Updated September 30, 2026 · BorrowCue Editorial Team
Finipay vs Prestame
Where Finipay and Prestame differ
| Compare |  Finipay |  Prestame |
|---|---|---|
| Loan amount | €300 to €5,000 | €250 to €5,000 |
| Arrangement fee | 0 EUR | 0 EUR (comparison service is free) |
| Funding time | Under 24 hours | Same day, partners usually answer within minutes |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal, Debt consolidation |
| APR | 0% to 212% | Not confirmed |
| Term | 3 to 60 months | Not confirmed |
| Representative example | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% | Not confirmed |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker).
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
- Finipay scores higher overall: 8.9 vs 8.4.
- Support channels: only Finipay offers Phone, Help centre.
- Loan types: only Finipay offers Payday, Car.
Our verdict on each
Finipay
Finipay suits Spanish adults with poor credit who need a small euro loan quickly and want no set-up charge. The trade-off is cost: an APR band of 0% to 212% and a representative example where a short loan costs far more to repay than to borrow.
Prestame
Prestame is a euro comparison broker that sends your details to partner lenders, so it suits borrowers who want several offers checked at once instead of applying to a single lender directly. The comparison service itself costs 0 EUR (comparison service is free), and the loans it places cover €250 to €5,000 with same-day funding.
Score breakdown
| Area | Finipay | Prestame |
|---|---|---|
| Cost | 9.7The 0% to 212% band is far wider than the 12.25% midpoint for personal loans here, so cost depends almost entirely on your credit file. | Not confirmed |
| Offer | 8.8Higher | 8.4Broker placement with personal and debt consolidation and Same day, partners usually answer within minutes, on amounts of €250 to €5,000. |
| Trust | 8.3 | 8.3 |
Sources behind this comparison
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Prestame
- prestame.es: 6 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
How they place
| Ranking | Finipay | Prestame |
|---|---|---|
| Personal loans | 19 of 1920 | 63 of 1920 |
| Debt consolidation loans | 9 of 425 | 24 of 425 |
Every fact side by side
| Fact | Finipay | Prestame |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Finipay | Prestame | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €300 to €5,000lowest quarter | €250 to €5,000lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Finipay
Pros
- Setting the loan up adds nothing: the origination fee is 0 EUR, so no charge is bolted on to the interest.
- Money arrives in Under 24 hours, and same-day funding sits in same day funding.
- Poor credit is the target: poor means the service is aimed at files mainstream lenders decline.
Cons
- Finipay is a broker rather than the lender (broker), so the rate is set by a partner lender and its terms are not spelled out here.
- The cost of a short term is severe: the representative example repays far more than it lends, and the top of 0% to 212% is steep.
- Borrowing stops at €300 to €5,000, so a larger renovation, car purchase or consolidation job needs another provider.
Prestame
Pros
- Nothing is paid to the broker for the comparison step, which is 0 EUR (comparison service is free).
- Funding is quick, Same day, partners usually answer within minutes.
- Both personal loans and debt consolidation are covered under personal and debt consolidation.
Cons
- Support runs on email only, so there is no phone or chat desk.
- Prestame is a broker and not the lender, so the rate and the term belong to whichever partner answers.
- The overall score is 3.3 with an offer part of 3.3, so the offer itself is the weak point.
Who each suits
Finipay
Who it suits
- Adults in Spain with poor credit who need a modest sum quickly and would be turned down elsewhere, since poor is the level Finipay targets.
- Borrowers who want a fee-free set-up and a fast transfer, and who will read the representative example before choosing a term.
- People covering a car, a bill to consolidate or a home improvement, given personal, payday and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers with a strong file who want the cheapest rate: Monzo Flex holds its APR at 10% to 23%, well under the top of Finipay's 0% to 212%.
- Anyone who needs to borrow more than €300 to €5,000: Cashspace lists its rate in Philippine pesos at PHP 12 to PHP 36, so it is not a euro answer to a larger sum.
- Shoppers chasing an interest-free headline rate: Cashspace ES shows an APR of 0%, while Finipay's 0% to 212% is the band where a real rate is quoted.
Prestame
Who it suits
- Borrowers after a personal loan or a debt consolidation, since personal and debt consolidation covers both.
- Anyone who needs a small sum quickly, with amounts of €250 to €5,000 and Same day, partners usually answer within minutes.
- Readers happy to complete a form and wait for a partner to reply, since Prestame is a broker.
Who should look elsewhere
- Borrowers who need more than €250 to €5,000, where Monzo Flex covers amounts of £10,000 to £35,000.
- Readers after a bigger loan book, since Cashspace ES starts lower at €100 to €5,000 in the same euro market.
- Anyone who wants to borrow in pesos rather than euros, since Cashspace offers amounts of PHP 500 to PHP 25,000 in pesos.
Current offers
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
Source, checked September 26, 2026
Country by country
| Country | Finipay | Prestame |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finipay
Is there a fee for taking out a Finipay loan?+
No arrangement charge is added. The origination fee is 0 EUR, so the money you arrange does not shrink before it reaches you. What you pay is interest on the loan, and the size of that depends on the rate you are offered and the term you choose.
How much can I borrow, and for how long?+
Loans run €300 to €5,000, and terms run 3 to 60 months. That range is built for short and medium needs such as a repair, a car deposit or a bill to consolidate. It is not a route to a large renovation, because the ceiling is well below what the biggest lenders here arrange.
Prestame
Is Prestame a lender or a broker?+
Prestame is a broker: it passes your details to partner lenders and one of them decides whether to approve you. The rate, the term and the fees come from the partner who answers rather than from Prestame, so read the terms you are handed before you sign.
What does Prestame charge for checking offers?+
The comparison service is 0 EUR (comparison service is free), so asking for offers costs nothing through Prestame. Any charge that ends up inside your agreement comes from the partner lender, which is the number to look at once a partner responds to you.
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