Updated September 28, 2026 · BorrowCue Editorial Team
Finipay vs Prestapuffin
What sets them apart
| Compare |  Finipay |  Prestapuffin |
|---|---|---|
| APR | 0% to 212% | 0% to 36% |
| Loan amount | €300 to €5,000 | €100 to €5,000 |
| Term | 3 to 60 months | 2 to 60 months |
| Arrangement fee | 0 EUR | 0 EUR (no commissions) |
| Funding time | Under 24 hours | Deposited straight to your bank account immediately |
| 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% | 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 | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | Residents of Spain aged 18-80 with email address and mobile number |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal |
| Credit needed | Poor | Fair |
| Rate type | Not confirmed | Fixed |
| Use cases | Home improvement | Not confirmed |
Same on both: 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
- Finipay scores higher overall: 8.9 vs 8.8.
- Support channels: only Finipay offers Phone, Help centre.
- Loan types: only Finipay offers Payday, Debt consolidation, 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.
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 | Finipay | Prestapuffin |
|---|---|---|
| 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. | 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 | 8.8Higher | 8.3 |
| Trust | 8.3 | 8.3 |
What each covers
| Loan types | Finipay | Prestapuffin |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | No |
Ranges side by side
| Fact | Finipay | Prestapuffin |
|---|---|---|
| APR | 0% to 212% | 0% to 36% |
| Loan amount | €300 to €5,000 | €100 to €5,000 |
| Term | 3 to 60 months | 2 to 60 months |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Finipay
0 to 26,891.23
0 to 26,891.23
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.
Where these facts come from
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Prestapuffin
- prestapuffin.com: 17 facts, checked September 26, 2026
How they place
| Ranking | Finipay | Prestapuffin |
|---|---|---|
| Personal loans | 19 of 1932 | 5 of 1932 |
| Loans for bad credit | 12 of 275 | 6 of 275 |
Every fact side by side
| Fact | Finipay | Prestapuffin |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Atlantix Media Inc |
| Headquarters | Estonia | Canada |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Finipay | Prestapuffin | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €300 to €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 3 to 60 monthsat 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
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.
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
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.
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
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 | Prestapuffin |
|---|---|---|
| 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.
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.