Prestomin.mx

1. Introduction

Prestomin.mx is a Mexican online short-term lending service that offers fast digital loans to individuals who need urgent cash. Its public homepage shows a calculator with amounts from MXN 500 to MXN 35,000, while the legal terms say the lender may disburse between MXN 500 and MXN 30,000 after reviewing the applicant’s information.

This is the kind of service usually used by people who need money before payday, want to cover an emergency expense, or need a short-term credit solution without visiting a branch. Prestomin itself positions the product as a quick, online-only solution for immediate liquidity.

The main strengths are speed, a simple digital process, direct-lender status, and several repayment channels. The weak points are more important: the product is built around repayment on the borrower’s next payroll date, late payment triggers a 2% daily penalty on the total balance, and the public website does not expose a clean full pricing table before application.

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2. What kind of organization is this

Prestomin.mx presents itself as a company dedicated to granting loans directly to users who need immediate credit. Its public “About Us” page says it is focused on granting loans and that its website is the only channel through which users upload information and receive the result of their application.

The legal terms identify the lender as SOFI Digital MX, S.A. de C.V. The login page also says that Prestomin.mx is a registered brand in Mexico belonging to the SOFI DIGITAL MX SA de CV group.

So this is best classified as:

• a direct online lender,

• a non-bank digital credit provider,

• a short-term payday-style / payroll-cycle lender,
  not a bank and not a broker.

Country of operation: Mexico. The entire product, payment rails, and borrower requirements are Mexico-specific. Prestomin appears to work online only. Its public pages say the website is the only channel for uploading information, monitoring the process, and receiving a response.

In market-positioning terms, Prestomin tries to look like a fast, mainstream online lender for urgent credit. Its public support footprint is stronger than that of many anonymous loan sites because it publishes customer-service and collections contacts openly. But the cost and penalty structure still place it firmly in the high-risk short-term credit segment.

3. How the service works

Prestomin’s product is structured as a short-term online loan that is generally expected to be repaid on the borrower’s next payroll date. The FAQ says clearly: “Nuestros préstamos se deben de liquidar en tu siguiente fecha de pago de nómina,” although the borrower can extend the due date by paying an extension charge.

The site supports:

• first loans,

• repeat loans,

• and date extensions before delinquency.

How quickly are applications reviewed? Prestomin says users complete the form, receive pre-approval if applicable, upload documents, and get validation “as soon as possible.” How quickly is money sent? The FAQ says that once approved, the transfer is made immediately and the borrower is notified by SMS and email.

The process is fully online. Registration, document upload, approval, account access, payment reporting, and due-date extension are all built around the website and personal profile.

4. How to get a loan

Registration

The borrower starts on the website and enters personal data, mobile number, email, CURP, and password in the registration form. The registration page also requires acceptance of the terms, privacy notice, and electronic-means clause, plus authorization for a credit-bureau consultation.

Filling in the application

Prestomin asks the user to choose an amount and salary frequency, then complete the loan application form. The FAQ describes this as the normal first step for new customers.

Identity verification

If pre-approved, the user must upload documents. Prestomin says the documents must be legible and correct, otherwise they may need to be submitted again. Required documents include valid INE/IFE or passport, selfie, card number, and CLABE.

Income or employment confirmation

Prestomin does not publish one strict salary threshold, but the homepage says the target user profile includes provable income, and the requirements flow asks for a recent bank statement. Payroll slips may be optional in some cases.

Choosing the loan amount and term

The borrower chooses the amount first. Public ranges vary by page:

• homepage calculator: MXN 500 to MXN 35,000,

• legal terms: MXN 500 to MXN 30,000,

• practical repayment logic: repay on next payroll date unless extended.

Signing the agreement

The registration flow requires acceptance of the contract terms and privacy notice. The site does not expose a separate public signature walkthrough, but the legal and registration flow make clear that the agreement is concluded digitally through the site.

Receiving the funds

If approved, Prestomin says the money is transferred immediately to the borrower’s registered bank account and the borrower is informed by SMS and email.

How long the process usually takes

A practical summary:

Stage

Public Prestomin picture

Form completion

A few minutes

Pre-approval

Fast initial response

Document validation

As soon as possible

Funding after approval

Immediate

These are Prestomin’s own operational claims. Real timing still depends on document quality and bank processing.

Is approval automatic or manual?

Mixed. Prestomin appears to use a fast digital pre-screen, but the FAQ says one of the most common rejection reasons is a negative response from credit bureaus and the legal terms say the loan amount is determined only after analyzing the information provided.

Can bad-credit borrowers apply?

They may apply, but approval is not guaranteed. Prestomin states that a negative response from credit-information societies is a common reason for rejection.

5. Loan requirements and eligibility

Prestomin’s public pages give a relatively clear profile.

