Updated October 14, 2026 · BorrowCue Editorial Team
Deutsche Bank vs Mi Prestamo
Deutsche Bank vs Mi Prestamo: the differences
| Compare |  Deutsche Bank |  Mi Prestamo |
|---|---|---|
| APR | 3.25% to 13.48%Lower | 23% |
| Loan amount | €3,000 to €80,000Higher | €200 to €3,000 |
| Term | 12 to 120 monthsHigher | 2 to 12 months |
| Funding time | Within a few days after document review and approval | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account |
| Eligibility | Of age (adult), non-self-employed with regular income, positive credit rating, residence in Germany | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address |
| Arrangement fee | Not confirmed | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) |
| Representative example | Net loan 10,000 EUR, effective annual rate 9.71 %, fixed nominal rate 9.30 % p.a., 85 months, monthly instalment 164 EUR, total payable 13,737 EUR | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Loan types (Personal).
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Key differences
- Deutsche Bank scores higher overall: 9.5 vs 9.0.
- APR is lower at Deutsche Bank: 3.25% to 13.48% vs 23%.
- Loan amount is higher at Deutsche Bank: €3,000 to €80,000 vs €200 to €3,000.
- Term is higher at Deutsche Bank: 12 to 120 months vs 2 to 12 months.
- Support channels: only Mi Prestamo offers Chat.
Our verdict on each
Deutsche Bank
Deutsche Bank lends directly in Germany through Deutsche Bank AG, an institution trading since 1870. It suits salaried, non-self-employed adults living in Germany with a positive credit rating, and borrowers wanting €3,000 to €80,000 over a term of 12 to 120 for a larger purchase.
Mi Prestamo
Mi Préstamo offers consumer credit in Spain, with the captured pages describing a monthly installment product from EUR 200 to EUR 3,000 over two to twelve months. A separate example shows very high annualized cost figures and fees. Compare the full repayment amount before applying.
Score breakdown
| Area | Deutsche Bank | Mi Prestamo |
|---|---|---|
| Cost | 9.4Higher | 8.8 |
| Offer | 9.3HigherDirect personal lending at 3.25% to 13.48%, a hard credit check, and payout Within a few days after document review and approval after approval. | 8.9 |
| Trust | 9.6Higher | 9.2 |
From lowest to highest
| Fact | Deutsche Bank | Mi Prestamo |
|---|---|---|
| Loan amount | €3,000 to €80,000 | €200 to €3,000 |
| Term | 12 to 120 months | 2 to 12 months |
What we checked
Deutsche Bank
- deutsche-bank.de: 15 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Mi Prestamo
- mi-prestamo.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Deutsche Bank | Mi Prestamo |
|---|---|---|
| Personal loans | 260 of 1920 | 7 of 1920 |
Every fact side by side
| Fact | Deutsche Bank | Mi Prestamo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Deutsche Bank AG | Easy Asset Management Iberia S.L. |
| Headquarters | Germany | Spain |
| Founded | 1870 | Not confirmed |
| Support channels | Email, Phone, Help centre | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Deutsche Bank | Mi Prestamo | Median |
|---|---|---|---|
| APR | 3.25% to 13.48%lowest quarter | 23%highest quarter | 8.99 |
| Loan amount | €3,000 to €80,000highest quarter | €200 to €3,000lowest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 2 to 12 monthslowest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Deutsche Bank
Pros
- A direct lender, so you deal with the bank itself rather than a broker (direct lender)
- Interest stays put, listed as fixed pricing on a fixed rate model
- Early repayment is free, so clearing the balance early carries no charge
Cons
- Eligibility is narrow: non-self-employed, regular income, a positive credit rating and residence in Germany, so self-employed and thin-file applicants are turned down
- The hard credit check is shared by 76.5% of the lenders in this group, so a refusal can weigh on later applications
- A single market only, with lending confined to Germany
Mi Prestamo
Pros
- The monthly loan page lists an amount range and repayment term range.
- It says applicants can request online or by phone.
Cons
- The captured example displays a 3,330.50 percent annual rate and multiple fees.
- The pages do not provide enough information to calculate every borrower’s personalized total cost.
Who each suits
Deutsche Bank
Who it suits
- Salaried employees in Germany who can show a positive credit rating
- Anyone with an existing relationship at the bank and a larger sum to borrow
- Borrowers who want one fixed monthly payment and the option to settle early
Who should look elsewhere
- Self-employed applicants, who are not eligible for this loan
- Residents outside Germany, since lending is confined to that single market
- Small sums, where Cashspace ES charges 0% against 3.25% to 13.48% here
Mi Prestamo
Who it suits
- Adults in Spain comparing a short term installment loan.
Who should look elsewhere
- Anyone unable to repay under the offered schedule or looking for low cost long term credit.
Current offers
Deutsche Bank
Current offer
First period offer
Miles & More Blue Credit Card action: 12 monthly statements without card fee (then 5.50 EUR per month) plus 500 miles and 40 points on approval
Applications submitted by 30.09.2026
Source, checked September 26, 2026
Country by country
| Country | Deutsche Bank | Mi Prestamo |
|---|---|---|
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
Deutsche Bank
What rate would I pay for a personal loan from Deutsche Bank?+
The advertised rate is 3.25% to 13.48%, and it is fixed rather than variable, as fixed pricing confirms. The fixed rate model means the monthly payment stays the same across the term. A representative example shows a net loan repaid over a fixed period with a fixed nominal rate a year and a monthly instalment that does not change.
How much can I borrow?+
Loan amounts run €3,000 to €80,000, well above the €556.48 typical for personal loans on this site, so the lender suits bigger jobs such as a car, a kitchen or several balances rolled into a single payment. Term options run 12 to 120, and a hard credit check applies at application.
Mi Prestamo
What range does the monthly loan page show?+
It lists EUR 200 to EUR 3,000 over two to twelve months.
What should I check before accepting?+
Check the personalized annual cost, every fee, the payment dates and the total amount payable in the contract.
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