Updated September 28, 2026 · BorrowCue Editorial Team
Creditio vs Prestalo
Where Creditio and Prestalo differ
| Compare |  Creditio |  Prestalo |
|---|---|---|
| APR | 3% to 36%Lower | 4.1% to 30% |
| Loan amount | €100 to €500,000Higher | €500 to €100,000 |
| Term | 2 to 240 monthsHigher | 1 to 120 months |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate decision in minutes; funds come from the lender you connect to | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% | 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 | Variable | Fixed |
| Eligibility | Users must be over 18; site targets residents of Spain plus the country sites listed in the menu (MX, CO, IT, PT, BR, RO, ZA, PL, DE, PH) | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Debt consolidation, Car, Secured, Student | Personal, Payday, Car, Debt consolidation, Secured |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Arrangement fee (0 EUR), Lender type (Broker).
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Key differences
- Creditio is available in 10 more countries.
- APR is lower at Creditio: 3% to 36% vs 4.1% to 30%.
- Loan amount is higher at Creditio: €100 to €500,000 vs €500 to €100,000.
- Term is higher at Creditio: 2 to 240 months vs 1 to 120 months.
- Support channels: only Prestalo offers Chat, Help centre.
- Loan types: only Creditio offers Student.
- Loan types: only Prestalo offers Payday.
Our verdict on each
Creditio
Creditio suits Spanish adults who want a broker to find them a lender quickly and who value a 0 EUR arrangement fee over a fixed rate. The wide rate range means the quote you receive matters more here than the headline does.
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 | Creditio | Prestalo |
|---|---|---|
| Cost | 9.6HigherCosts rest on the 0 EUR arrangement fee and the no-cost personal loan example, while 3% to 36% stretches to a high ceiling. | 9.4 |
| Offer | 8.4 | 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 | 8.3 | 8.3 |
Licences and countries
| Country | Creditio | Prestalo |
|---|---|---|
| Spain | Not confirmed | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda |
Available in 1 country for both. Additional countries for Creditio: 10.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditio
469.24 to 6,489.37
469.24 to 6,489.37
Prestalo
644.66 to 5,282.57
644.66 to 5,282.57
Creditio comes out 175.42 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.
Positions in our rankings
| Ranking | Creditio | Prestalo |
|---|---|---|
| Personal loans | 78 of 1932 | 60 of 1932 |
| Debt consolidation loans | 28 of 425 | 22 of 425 |
| Secured loans | 13 of 472 | 9 of 472 |
| Car loans | 19 of 431 | 16 of 431 |
A third option
Qonto ES has loan amount at €750 to €1,000,000, against €100 to €500,000 for Creditio and €500 to €100,000 for Prestalo.
Qonto ES reviewWhat we checked
Creditio
- creditio.es: 16 facts, checked September 26, 2026
Prestalo
- prestalo.com: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Creditio | Prestalo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | WITME ADVERTISING S.L. | PRESTALO ONLINE, S.L. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Phone | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Creditio | 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 | Creditio | Prestalo | Median |
|---|---|---|---|
| APR | 3% to 36%lowest quarter | 4.1% to 30%lowest quarter | 8.99 |
| Loan amount | €100 to €500,000highest quarter | €500 to €100,000highest quarter | €40,000 |
| Term | 2 to 240 monthshighest quarter | 1 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditio
Pros
- The arrangement fee is 0 EUR on the personal loan in the representative example, so nothing is added on top of the interest.
- The low end of 3% to 36% sits below Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%.
- The credit check is a soft prequalification, soft prequal, where 72.7% of the brands compared use a hard check.
Cons
- The rate type is variable, so 3% to 36% is a range you are quoted into rather than a price fixed for the whole term.
- Creditio is a broker, so it never lends to you: the money and the contract both belong to the lender you are connected to, and that lender sets the final terms.
- Terms run 2 to 240, well short of the 480 seen across the brands compared, so a large balance has to be repaid quickly.
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
Creditio
Who it suits
- Adults in Spain, and residents of the other country markets named in the eligibility notice, who would rather a broker did the searching.
- Borrowers whose main worry is the arrangement charge, since the fee is 0 EUR on the personal loan example.
- People who need an answer the same day, since the decision comes back in minutes.
Who should look elsewhere
- Borrowers chasing the very lowest headline rate, since Cashspace ES quotes 0%.
- Anyone unwilling to be matched to a different lender, because Creditio is a broker and both the money and the contract sit with the lender you are connected to.
- Readers comparing on a typical rate, since the median advertised rate across the brands compared is 12% while Creditio's own 3% to 36% range is far wider.
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 | Creditio | Prestalo |
|---|---|---|
| Brazil | Yes | No |
| Colombia | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Mexico | Yes | No |
| Philippines | Yes | No |
| Poland | Yes | No |
| Portugal | Yes | No |
8 of 11 countries where either is available.
Questions about each
Creditio
What does it cost to arrange a loan through Creditio?+
The arrangement fee is 0 EUR, and the personal loan in the representative example is repaid at no cost at all. The interest rate is the figure that matters, and the example shows a rate below the advertised range of 3% to 36%. Read the two together: the charge is thin, but the range is wide enough that matches will differ, so ask for a written quote before you commit.
What rate will I be offered?+
The advertised range runs 3% to 36% and the rate type is variable, so the rate can move over the life of the loan. For reference, the median advertised rate across the brands compared here is 12%, and Monzo Flex runs 10% to 23%. Ask for the figure in writing, because a rate quoted today is not the rate you repay at later on.
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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