Updated September 29, 2026 · BorrowCue Editorial Team
Postbank vs Prestalo
Postbank vs Prestalo: the differences
| Compare |  Postbank |  Prestalo |
|---|---|---|
| APR | 3.25% to 14.3%Lower | 4.1% to 30% |
| Loan amount | €3,000 to €80,000 | €500 to €100,000Higher |
| Term | 12 to 120 months | 1 to 120 months |
| Funding time | A few days: review normally takes two business days, plus a few days until the money arrives | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) | 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 |
| Lender type | Direct lender | Broker |
| Eligibility | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Debt consolidation, Car | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Credit needed | Poor | Good |
| Arrangement fee | Not confirmed | 0 EUR |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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
- Postbank scores higher overall: 9.3 vs 8.8.
- APR is lower at Postbank: 3.25% to 14.3% vs 4.1% to 30%.
- Loan amount is higher at Prestalo: €500 to €100,000 vs €3,000 to €80,000.
- Support channels: only Prestalo offers Chat.
- Loan types: only Prestalo offers Payday, Secured.
Our verdict on each
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
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 | Postbank | Prestalo |
|---|---|---|
| Cost | 9.4 | 9.4 |
| Offer | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. | 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 | 9.2Higher | 8.3 |
Choosing between them
Pick Postbank if offer, trust, and apr matter most.
Pick Prestalo if loan amount and loan types matter most.
Side by side, item by item
| Loan types | Postbank | Prestalo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Use cases | Postbank | Prestalo |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Postbank | Prestalo |
|---|---|---|
| Personal loans | 85 of 1932 | 60 of 1932 |
| Debt consolidation loans | 31 of 425 | 22 of 425 |
| Mortgages | 10 of 719 | 5 of 719 |
| Remortgage deals | 9 of 351 | 5 of 351 |
| Car loans | 21 of 431 | 16 of 431 |
| Home improvement loans | 37 of 562 | 27 of 562 |
Every fact side by side
| Fact | Postbank | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Postbank, a branch of Deutsche Bank AG | PRESTALO ONLINE, S.L. |
| Headquarters | Germany | Spain |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Postbank | Prestalo |
|---|---|---|
| Initial rate | Not confirmed | 2.36% |
| APRC | Not confirmed | 2.97% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | €0 | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Postbank | Prestalo | Median |
|---|---|---|---|
| APR | 3.25% to 14.3%lowest quarter | 4.1% to 30%lowest quarter | 8.99 |
| Loan amount | €3,000 to €80,000highest quarter | €500 to €100,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 1 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
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
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
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
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | Postbank | Prestalo |
|---|---|---|
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
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.
Other options to compare
Other matchups
- Postbank vs Cathay United Bank
- Postbank vs Sofkredit
- Prestalo vs Ibancar Prestamos
- Prestalo vs Wannacash ES
- Prestalo vs Fiesta Credito MX
- Prestalo vs Solcredito MX
- Postbank vs Lendela
- Prestalo vs Creditio
- Postbank vs Commerzbank
- Prestalo vs Consumers Credit Union
- Prestalo vs Upgrade
- Postbank vs CHECK24
- Postbank vs Berliner Volksbank
- Postbank vs MoneyHero
- Postbank vs CitiBank AE
- Postbank vs Borrowell