Updated September 28, 2026 · BorrowCue Editorial Team
Credityes ES vs Prestapuffin
Credityes ES vs Prestapuffin: the differences
| Compare |  Credityes ES |  Prestapuffin |
|---|---|---|
| Term | 2 to 36 months | 2 to 60 monthsHigher |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 0 EUR (no commissions) |
| Funding time | Money in a few minutes after a positive decision | Deposited straight to your bank account immediately |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | EUR 1,000 loan over 24 months at 35% fixed annual interest, monthly payment about EUR 58.52, total about EUR 1,404.45 |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Residents of Spain aged 18-80 with email address and mobile number |
| Loan types | Personal, PaydayCovers more | Personal |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Fair |
| Use cases | Home improvement | Not confirmed |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Lender type (Broker), Origination fee (%) (0%).
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
- Term is higher at Prestapuffin: 2 to 60 months vs 2 to 36 months.
- Loan types: only Credityes ES offers Payday.
Our verdict on each
Credityes ES
Credityes ES suits borrowers in Spain who want a personal or payday loan with no arrangement fee and money in minutes of a decision, with rates of 0% to 36% set by the match. The trade-off is a modest ceiling of €100 to €5,000 and a broker model, so the lender sets the final rate.
Prestapuffin
Prestapuffin suits adults living in Spain who need a small personal loan funded on the day of approval. Loans run €100 to €5,000, terms run 2 to 60 and the arrangement fee is 0 EUR (no commissions), so the price is set by interest rather than by fees.
Score breakdown
| Area | Credityes ES | Prestapuffin |
|---|---|---|
| Cost | 9.7Arrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. | 9.7A wide band of 0% to 36% means cost here turns on the top of that range rather than on the fee line. |
| Offer | 8.3 | 8.3 |
| Trust | 8.3 | 8.3 |
Where they rank in our lists
| Ranking | Credityes ES | Prestapuffin |
|---|---|---|
| Personal loans | 9 of 1932 | 5 of 1932 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes ES
0 to 3,244.68
0 to 3,244.68
Prestapuffin
0 to 3,244.68
0 to 3,244.68
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Prestapuffin
- prestapuffin.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Credityes ES | Prestapuffin |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Atlantix Media Inc |
| Headquarters | Latvia | Canada |
| Support channels |
Where each stands against the rest
| Fact | Credityes ES | Prestapuffin | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 2 to 36 monthsbelow the median | 2 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, because no commission is charged for selecting the loan, so nothing is added for putting it together.
- Rates of 0% to 36% start lower than Monzo Flex, which publishes a band of 10% to 23%.
- The representative example shows the total repayable equal to the amount borrowed, so the cheapest match costs nothing to carry.
Cons
- As a broker, Credityes ES leaves the final rate to the partner lender, so the published 0% to 36% is a starting point rather than an offer.
- Borrowing tops out at €100 to €5,000, well below the largest personal loan recorded on the site, €653,159.33.
- Support runs on email only, so a payment problem waits on a written reply instead of a phone line.
Prestapuffin
Pros
- The arrangement fee is 0 EUR (no commissions), so nothing is taken before the lender decides.
- Approved money is Deposited straight to your bank account immediately, which suits a short notice bill or an emergency.
- The rate is fixed, so the monthly payment holds for the life of the loan.
Cons
- The APR band of 0% to 36% is wide, so the top of that band is a costly place to sit next to Monzo Flex at 10% to 23%.
- The lender kind is a broker (broker), so the rate finally offered is set by a partner lender rather than by Prestapuffin.
- Support runs on email only, so a question has to be written out and waited on rather than talked through.
Who each suits
Credityes ES
Who it suits
- Borrowers living in Spain who need a personal or payday loan and want nothing added for the arrangement, provided they hold a bank account in their own name.
- Anyone covering a home improvement, since home improvement is listed among the uses.
- Cost-first readers who look at the total repayable before anything else, because the representative example shows nothing added to the amount borrowed.
Who should look elsewhere
- Not for a major renovation, where the ceiling of €100 to €5,000 falls well short of the largest personal loans on the site, €653,159.33, so a larger lender such as Monzo Flex is the fairer place to look.
- Not for a long repayment, because terms of 2 to 36 end well before the longest personal loans in the ranking, 480, so a longer provider is worth comparing first.
- Not for shoppers who want several rate bands side by side, since Cashspace sets out PHP 12 to PHP 36 while this service publishes a single range of 0% to 36%.
Prestapuffin
Who it suits
- Adults living in Spain with an email address and mobile number who need money quickly and can cover a fixed monthly payment.
- Borrowers who want a fixed rate and a predictable payment, and who are comfortable with a broker matching them to a partner lender.
- Anyone whose planned cost sits at the lower end of €100 to €5,000 and who can wait out the reply from email.
Who should look elsewhere
- Readers who want the lowest headline rate, since the top of 0% to 36% is far above Monzo Flex at 10% to 23%.
- Readers applying from outside Spain, since eligibility limits applications to residents of the country.
- Readers who need to borrow beyond the top of €100 to €5,000 for a large one-off cost.
Current offers
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Prestapuffin |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
Is there an arrangement fee or commission at Credityes ES?+
No. The arrangement fee is free for the customer, because the service charges no commission for selecting the loan, and the origination charge of 0% does not add to what you repay. What you see on an offer is interest set by the partner lender inside the published band of 0% to 36%.
What rate will I actually pay?+
The service publishes rates of 0% to 36% for personal and payday borrowing, and as a broker it sets a band rather than a single figure. The rate on your offer comes from the partner lender you are matched with. The representative example shows the cheapest end of that range, where the total repayable equals the amount borrowed.
Prestapuffin
What does Prestapuffin charge to arrange a loan?+
The arrangement fee is 0 EUR (no commissions), with no commission added on top of the amount borrowed. That means the sum leaving your account matches the loan rather than being reduced by a charge. The saving on fees is real, but it is small next to interest, which is where the cost of this loan sits.
What interest rate will I pay?+
The rate is quoted as an APR of 0% to 36%, and the band is wide, so the price depends on your own file. Read the top of that band rather than the middle, because the site illustrates an expensive case at a high fixed annual interest rate. In that example the total repaid comes out well above the amount borrowed, and the difference is interest.