Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Prestalo
Creduma ES vs Prestalo: the differences
| Compare |  Creduma ES |  Prestalo |
|---|---|---|
| Loan amount | from €12,000 | €500 to €100,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Money transferred to your bank account, normally within 24 to 48 hours |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Secured, Debt consolidation | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Credit needed | Poor | Good |
| APR | Not confirmed | 4.1% to 30% |
| Term | Not confirmed | 1 to 120 months |
| Representative example | Not confirmed | 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 | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
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Key differences
- Prestalo scores higher overall: 8.8 vs 8.7.
- Loan types: only Prestalo offers Personal, Payday, Car.
Our verdict on each
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
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 | Creduma ES | Prestalo |
|---|---|---|
| Cost | Not confirmed | 9.4 |
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 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 | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.3 |
Where they rank in our lists
| Ranking | Creduma ES | Prestalo |
|---|---|---|
| Debt consolidation loans | 13 of 425 | 22 of 425 |
| Secured loans | 6 of 472 | 9 of 472 |
| Mortgages | 3 of 719 | 5 of 719 |
| Remortgage deals | 3 of 351 | 5 of 351 |
Ranges side by side
| Fact | Creduma ES | Prestalo |
|---|---|---|
| Loan amount | from €12,000 | €500 to €100,000 |
Where each is licensed and available
| Country | Creduma ES | Prestalo |
|---|---|---|
| Spain | Not confirmed | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda |
Available in 1 country for both.
Sources behind this comparison
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Prestalo
- prestalo.com: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | Prestalo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | PRESTALO ONLINE, S.L. |
| Headquarters | Not confirmed | Spain |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Email, Chat, Phone, Help centre |
Mortgages
| Fact | Creduma ES | 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 | €0 | €0 |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creduma ES | Prestalo | Median |
|---|---|---|---|
| APR | Not confirmed | 4.1% to 30%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €500 to €100,000highest quarter | €40,000 |
| Term | Not confirmed | 1 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
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
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Prestalo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
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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