Updated September 28, 2026 · BorrowCue Editorial Team
BBVA vs Prestalo
Where BBVA and Prestalo differ
| Compare | BBVA ReviewVisitVisit |  Prestalo |
|---|---|---|
| APR | 8.08% to 9.16% | 4.1% to 30%Lower |
| Loan amount | €3,000 to €75,000 | €500 to €100,000Higher |
| Term | 24 to 96 months | 1 to 120 monthsHigher |
| Funding time | Money credited to your BBVA account after signing, in 3 steps | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 | EUR 5,000 loan repaid over 60 months, fixed annual interest 6.11%, TAE 6.28%, monthly payment 96.62 EUR, no opening or early-repayment fee, total repayable 5,815.20 EUR |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Eligibility | Must be a BBVA customer with an account; the 1% rate discount requires payroll (min net EUR 600/month) or pension (min EUR 300/month) domiciled at BBVA | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Good |
Same on both: Arrangement fee (0 EUR), Credit check (Hard), Rate type (Fixed), Use cases (Home improvement).
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Key differences
- BBVA scores higher overall: 9.4 vs 8.8.
- Founded is lower at BBVA: 1857 vs 2018.
- APR is lower at Prestalo: 4.1% to 30% vs 8.08% to 9.16%.
- Free early repayment: only Prestalo.
- Loan amount is higher at Prestalo: €500 to €100,000 vs €3,000 to €75,000.
- Term is higher at Prestalo: 1 to 120 months vs 24 to 96 months.
- Loan types: only Prestalo offers Payday, Car, Debt consolidation.
Our verdict on each
BBVA
BBVA suits existing customers in Spain who want a fixed-rate personal loan with fees of 0 EUR and the money landing in their BBVA account. The cost picture is the draw: APR of 8.08% to 9.16% sits below the site median, 12%, though the account requirement narrows who can apply.
Prestalo
Prestalo suits Spanish residents who want one broker covering personal and mortgage borrowing, with personal loan APR of 4.1% to 30% and no arrangement fee.
Score breakdown
| Area | BBVA | Prestalo |
|---|---|---|
| Cost | 8.9APR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. | 9.4Higher |
| Offer | 9.6Higher | 9.0Personal loans at 4.1% to 30% with arrangement fee 0 EUR and free early repayment, plus a mortgage at 2.36% and APRC 2.97%. |
| Trust | 9.6Higher | 8.3 |
Choosing between them
Pick BBVA if offer matter most.
Pick Prestalo if cost, apr, loan amount, and term matter most.
Feature by feature
| Loan types | BBVA | Prestalo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Use cases | BBVA | Prestalo |
|---|---|---|
| Home improvement | Yes | Yes |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
BBVA
1,294.38 to 1,474.73
1,294.38 to 1,474.73
Prestalo
644.66 to 5,282.57
644.66 to 5,282.57
Prestalo comes out 649.72 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | BBVA | Prestalo |
|---|---|---|
| Personal loans | 81 of 1932 | 60 of 1932 |
| Mortgages | 9 of 719 | 5 of 719 |
| Home improvement loans | 34 of 562 | 27 of 562 |
Every fact side by side
| Fact | BBVA | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | PRESTALO ONLINE, S.L. |
| Headquarters | Spain | Spain |
| Founded | 1857Lower | 2018 |
| Support channels | Not confirmed | Email, Chat, Phone, Help centre |
Mortgages
| Fact | BBVA | Prestalo |
|---|---|---|
| Initial rate | Not confirmed | 2.36% |
| APRC | Not confirmed | 2.97% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | BBVA | Prestalo | Median |
|---|---|---|---|
| APR | 8.08% to 9.16%below the median | 4.1% to 30%lowest quarter | 8.99 |
| Loan amount | €3,000 to €75,000above the median | €500 to €100,000highest quarter | €40,000 |
| Term | 24 to 96 monthsabove the median | 1 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BBVA
Pros
- APR of 8.08% to 9.16% sits below the site median, 12%.
- Fees of 0 EUR on a personal loan, so the quoted rate is not padded by an opening charge.
- Money is credited to the BBVA account after signing, so settlement needs no new payee setup.
Cons
- Free early repayment is no, so clearing the balance sooner carries a cost.
- Eligibility starts with holding a BBVA account, and the rate discount asks for a payroll or pension domiciled at BBVA.
- The credit check is hard, so a decline can leave a mark on the credit file.
Prestalo
Pros
- Personal loan APR runs 4.1% to 30% with arrangement fee 0 EUR, so the headline cost is the interest and nothing else.
- Free early repayment means clearing the balance early costs nothing, which suits anyone whose income may rise.
- Rate type is fixed and the model is fixed rate, so the monthly payment does not move when base rates shift.
Cons
- Credit check is hard and the credit needed is good, which rules out anyone with a thin or damaged credit file.
- Lender kind is broker, so the lender you end up with is chosen by a third party rather than by you.
- APR of 4.1% to 30% spans from below the personal loan median of 12% to well above it, so the rate you are offered depends heavily on your file.
Who each suits
BBVA
Who it suits
- Existing BBVA account holders in Spain with a domiciled payroll or pension who want a rate they can plan around.
- Borrowers funding a home improvement project who can spread the cost, since terms run 24 to 96.
- Readers who prefer the lender to hold the contract rather than a broker, since BBVA is a direct lender.
Who should look elsewhere
- Cashspace, priced at an APR of PHP 12 to PHP 36, if you want a different rate band than BBVA's 8.08% to 9.16%.
- Monzo Flex, at 10% to 23%, for readers comparing a UK lender rather than a Spanish bank.
- Cashspace ES, whose listed APR of 0% reads lower than BBVA's 8.08% to 9.16%.
Prestalo
Who it suits
- Adults in Spain with a good credit file and stable income who want a fixed-rate personal loan with no arrangement fee.
- Borrowers taking out a mortgage through a broker at an initial rate of 2.36% and APRC 2.97% with no product fee.
- People who expect to clear the loan early and value free early repayment.
Who should look elsewhere
- Anyone needing a variable-rate loan, since the rate type is fixed and the mortgage runs fixed for 25.
- Borrowers with a poor credit history, given the hard credit check and the good credit requirement.
- Shoppers who want to pick the lender directly, since Prestalo works as broker.
Country by country
| Country | BBVA | Prestalo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
BBVA
What rate does BBVA charge on a personal loan?+
The personal loan carries an APR of 8.08% to 9.16%, fixed for the whole term. The published example pairs that rate with fees of 0 EUR, so the quoted figure is not padded by an opening charge. Terms run 24 to 96, which shapes the monthly instalment.
Is BBVA regulated?+
BBVA appears in the Spanish register under the Comision Nacional del Mercado de Valores (CNMV), listed as licence MiCA CASP K8MS7FD7N5Z2WQ51AZ71. The legal entity behind the brand is Banco Bilbao Vizcaya Argentaria S.A., and the bank is a direct lender, so the contract is with the bank itself.
Prestalo
What APR does Prestalo charge on a personal loan?+
Personal loan APR is 4.1% to 30%, which covers the full cost of the credit as a single yearly rate. The arrangement fee is 0 EUR, so there is nothing on top of that figure to add separately. The rate is fixed, so the monthly payment holds steady for the whole term.
Is there any fee to open or repay a Prestalo loan early?+
The arrangement fee is 0 EUR and early repayment is free, so clearing the balance ahead of schedule carries no charge. The mortgage product fee is €0 as well. Together these mean your exit options stay open on both the personal loan and the mortgage.
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