Updated September 28, 2026 · BorrowCue Editorial Team
Prestalo vs SoFi
What sets them apart
| Compare |  Prestalo |  SoFi |
|---|---|---|
| Loan amount | €500 to €100,000 | up to $100,000 |
| Term | 1 to 120 monthsHigher | up to 84 months |
| Arrangement fee | 0 EUR | 0 |
| Lender type | Broker | Direct lender |
| Loan types | Personal, Payday, Car, Debt consolidation, Secured | Personal, Student, Debt consolidation, Car, Business |
| APR | 4.1% to 30% | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Money transferred to your bank account, normally within 24 to 48 hours | Not confirmed |
| 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- SoFi scores higher overall: 9.2 vs 8.8.
- Founded is lower at SoFi: 2011 vs 2018.
- Term is higher at Prestalo: 1 to 120 months vs up to 84 months.
- Loan types: only Prestalo offers Payday, Secured.
- Loan types: only SoFi offers Student, Business.
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.
SoFi
SoFi suits US borrowers who want fee-free lending from a direct lender, covering personal, student, car, business and debt consolidation loans plus purchase and remortgage mortgages. Fees run at 0 and 0%, borrowing reaches up to $100,000, the term ceiling is up to 84 and the bank licence is FDIC cert 26881.
Score breakdown
| Area | Prestalo | SoFi |
|---|---|---|
| Cost | 9.4 | 9.5HigherFees of 0 and 0% on a borrowing cap of up to $100,000 |
| 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%. | Not confirmed |
| Trust | 8.3 | 9.0Higher |
What each covers
| Loan types | Prestalo | SoFi |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
A third option
Sofkredit has term at 6 to 240 months, against 1 to 120 months for Prestalo and up to 84 months for SoFi.
Sofkredit reviewHow they place
| Ranking | Prestalo | SoFi |
|---|---|---|
| Personal loans | 60 of 1920 | 490 of 1920 |
| Debt consolidation loans | 22 of 425 | 149 of 425 |
| Mortgages | 5 of 716 | 146 of 716 |
| Remortgage deals | 5 of 351 | 101 of 351 |
| Car loans | 16 of 432 | 125 of 432 |
Every fact side by side
| Fact | Prestalo | SoFi |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | PRESTALO ONLINE, S.L. | SoFi Bank, National Association |
| Headquarters | Spain | United States |
| Founded | 2018 | 2011Lower |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Mortgages
| Fact | Prestalo | SoFi |
|---|---|---|
| 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 | Purchase, Remortgage |
Where each stands against the rest
| Fact | Prestalo | SoFi | Median |
|---|---|---|---|
| APR | 4.1% to 30%lowest quarter | Not confirmed | 8.99 |
| Term | 1 to 120 monthshighest quarter | up to 84 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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.
SoFi
Pros
- Fees of 0 and 0% on the loans listed
- Lends directly rather than through a broker, on direct lender terms
- Borrowing of up to $100,000 with a term ceiling of up to 84
Cons
- Terms stop at up to 84, shorter than the 480 seen across the wider personal loan field
- Lends in the US only, so the £10,000 to £35,000 and €100 to €5,000 ranges sit outside its reach
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.
SoFi
Who it suits
- US residents borrowing for one of the personal, student and debt consolidation purposes
- Anyone who wants purchase and remortgage mortgages from a bank holding FDIC cert 26881
- Borrowers who prefer a fee-free arrangement, since fees are 0 and 0%
Who should look elsewhere
- Borrowers wanting terms beyond up to 84, which is well short of the 480 in the wider market
- Anyone outside the US, where Monzo Flex lends £10,000 to £35,000 in sterling
- Small euro borrowers, who can borrow €100 to €5,000 through Cashspace ES instead
Country by country
| Country | Prestalo | SoFi |
|---|---|---|
| Spain | Yes | No |
| United States | No | Yes |
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.
SoFi
What fees does SoFi charge?+
SoFi charges fees of 0 on the personal and student loans, and the percentage fee is 0%. For car and business loans the same pattern holds. The cost you pay is therefore the interest on the balance, not a set-up charge added on top.
How much can I borrow from SoFi?+
The borrowing cap is up to $100,000. SoFi lends it as personal, student, debt consolidation, car and business loans, and also for purchase and remortgage mortgages. Only SoFi reaches that top figure in this comparison.
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