Requirement

Publicly stated

Age

21 to 70

ID

INE / IFE or passport

Bank account

Required, must be in applicant’s name

CLABE

Required

Mobile number

Required

Email

Required

Income

Provable income

Residency / operation

Mexico

Prestomin’s “How it works” page says the borrower must be 21 to 70 years old, have INE/IFE or passport, and have a bank account in their own name with CLABE. The homepage also points to provable income.

Required documents can include:

• official ID,

• selfie,

• debit-card number,

• CLABE,

• bank statement,

• and, depending on the case, payroll-related proof.

Official salaried employment is not strictly mandatory. Prestomin’s public site suggests that payroll slips may be optional and that account activity and income proof can matter. Self-employed users may therefore apply, but approval depends on the lender’s underwriting.

6. Loan terms and conditions

This is the most important section.

Publicly visible loan structure

Term item

Public Prestomin information

Homepage amount range

MXN 500 to MXN 35,000

Legal disbursement range

MXN 500 to MXN 30,000

Repayment logic

Next payroll date

Extension

Available before delinquency

Late-payment penalty

2% daily on total balance

Payment reflection

Up to 48 hours

Prestomin’s legal terms say the actual loan amount is determined exclusively by Prestomin after analyzing the user’s information. The FAQ says the loan is meant to be repaid on the next payroll date.

Minimum and maximum loan amount

The homepage shows MXN 500 to MXN 35,000, but the legal terms are more conservative at MXN 500 to MXN 30,000. The safest reading is that the live approval controls.

Loan term

Prestomin does not publish a simple public day-count table. The FAQ makes the practical structure clear: the loan should be paid on the borrower’s next payroll date unless extended.

Interest rate / APR

A borrower-friendly public interest or CAT table was not visible in the reviewed official pages. That is a transparency weakness. The legal terms say repayment includes commissions, interest, and other accessories, but the public landing pages do not summarize the full pricing in one table.

First loan conditions

No verified public universal first-loan-free offer was visible on the reviewed official pages. Borrowers should not assume the first loan is free unless the live contract states it.

Penalties for late payment

Prestomin’s FAQ states clearly that if payment is delayed, it calculates a 2% daily penalty on the total balance. This is severe.

Extension / rollover options

Yes. Prestomin says the borrower can extend the payment date by making the extension payment, which is withdrawn automatically from the borrower’s bank account on the cut-off date. A new due date is then sent by email and SMS.

Early repayment rules

Prestomin says the borrower can make extra payments of more than MXN 100 toward principal so that the debt decreases. For full early-settlement terms, the site advises contacting customer service.

Hidden fees or service charges

The public site does not expose a full fee schedule. What is clearly visible is that the loan includes interest, commissions, and accessories under the contract, and that late-payment penalties and extension charges exist. Borrowers should therefore assume the full cost lives in the contract, not on the homepage.

7. Supported payout methods: how users can receive the loan

Prestomin is relatively clear here.

Receiving method

Publicly stated

Bank account / CLABE transfer

Yes

Debit card payout

Not clearly advertised as separate payout route

E-wallets

Not confirmed

Mobile wallets

Not confirmed

Cash pickup

Not confirmed

Local payment systems

Not described as payout method

Prestomin’s requirements say the borrower must provide a bank account and CLABE in their own name. The legal terms say the funds are transferred to the registered banking details after approval.

The most common receiving method is therefore a bank transfer to the borrower’s own account. Name matching is explicitly required. Third-party accounts are not allowed; the legal terms say payments and banking details must align with the user and that payments to third-party accounts are not valid for compliance.

8. Supported repayment methods: how to repay the loan

Prestomin publishes a practical repayment section.

Repayment method

Publicly stated

BBVA Practicaja / ventanilla

Yes

Bank transfer

Yes

Paynet convenience stores

Yes

Personal online profile

Yes, for barcode / payment access

Card repayment

Not clearly stated as separate public route

Mobile app

Not confirmed

E-wallet repayment

Not confirmed

ATM / terminal repayment

BBVA Practicaja supported

Cash desk / branch payment

BBVA ventanilla supported

The FAQ and payment page say the borrower can repay through:

1. BBVA Practicaja or ventanilla, using convenio 002370344 and the user’s reference number,

2. bank transfer to BBVA / Bancomer account 0123083942 or CLABE 012180001230839424,

3. Paynet barcode payments at Walmart, Sam’s, Bodega Aurrera, 7-Eleven, Farmacias del Ahorro, Extra, and Circle K.

What requisites are needed

Depending on the method, the borrower needs:

• reference number from the latest statement,

• registered RFC or identifying payment data where applicable,

• exact amount to pay,

• barcode for Paynet if using store payment,

• official bank details for transfer.

How to fill in payment details correctly

For transfer:

• beneficiary account / CLABE exactly as published,

• use the correct reference details.

For BBVA:

• use convenio 002370344,

• carry the current reference number.

For Paynet:

• generate the barcode from the profile,

• choose extension or full amount,

• keep the receipt.

