Updated September 29, 2026 · BorrowCue Editorial Team
Credityes vs Prestalo
What sets them apart
| Compare |  Credityes |  Prestalo |
|---|---|---|
| APR | 0% to 48%Lower | 4.1% to 30% |
| Loan amount | ₱1,000 to ₱25,000 | €500 to €100,000 |
| Term | 2 to 36 months | 1 to 120 monthsHigher |
| Arrangement fee | 0 PHP | 0 EUR |
| Funding time | A few minutes after confirmation | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 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 |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Good |
Same on both: Lender type (Broker), 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
- Credityes scores higher overall: 8.9 vs 8.8.
- APR is lower at Credityes: 0% to 48% vs 4.1% to 30%.
- Term is higher at Prestalo: 1 to 120 months vs 2 to 36 months.
- Support channels: only Prestalo offers Chat, Phone.
- Loan types: only Prestalo offers Payday, Car, Debt consolidation.
Our verdict on each
Credityes
Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.
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 | Credityes | Prestalo |
|---|---|---|
| Cost | 9.9Higher | 9.4 |
| Offer | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 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 |
Availability and regulation
| Country | Credityes | Prestalo |
|---|---|---|
| Spain | Not confirmed | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda |
Additional countries for Credityes: 1. Additional countries for Prestalo: 1.
Choosing between them
Pick Credityes if cost and apr matter most.
Pick Prestalo if offer, term, and loan types matter most.
How they place
| Ranking | Credityes | Prestalo |
|---|---|---|
| Personal loans | 8 of 1920 | 60 of 1920 |
| Home improvement loans | 5 of 562 | 27 of 562 |
Every fact side by side
| Fact | Credityes | Prestalo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | PRESTALO ONLINE, S.L. |
| Headquarters | Latvia | Spain |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Credityes | 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 | Credityes | Prestalo | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 4.1% to 30%lowest quarter | 8.99 |
| Term | 2 to 36 monthsbelow the median | 1 to 120 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Credityes
Pros
- The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
- Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
- Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
Cons
- The APR reaches 0% to 48%, well above the site median of 12% for personal loans
- Debt consolidation and credit lines are not among its loan types, which are personal
- A phone line is not among its support channels, which run email and help centre
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
Credityes
Who it suits
- Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
- Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
- People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee
Who should look elsewhere
- Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
- Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
- Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%
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
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Credityes | Prestalo |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Credityes
What does a Credityes personal loan cost in total?+
Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.
Is Credityes a lender or a broker?+
Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.
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
Other matchups
- Prestalo vs Verivox
- Prestalo vs ExpressCredit Lesotho
- Prestalo vs SoFi
- Prestalo vs Anadi Bank
- Prestalo vs Santander Consumer BestCredit
- Credityes vs Oney Préstamos ES
- Credityes vs Sofkredit
- Credityes vs Prestamiau ES
- Credityes vs Ibancar Prestamos
- Credityes vs DKB (Deutsche Kreditbank)
- Credityes vs Fidea
- Credityes vs Multitude
- Credityes vs Fiesta Credito
- Credityes vs Fiesta Credito MX
- Prestalo vs Lendela
- Prestalo vs Creditio
- Prestalo vs Commerzbank
- Prestalo vs Postbank
- Prestalo vs Consumers Credit Union
- Prestalo vs Upgrade
- Prestalo vs MoneyHero
- Prestalo vs ICICI Bank Credit Cards
- Prestalo vs AU Small Finance Bank
- Prestalo vs Borrowell