.15%, running from 40.3% at the low end to 88% at the top. Neither exit route is open. There is no buyback guarantee, so a defaulted invoice stays with the lender rather than returning to the platform, and there is no secondary market, so a funded loan cannot be resold to another investor. That combination is why the yield is available: the capital is committed until maturity, and the only way to see the return through is to wait. The entry point is low, with a minimum investment of PEN 100, which sits below the €50 median across peer-to-peer lending brands. That makes the platform easy to sample, though the same restrictions on exit apply to a small test position as to a larger one.

How your money is protected

Prestamype operates under UIF (Unidad de Investigación Financiera) anti-money-laundering supervision, the regulator named for PE. That framework covers how the platform identifies and monitors the parties it deals with, and it is the extent of the oversight recorded for the brand. No deposit protection scheme is named, and no such scheme is described as covering investors here, so the money placed with the platform is exposed to the platform itself and to the borrowers behind the invoices. The clearest gap is the buyback guarantee: Prestamype does not offer one. Across the platforms on the site, 77.3% run without one and 22.7% run with it, so this is a common arrangement in peer-to-peer lending rather than an outlier, and readers should not treat the presence of a buyback elsewhere as a reason to expect it here. What a buyback guarantee does is commit the platform to repurchase loans that default, returning the lender's principal. Without that commitment, a default on a funded invoice is an outright loss for the investor, and the stated target return of 28% has to be considered on that basis. A high rate is not a cushion against loss; it is a return paid for accepting it. For a reader whose first question is what stands between their money and a defaulted borrower, the answer here is the platform's own balance sheet and the terms of the individual invoices.

The company behind it

Prestamype is based in Peru and was founded in 2017, so it is a relatively young operation by the standards of financial platforms, and it works inside a single market rather than across several. Being local is the point: the platform funds invoices raised by businesses in its home economy, and the underwriting, currency and payment rails all sit inside that same market. Readers who want a lender with a multi-country track record should look elsewhere, and a single market also means a single set of economic conditions. Support runs on chat and help centre, meaning chat and a help centre. For day to day questions about an investment or a repayment, that is workable, and the help centre handles the routine sort of issue on its own. For anything urgent, such as a payment that has not landed or a dispute on a funded invoice, there is no phone line and no email channel, so the quickest route is the chat window. Among peer-to-peer lending brands, email support appears on 93% and phone support on 69.8%, so Prestamype offers fewer routes than most of its peers. The team is also the whole operation rather than a branch of a larger group, which means the people answering the chat are close to the lending decisions themselves.

How Prestamype compares

Where Prestamype is available

Available
Peru
Licence in Peru
UIF (Unidad de Investigación Financiera) - anti-money-laundering supervision, checked September 26, 2026

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

Frequently asked questions

What return does Prestamype target?+

Prestamype publishes a target return of 28%. That sits second among 15 brands on the same measure and above the 9.2% median for peer-to-peer lending. It is a headline figure for lending to businesses through invoices, not a guaranteed yield.

What is the smallest amount I can invest?+

The minimum investment is PEN 100. That is a low entry point compared with the €50 median minimum across peer-to-peer lending brands, and the wider range runs from €0 to €100,000. A small test position is easy to set up here.

Does Prestamype offer a buyback guarantee?+

No, there is no buyback guarantee. A buyback guarantee means the platform repurchases loans that default and returns the lender's money. Without one, a default on a funded invoice is a direct loss for the investor, which is worth weighing against the stated target return of 28%.

Can I sell my investments before they mature?+

There is no secondary market, so funded loans cannot be sold on to another investor. The capital is committed until the invoice is repaid. Readers who may need access to their money at short notice should treat this as a commitment to hold, not a flexible holding.

Who regulates Prestamype?+

Prestamype operates under UIF (Unidad de Investigación Financiera) anti-money-laundering supervision, the regulator named for PE. That oversight covers how the platform identifies and monitors the parties it deals with. No deposit protection scheme is named for the brand.

How do I get help from Prestamype?+

Support runs on chat and help centre, which are chat and a help centre. Chat handles questions about an investment or a repayment, and the help centre covers routine issues. There is no phone line or email channel, so an urgent payment problem should be raised in the chat window.

Who is Prestamype aimed at?+

Prestamype is built for investors in PE who understand factoring and can leave money in place until invoices are repaid. The low minimum investment of PEN 100 makes a first position easy, but the lack of a secondary market means the money is committed once it goes in.

Is the return Prestamype targets realistic?+

The stated target return of 28% is a claim, not a promise, and it is far above the 11.72% upper quartile for the category. Retail losses across the platforms on the site run from 40.3% to 88%, with a median of 70.15%. A high rate is paid for accepting credit risk.

Sources

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

Prestamype

Prestamype

Peruvian investors seeking a high stated return from factoring, with money they can leave in place.

8.7/10See alternatives

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