Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Prestalo
Where Creditilia ES and Prestalo differ
| Compare |  Creditilia ES |  Prestalo |
|---|---|---|
| APR | 4% to 289%Lower | 4.1% to 30% |
| Loan amount | €500 to €50,000 | €500 to €100,000Higher |
| Term | 3 to 96 months | 1 to 120 monthsHigher |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 EUR |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee | 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 | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Payday, Car, Debt consolidation, Secured |
| Credit needed | Poor | Good |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Prestalo scores higher overall: 8.8 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 4.1% to 30%.
- Loan amount is higher at Prestalo: €500 to €100,000 vs €500 to €50,000.
- Term is higher at Prestalo: 1 to 120 months vs 3 to 96 months.
- Support channels: only Prestalo offers Chat, Phone, Help centre.
- Loan types: only Creditilia ES offers Business, Guarantor.
- Loan types: only Prestalo offers Secured.
Our verdict on each
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
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 | Creditilia ES | Prestalo |
|---|---|---|
| Cost | 9.4Fees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. | 9.4 |
| Offer | 8.5 | 9.0HigherPersonal 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 | 8.1 | 8.3Higher |
Where each is licensed and available
| Country | Creditilia ES | Prestalo |
|---|---|---|
| Spain | Not confirmed | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda |
Available in 1 country for both.
How they place
| Ranking | Creditilia ES | Prestalo |
|---|---|---|
| Personal loans | 51 of 1932 | 60 of 1932 |
| Payday and short-term loans | 24 of 246 | 30 of 246 |
| Debt consolidation loans | 20 of 425 | 22 of 425 |
| Mortgages | 4 of 719 | 5 of 719 |
| Remortgage deals | 4 of 351 | 5 of 351 |
| Car loans | 13 of 431 | 16 of 431 |
| Home improvement loans | 23 of 562 | 27 of 562 |
Every fact side by side
| Fact | Creditilia ES | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | PRESTALO ONLINE, S.L. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Prestalo |
|---|---|---|
| Initial rate | 4% | 2.36%Lower |
| APRC | 4.12% | 2.97%Lower |
| Fixed period | 5 years | 25 yearsHigher |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | €0 | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | Prestalo | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 4.1% to 30%lowest quarter | 8.99 |
| Loan amount | €500 to €50,000above the median | €500 to €100,000highest quarter | €40,000 |
| Term | 3 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
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
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
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
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 | Creditilia ES | Prestalo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
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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