Updated September 28, 2026 · BorrowCue Editorial Team
Cathay United Bank vs Prestalo
Cathay United Bank vs Prestalo: the differences
| Compare |  Cathay United Bank |  Prestalo |
|---|---|---|
| APR | 1.88%Lower | 4.1% to 30% |
| Loan amount | NT$5,000,000 | €500 to €100,000 |
| Term | 84 months | 1 to 120 monthsHigher |
| Arrangement fee | Account management fee NT$9,000 for new personal loan cases | 0 EUR |
| Lender type | Direct lender | Broker |
| Loan types | Personal, Secured, Credit line | Personal, Payday, Car, Debt consolidation, Secured |
| Funding time | Not confirmed | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | Not confirmed | 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 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Cathay United Bank scores higher overall: 9.6 vs 8.8.
- Founded is lower at Cathay United Bank: 1975 vs 2018.
- APR is lower at Cathay United Bank: 1.88% vs 4.1% to 30%.
- Term is higher at Prestalo: 1 to 120 months vs 84 months.
- Features: only Cathay United Bank offers Credit line.
- Features: only Prestalo offers Same day funding.
- Loan types: only Cathay United Bank offers Credit line.
- Loan types: only Prestalo offers Payday, Car, Debt consolidation.
Our verdict on each
Cathay United Bank
Cathay United Bank suits borrowers in Taiwan who want a large personal or secured loan from the lender itself, and it prices well against the field at an APR of 1.88%. The catch is the account management fee that comes with a new personal loan case.
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 | Cathay United Bank | Prestalo |
|---|---|---|
| Cost | 9.7HigherDirect lending at an APR of 1.88%, up to TWD 5,000,000, plus an account management fee on new personal loan cases. | 9.4 |
| Offer | 9.8Higher | 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 | 9.4Higher | 8.3 |
Which one suits you
Pick Cathay United Bank if cost, offer, and apr matter most.
Pick Prestalo if term matter most.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 1.88% for Cathay United Bank and 4.1% to 30% for Prestalo.
Prestamiau ES reviewHow they place
| Ranking | Cathay United Bank | Prestalo |
|---|---|---|
| Personal loans | 236 of 1932 | 60 of 1932 |
| Secured loans | 26 of 472 | 9 of 472 |
| Mortgages | 28 of 719 | 5 of 719 |
| Remortgage deals | 15 of 351 | 5 of 351 |
Every fact side by side
| Fact | Cathay United Bank | Prestalo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Cathay United Bank Co., Ltd. | PRESTALO ONLINE, S.L. |
| Headquarters | Taiwan | Spain |
| Founded | 1975Lower | 2018 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Mortgages
| Fact | Cathay United Bank | 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 | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Cathay United Bank | Prestalo | Median |
|---|---|---|---|
| APR | 1.88%lowest quarter | 4.1% to 30%lowest quarter | 8.99% |
| Term | 84 monthsabove the median | 1 to 120 monthshighest quarter | 60 months |
Median across 1005 listed lenders.
Pros and cons
Cathay United Bank
Pros
- Ranks 40 of 350 brands on APR, at 1.88%.
- Borrows up to TWD 5,000,000 for a purchase or a remortgage across a term of 84.
- Covers personal, secured and credit line lending under direct lender, so you deal with the bank rather than a broker.
Cons
- Every case runs a hard credit check, listed as hard.
- New personal loan cases carry an account management fee alongside a rate of 1.88%.
- A term of 84 runs well past the site median, which sits at 36.
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
Cathay United Bank
Who it suits
- Borrowers in Taiwan who want personal, secured or credit line lending from the lender itself rather than a broker.
- People buying or remortgaging a property, since purchase and remortgage cover both uses.
- Applicants ready for a hard credit check, given hard.
Who should look elsewhere
- Anyone who wants to draw a credit line in stages, since Monzo Flex prices its line at 10% to 23%.
- Borrowers after an app-first application, since Cashspace quotes a range of PHP 12 to PHP 36 on a single market.
- Anyone whose own market rate sits low, since Cashspace ES is listed at 0%.
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 | Cathay United Bank | Prestalo |
|---|---|---|
| Spain | No | Yes |
| Taiwan | Yes | No |
Questions about each
Cathay United Bank
What rate does Cathay United Bank charge on a personal loan?+
The bank quotes an APR of 1.88% on its personal loan product, well below where most of the lenders on the site sit. The site median runs at 12%, so the gap is wide. Loans reach TWD 5,000,000 over a term of 84.
What fees come with a new personal loan?+
New personal loan cases pay an account management fee, alongside a rate of 1.88% on the product page. The published charge is written for new cases, so anyone already banking with the bank should check the current terms. Budget for the fee as well as the interest when you compare.
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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