Updated September 28, 2026 · BorrowCue Editorial Team
Finteres vs Prestamiau ES
Where Finteres and Prestamiau ES differ
| Compare |  Finteres |  Prestamiau ES |
|---|---|---|
| Term | 3 to 4 months | 3 to 6 monthsHigher |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | 5 minutes |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal, Debt consolidation |
| Credit check | Soft prequal | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: APR (0% to 36%), Loan amount (€100 to €5,000), Arrangement fee (0 EUR), Lender type (Broker), Credit needed (Poor).
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.8.
- Term is higher at Prestamiau ES: 3 to 6 months vs 3 to 4 months.
- Support channels: only Finteres offers Phone.
- Loan types: only Finteres offers Payday, Car.
Our verdict on each
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Score breakdown
| Area | Finteres | Prestamiau ES |
|---|---|---|
| Cost | 9.5Arrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. | 9.9Higher |
| Offer | 8.7Higher | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 8.3 | 8.3 |
Ranges side by side
| Fact | Finteres | Prestamiau ES |
|---|---|---|
| APR | 0% to 36% | 0% to 36% |
| Loan amount | €100 to €5,000 | €100 to €5,000 |
| Term | 3 to 4 months | 3 to 6 months |
Availability and regulation
Available in 1 country for both.
A third option
Sofkredit has term at 6 to 240 months, against 3 to 4 months for Finteres and 3 to 6 months for Prestamiau ES.
Sofkredit reviewSources behind this comparison
Finteres
- finteres.es: 17 facts, checked September 26, 2026
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
How they place
| Ranking | Finteres | Prestamiau ES |
|---|---|---|
| Personal loans | 27 of 1932 | 3 of 1932 |
| Loans for bad credit | 16 of 275 | 4 of 275 |
| Debt consolidation loans | 10 of 425 | 3 of 425 |
Every fact side by side
| Fact | Finteres | Prestamiau ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | Fininity OU |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Phone, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Finteres | Prestamiau ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 3 to 6 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
Who each suits
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
Current offers
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Finteres | Prestamiau ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.