Updated September 28, 2026 · BorrowCue Editorial Team
MoneyHero vs Prestalo
Where MoneyHero and Prestalo differ
| Compare |  MoneyHero |  Prestalo |
|---|---|---|
| APR | 1% to 17.81%Lower | 4.1% to 30% |
| Loan amount | HK$100,000 to HK$3,000,000 | €500 to €100,000 |
| Arrangement fee | HKD 0 (comparison service is free of charge; no fee charged to users) | 0 EUR |
| Credit check | Soft prequal | Hard |
| Eligibility | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Debt consolidation, Credit line, Car | Personal, Payday, Car, Debt consolidation, Secured |
| Credit needed | Fair | Good |
| Term | Not confirmed | 1 to 120 months |
| Funding time | Not confirmed | Money transferred to your bank account, normally within 24 to 48 hours |
| 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 |
| Free early repayment | Not confirmed | Yes |
Same on both: Rate type (Fixed), Lender type (Broker), Use cases (Home improvement).
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Key differences
- MoneyHero scores higher overall: 9.0 vs 8.8.
- Founded is lower at MoneyHero: 2015 vs 2018.
- APR is lower at MoneyHero: 1% to 17.81% vs 4.1% to 30%.
- Support channels: only Prestalo offers Chat, Phone.
- Features: only MoneyHero offers Credit line.
- Features: only Prestalo offers Same day funding.
- Loan types: only MoneyHero offers Credit line.
- Loan types: only Prestalo offers Payday, Secured.
Our verdict on each
MoneyHero
MoneyHero is a Hong Kong comparison broker for residents who want a single fee-free search across personal loans, debt consolidation, credit lines and car finance. Loan amounts run HKD 100,000 to HKD 3,000,000 and APR run 1% to 17.81%, and a soft prequal check sits at the quote stage.
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 | MoneyHero | Prestalo |
|---|---|---|
| Cost | 9.7Higher | 9.4 |
| Offer | 9.1HigherFixed-rate products start at an initial rate of 1.88% with an APRC of 1.88%, and both remortgage and home equity sit in range. | 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 | 8.4Higher | 8.3 |
How they place
| Ranking | MoneyHero | Prestalo |
|---|---|---|
| Personal loans | 104 of 1932 | 60 of 1932 |
| Debt consolidation loans | 40 of 425 | 22 of 425 |
| Mortgages | 13 of 719 | 5 of 719 |
| Remortgage deals | 12 of 351 | 5 of 351 |
| Car loans | 25 of 431 | 16 of 431 |
| Home improvement loans | 49 of 562 | 27 of 562 |
From lowest to highest
| Fact | MoneyHero | Prestalo |
|---|---|---|
| APR | 1% to 17.81% | 4.1% to 30% |
Sources behind this comparison
MoneyHero
- moneyhero.com.hk: 16 facts, checked September 26, 2026
Prestalo
- prestalo.com: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | MoneyHero | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | MoneyHero Global Limited | PRESTALO ONLINE, S.L. |
| Headquarters | Hong Kong | Spain |
| Founded | 2015Lower | 2018 |
| Support channels | Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | MoneyHero | Prestalo |
|---|---|---|
| Initial rate | 1.88%Lower | 2.36% |
| APRC | 1.88%Lower | 2.97% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | 80% | 80% |
| Product fee | HK$0 | €0 |
| Purpose | Home equity, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | MoneyHero | Prestalo | Median |
|---|---|---|---|
| APR | 1% to 17.81%lowest quarter | 4.1% to 30%lowest quarter | 8.99 |
| Term | Not confirmed | 1 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
MoneyHero
Pros
- The comparison service is free of charge and no fee is charged to users, so searching costs nothing.
- Applications run a soft prequal, so an early look does not need a full credit file.
- Loan amounts run HKD 100,000 to HKD 3,000,000, well past the €876.96 typical amount on the site.
Cons
- Support runs on email and help centre only, so questions on a live application have no phone route.
- MoneyHero is a broker, so the approval decision and the final contract sit with the partner bank rather than the site.
- The dearest end of 1% to 17.81% sits above the 12% site median, and the products ask for fair credit.
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
MoneyHero
Who it suits
- Hong Kong residents who are adults and want a fee-free search across personal loans, debt consolidation, credit lines and car finance.
- Borrowers who would rather compare partner bank offers once than apply to a single lender.
- Homeowners with equity to release, since the range also covers home equity and remortgage.
Who should look elsewhere
- Borrowers chasing the cheapest headline rate: Cashspace quotes APR of PHP 12 to PHP 36.
- People who want to deal with a single lender instead of a comparison service: Monzo Flex quotes APR of 10% to 23%, while MoneyHero works as a broker.
- Applicants outside the Hong Kong SAR, and minors, since the eligibility terms apply to Hong Kong residents who are adults.
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
MoneyHero
Current offer
Bonus
September tax season thank-you festival, CNCBI $mart Plus instalment loan: HKD 3,300
Apply via MoneyHero during the September tax season campaign; page updated 21 September 2026; subject to terms and conditions
Source, checked September 26, 2026
Country by country
| Country | MoneyHero | Prestalo |
|---|---|---|
| Hong Kong | Yes | No |
| Spain | No | Yes |
Questions about each
MoneyHero
Does MoneyHero charge an arrangement fee?+
The comparison service is free of charge and no fee is charged to users, so nothing is payable for the search itself. On the home equity and remortgage products, the product fee is listed as HKD 0.
Is MoneyHero a lender?+
MoneyHero is a broker, run by MoneyHero Global Limited. That means the site places offers from several partner banks next to each other, and the bank you apply to is the one that decides the rate, the approval and the contract.
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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