Updated September 28, 2026 · BorrowCue Editorial Team
CHECK24 vs Prestalo
What sets them apart
| Compare |  CHECK24 |  Prestalo |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 4.1% to 30% |
| Loan amount | €500 to €150,000Higher | €500 to €100,000 |
| Term | 12 to 240 monthsHigher | 1 to 120 months |
| Credit check | Soft prequal | Hard |
| Funding time | as little as 3 minutes at some banks, same day | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) | 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 |
| Loan types | Personal, Debt consolidation | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Eligibility | Not confirmed | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Credit needed | Not confirmed | Good |
Same on both: Arrangement fee (0 EUR), Rate type (Fixed), Lender type (Broker), Free early repayment (Yes), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- CHECK24 scores higher overall: 9.1 vs 8.8.
- Founded is lower at CHECK24: 1999 vs 2018.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 4.1% to 30%.
- Loan amount is higher at CHECK24: €500 to €150,000 vs €500 to €100,000.
- Term is higher at CHECK24: 12 to 240 months vs 1 to 120 months.
- Loan types: only Prestalo offers Payday, Car, Secured.
Our verdict on each
CHECK24
CHECK24 suits German borrowers who would rather a broker shop fixed-rate loans for them. Personal loans and debt consolidation run 0.68% to 19.92%, with an origination fee of 0 EUR and terms of 12 to 240, while the home finance listings show an initial rate of 3.43%.
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 | CHECK24 | Prestalo |
|---|---|---|
| Cost | 9.5Higher | 9.4 |
| Offer | 9.3HigherPersonal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. | 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 | 8.7Higher | 8.3 |
Pick CHECK24 if, pick Prestalo if
Pick CHECK24 if offer, trust, apr, loan amount, and term matter most.
Pick Prestalo if loan types matter most.
Positions in our rankings
| Ranking | CHECK24 | Prestalo |
|---|---|---|
| Personal loans | 92 of 1932 | 60 of 1932 |
| Debt consolidation loans | 35 of 425 | 22 of 425 |
| Mortgages | 11 of 719 | 5 of 719 |
| Remortgage deals | 10 of 351 | 5 of 351 |
| Home improvement loans | 41 of 562 | 27 of 562 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
CHECK24
105.18 to 3,364.22
105.18 to 3,364.22
Prestalo
644.66 to 5,282.57
644.66 to 5,282.57
CHECK24 comes out 539.48 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.
Side by side, item by item
| Loan types | CHECK24 | Prestalo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Use cases | CHECK24 | Prestalo |
|---|---|---|
| Home improvement | Yes | Yes |
From lowest to highest
| Fact | CHECK24 | Prestalo |
|---|---|---|
| APR | 0.68% to 19.92% | 4.1% to 30% |
| Loan amount | €500 to €150,000 | €500 to €100,000 |
| Term | 12 to 240 months | 1 to 120 months |
Every fact side by side
| Fact | CHECK24 | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | CHECK24 Vergleichsportal Finanzen GmbH | PRESTALO ONLINE, S.L. |
| Headquarters | Germany | Spain |
| Founded | 1999Lower | 2018 |
| Support channels | Phone, Email, Chat, Help centre | Email, Chat, Phone, Help centre |
Mortgages
| Fact | CHECK24 | Prestalo |
|---|---|---|
| Initial rate | 3.43% | 2.36%Lower |
| APRC | 3.5% | 2.97%Lower |
| Fixed period | 10 years | 25 yearsHigher |
| Maximum loan to value | 66% | 80%Higher |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | CHECK24 | Prestalo | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 4.1% to 30%lowest quarter | 8.99 |
| Loan amount | €500 to €150,000highest quarter | €500 to €100,000highest quarter | €40,000 |
| Term | 12 to 240 monthshighest quarter | 1 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
CHECK24
Pros
- Origination fee of 0 EUR on personal loans, so an indicative quote does not cost you anything.
- Amounts run €500 to €150,000 with terms of 12 to 240, so a small bill and a larger project can both be spread.
- A soft prequalification check, soft prequal, shows indicative rates before any full credit check.
Cons
- The credit check listed is a soft prequalification, soft prequal, so a full check can still follow and the bank sets the final rate.
- Loan types stop at personal and debt consolidation and the maximum loan to value is 66%, so borrowers with little equity have less room on the home finance side.
- As a broker, broker, the offer comes from a partner bank, so the rate you end up with is that bank's rather than the site's.
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
CHECK24
Who it suits
- German borrowers who would rather a broker compare personal loans and debt consolidation loans than apply bank by bank.
- Anyone planning a purchase or remortgage, since the home finance listings show an initial rate of 3.43% and a fixed period of 10.
- Home improvement borrowers, since home improvement is the listed use case, home improvement.
Who should look elsewhere
- Monzo Flex, if you want one provider from first quote to final, since its rates run 10% to 23% with no broker in the middle.
- Cashspace, whose listed rates are PHP 12 to PHP 36 and sit in a different market from German fixed-rate loans.
- Cashspace ES, which shows a rate of 0% rather than the German range of 0.68% to 19.92%.
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.
Current offers
CHECK24
Current offer
Bonus
Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback
on successful conclusion of a loan with selected banks by 01.10.; cashback depends on Smily level and loan amount
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Prestalo |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | Yes |
Questions about each
CHECK24
What does it cost to take a loan through CHECK24?+
On personal loans the origination fee is 0 EUR, and the rates quoted by partner banks run 0.68% to 19.92%, a wide spread because each bank prices risk differently. Instalment loans sit on a fixed rate, fixed, so the monthly figure holds for the term. Read the representative example before you sign.
Will applying damage my credit file?+
The credit check listed is a soft prequalification, soft prequal, which shows indicative rates before you commit to anything. A full check can still be required by the bank that makes the final offer, so treat the first figures as a guide rather than a deal.
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.
Other options to compare
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