How long repayment may take to reflect

Prestomin says payment can take up to 48 hours to reflect. If it takes longer, the borrower should contact support.

What happens if payment is delayed

If payment is delayed:

• Prestomin applies a 2% daily penalty on the total balance,

• the borrower may keep receiving collections messages,

• support may ask for the proof of payment if already paid.

Should the borrower keep receipts?

Yes. Prestomin explicitly tells borrowers whose payment has not yet reflected to send the proof to cobranza@prestomin.mx. Keeping receipts is essential.

9. Advantages and disadvantages

Advantages

Disadvantages

Direct lender

Very high late-payment penalty

Fast online process

Public pricing transparency is incomplete

Clear repayment channels

Product is tied to next payroll date

Extension option exists

Extension is not free

Multiple manual payment methods

Public amount ranges are inconsistent

Strong support footprint

Credit-bureau rejection is common

Name-matched bank-account logic is clear

Still a high-risk short-term product

10. Who this service may suit

Prestomin may suit:

• users needing urgent money until payday,

• users needing a small short-term loan,

• users who want online-only access,

• borrowers who can document income or account activity,

• users who need several repayment channels.

It may be a poor fit for:

• anyone likely to pay late,

• users seeking low-cost long-term credit,

• borrowers already under serious financial stress,

• people uncomfortable with payday-cycle repayment logic.

11. Risks and important things to check before applying

The first thing to check is the real total cost in the contract, because the public site does not summarize the full pricing in a borrower-friendly way.

The second thing to check is the late-payment penalty. A 2% daily penalty on the total balance is severe.

The third thing to check is whether you are relying on an extension. Prestomin supports extensions, but they are paid and designed to avoid default, not to make borrowing cheap.

The fourth thing to check is the payment-reference detail. Wrong account details, wrong references, or missing receipts can delay recognition of payment.

The fifth thing to check is whether this product is suitable only for a short-term emergency. Everything in the FAQ suggests that it is. Responsible borrowing matters here.

12. Customer support and communication channels

Prestomin publishes a relatively strong support footprint.

Channel

Public detail

Website

prestomin.mx

Email

info@prestomin.mx

Customer-service phone

55 85 26 40 07

Collections phone

55 90 63 03 73

Collections email

cobranza@prestomin.mx

Working hours

Mon–Sat 09:00–18:00

Online chat

Not clearly confirmed

Mobile app

Not confirmed

These channels appear on the contact page and login page. That makes Prestomin easier to contact than many anonymous short-term lenders.

13. FAQ

What is Prestomin.mx?

A Mexican direct online lending service for short-term personal loans.

Is it a direct lender or a broker?

Direct lender. The lender in the legal terms is SOFI Digital MX, S.A. de C.V.

How fast can I get money?

Prestomin says that after document validation and approval, the money is transferred immediately and the user is notified by SMS and email.

What documents do I need?

Typically INE/IFE or passport, selfie, card number, CLABE, and possibly a bank statement or other proof.

Can I get a loan with bad credit?

You may apply, but approval is not guaranteed. A negative bureau response is one of the most common rejection reasons.

What payment systems are supported for receiving money?

Bank-account / CLABE transfer is the clearly supported receiving method.

How can I repay the loan?

Through BBVA Practicaja / ventanilla, bank transfer, or Paynet in participating convenience stores.

What requisites do I need for repayment?

Reference number, correct amount, and the official payment details or barcode, depending on the channel.

Can I repay early?

Yes. Prestomin says you can pay more than MXN 100 toward principal; for exact conditions, contact customer service.

What happens if I miss the due date?

Prestomin says it applies a 2% daily penalty on the total balance.

Can I extend the loan?

Yes. The due date can be extended by paying the extension amount before default.

Is the first loan interest-free?

No verified universal first-loan-free offer was visible on the reviewed official pages.

Can I receive money on someone else’s card or account?

No. The account must be in the applicant’s own name.

How do I contact support?

By phone at 55 85 26 40 07, email info@prestomin.mx, or for collections at 55 90 63 03 73 and cobranza@prestomin.mx.

Is this service safe to use?

It appears to be a real operating lender with published legal terms, payment instructions, and support channels. The main risk is financial: short-term borrowing plus severe late-payment penalties.

14. Final conclusion

Prestomin.mx is a real Mexican direct lender offering short-term online credit built around repayment on the next payroll date. Its strongest points are speed, direct-lender status, several repayment channels, and a public support footprint that is clearer than average in this segment.

Its main limitations are more serious than its marketing claims: the public pricing summary is incomplete, the product is effectively payday-cycle credit, and the 2% daily late-payment penalty is extremely aggressive.

Best fit: a borrower in Mexico with a real short-term emergency and a very clear repayment plan. Poor fit: anyone uncertain about paying on time, anyone already under debt pressure, or anyone looking for transparent low-cost credit.

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