Updated September 28, 2026 · BorrowCue Editorial Team
Prestalo vs Santander Consumer BestCredit
Prestalo vs Santander Consumer BestCredit: the differences
| Compare |  Prestalo |  Santander Consumer BestCredit |
|---|---|---|
| APR | 4.1% to 30%Lower | 6.11% to 16.4% |
| Loan amount | €500 to €100,000 | DKK 20,000 to DKK 350,000 |
| Term | 1 to 120 months | 120 months |
| Representative example | 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 | Private loan of 100,000 DKK over 120 months, monthly payment from 1,107-1,625 DKK, nominal variable rate 4.90%-14.95%, APR 6.11%-16.40% |
| Rate type | Fixed | Variable |
| Lender type | Broker | Direct lender |
| Eligibility | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income | Online application signed with MitID, individual credit assessment of income, must not be listed in RKI or the Debitor Register, co-applicant allowed; no age rule stated |
| Loan types | Personal, Payday, Car, Debt consolidation, SecuredCovers more | Personal, Debt consolidation |
| Credit needed | Good | Fair |
| Arrangement fee | 0 EUR | Not confirmed |
| Funding time | Money transferred to your bank account, normally within 24 to 48 hours | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes).
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Key differences
- Santander Consumer BestCredit scores higher overall: 9.3 vs 8.8.
- Santander Consumer BestCredit is licensed in 1 more country.
- Santander Consumer BestCredit is available in 1 more country.
- APR is lower at Prestalo: 4.1% to 30% vs 6.11% to 16.4%.
- Support channels: only Prestalo offers Email, Phone.
- Loan types: only Prestalo offers Payday, Car, Secured.
Our verdict on each
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.
Santander Consumer BestCredit
Santander Consumer BestCredit lends directly in Denmark for personal loans and debt consolidation, and the offer scores 8.1. Interest is variable at 6.11% to 16.4% over a term of 120 months, so it suits borrowers who can pass a credit assessment of income and want a larger, longer loan.
Score breakdown
| Area | Prestalo | Santander Consumer BestCredit |
|---|---|---|
| Cost | 9.4Higher | 9.2 |
| Offer | 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%. | 9.3Higher |
| Trust | 8.3 | 9.2Higher |
Side by side, item by item
| Loan types | Prestalo | Santander Consumer BestCredit |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | No |
A third option
Prestamiau ES has apr at 0% to 36%, against 4.1% to 30% for Prestalo and 6.11% to 16.4% for Santander Consumer BestCredit.
Prestamiau ES reviewHow they place
| Ranking | Prestalo | Santander Consumer BestCredit |
|---|---|---|
| Personal loans | 60 of 1920 | 367 of 1920 |
| Debt consolidation loans | 22 of 425 | 105 of 425 |
Every fact side by side
| Fact | Prestalo | Santander Consumer BestCredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | PRESTALO ONLINE, S.L. | Santander Consumer Bank, filial af Santander Consumer Bank AS, Norge (CVR 30733053) |
| Headquarters | Spain | Denmark |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Chat, Help centre |
Mortgages
| Fact | Prestalo | Santander Consumer BestCredit |
|---|---|---|
| Initial rate | 2.36% | Not confirmed |
| APRC | 2.97% | Not confirmed |
| Fixed period | 25 years | Not confirmed |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Prestalo | Santander Consumer BestCredit | Median |
|---|---|---|---|
| APR | 4.1% to 30%lowest quarter | 6.11% to 16.4%below the median | 8.99 |
| Term | 1 to 120 monthshighest quarter | 120 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
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.
Santander Consumer BestCredit
Pros
- Borrowing at 6.11% to 16.4% sits below the 25.03% upper quartile of the ranking
- A 120 month term ranks 18 of 232 on length
- Free early repayment is offered, alongside 81.2% of lenders on the site
Cons
- The rate is variable, unlike the 80.5% of lenders on the site
- A hard credit check runs against a fair credit requirement
- Support runs on chat and help centre only
Who each suits
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.
Santander Consumer BestCredit
Who it suits
- Borrowers consolidating several smaller debts into one repayment
- Adults with a fair credit profile who can pass a hard check
- Anyone planning to clear a loan early, since free early repayment applies
Who should look elsewhere
- Borrowers wanting a fixed rate, which Monzo Flex offers at 10% to 23%
- Small loans, since amounts run DKK 20,000 to DKK 350,000
- Applicants listed in RKI or the Debitor Register
Current offers
Santander Consumer BestCredit
Current offer
First period offer
Up to two payment-free months per year on the private loan: Up to 2 payment-free months per year
Open a private loan with Santander; applies on top of the loan offer, roughly two payment-free months per year
Source, checked September 26, 2026
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Source, checked September 26, 2026
Country by country
| Country | Prestalo | Santander Consumer BestCredit |
|---|---|---|
| Denmark | No | Yes |
| Norway | No | Yes |
| Spain | Yes | No |
Questions about each
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.
Santander Consumer BestCredit
What does a Santander Consumer BestCredit personal loan cost?+
The personal loan costs 6.11% to 16.4% and the rate is variable, so payments can move with market rates. The published representative example pairs a variable nominal rate with that same APR range, and early repayment carries no charge.
How much can I borrow?+
Loan amounts run DKK 20,000 to DKK 350,000 for both personal and debt consolidation lending. The top of that range is well above the €653,159.33 ceiling of most personal loans in the ranking, which suits larger purchases.
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