Updated September 28, 2026 · BorrowCue Editorial Team
Prestalo vs Verivox
What sets them apart
| Compare |  Prestalo |  Verivox |
|---|---|---|
| APR | 4.1% to 30% | 0.68% to 10.99%Lower |
| Term | 1 to 120 months | 12 to 120 months |
| Arrangement fee | 0 EUR | 0 |
| Credit check | Hard | Soft prequal |
| Funding time | Money transferred to your bank account, normally within 24 to 48 hours | Instant payout within 3 minutes via account check; many partner banks pay out within 24 hours of approval |
| 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 | 20,000 EUR net loan over 84 months at 8.38% effective annual rate, 312.47 EUR monthly instalment, 26,247.48 EUR total |
| Eligibility | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income | Minimum age 18, permanent residence in Germany and a German bank account |
| Loan types | Personal, Payday, Car, Debt consolidation, SecuredCovers more | Personal, Debt consolidation, Car |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Good | Not confirmed |
Same on both: Loan amount (€500 to €100,000), Rate type (Fixed), Lender type (Broker), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Verivox scores higher overall: 9.2 vs 8.8.
- Founded is lower at Verivox: 1998 vs 2018.
- APR is lower at Verivox: 0.68% to 10.99% vs 4.1% to 30%.
- Loan types: only Prestalo offers Payday, 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.
Verivox
Verivox is a German broker rather than a lender, so it suits borrowers comparing fixed rate instalment loans, car finance and debt consolidation in one place. The quoted APR runs 0.68% to 10.99% and the arrangement fee sits at 0, with a soft prequalification check first.
Score breakdown
| Area | Prestalo | Verivox |
|---|---|---|
| Cost | 9.4 | 9.5HigherArrangement and product fees are 0 and €0, and quoted APRs run 0.68% to 10.99% against a 12% site median. |
| 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 | 8.8Higher |
Ranges side by side
| Fact | Prestalo | Verivox |
|---|---|---|
| APR | 4.1% to 30% | 0.68% to 10.99% |
| Loan amount | €500 to €100,000 | €500 to €100,000 |
| Term | 1 to 120 months | 12 to 120 months |
Where these facts come from
Prestalo
- prestalo.com: 20 facts, checked September 26, 2026
Verivox
- verivox.de: 20 facts, checked September 26, 2026
How they place
| Ranking | Prestalo | Verivox |
|---|---|---|
| Personal loans | 60 of 1920 | 501 of 1920 |
| Debt consolidation loans | 22 of 425 | 152 of 425 |
| Mortgages | 5 of 716 | 150 of 716 |
| Remortgage deals | 5 of 351 | 104 of 351 |
| Car loans | 16 of 432 | 131 of 432 |
| Home improvement loans | 27 of 562 | 205 of 562 |
Every fact side by side
| Fact | Prestalo | Verivox |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | PRESTALO ONLINE, S.L. | Verivox Finanzvergleich GmbH |
| Headquarters | Spain | Germany |
| Founded | 2018 | 1998Lower |
| Support channels | Email, Chat, Phone, Help centre | Phone, Email, Chat, Help centre |
Mortgages
| Fact | Prestalo | Verivox |
|---|---|---|
| Initial rate | 2.36%Lower | 4.37% |
| APRC | 2.97% | Not confirmed |
| Fixed period | 25 yearsHigher | 5 years |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | €0 | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Prestalo | Verivox | Median |
|---|---|---|---|
| APR | 4.1% to 30%lowest quarter | 0.68% to 10.99%lowest quarter | 8.99 |
| Loan amount | €500 to €100,000highest quarter | €500 to €100,000highest quarter | €40,000 |
| Term | 1 to 120 monthshighest quarter | 12 to 120 monthshighest quarter | 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.
Verivox
Pros
- Arrangement fee of 0 and a product fee of €0 on the loans it quotes.
- Quoted APRs run 0.68% to 10.99% against a 12.25% median for personal loans on this site.
- The credit check listed is a soft prequalification, and same day funding funding is offered.
Cons
- Verivox is a broker, so the loan contract sits with a partner bank and the final terms are set there.
- Business lending is not among its listed loan types (personal, debt consolidation and car) or its use cases (home improvement).
- Every loan listed is fixed rate at a fixed rate, so a variable option is not among them.
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.
Verivox
Who it suits
- German residents with a German bank account who want fixed rate instalment loans compared in one place.
- Borrowers consolidating debt, financing a car or funding home improvement, since personal, debt consolidation and car and home improvement cover those purposes.
Who should look elsewhere
- Borrowers outside Germany or without a German bank account, as Verivox needs permanent residence in Germany and a local account, with Cashspace at PHP 12 to PHP 36 as another market to check.
- Anyone needing a variable rate or a business facility, since Verivox lists fixed rate loans and the purposes in personal, debt consolidation and car only, with Monzo Flex at 10% to 23% for comparison.
Current offers
Verivox
Current offer
Bonus
Nirgendwo-Guenstiger-Garantie: Up to 300 EUR interest difference refunded
Applies to the same instalment loan taken via Verivox; payout as a one-off payment to the account.
Source, checked September 26, 2026
Country by country
| Country | Prestalo | Verivox |
|---|---|---|
| Germany | 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.
Verivox
What does Verivox charge for arranging a loan?+
Nothing to pay to use the comparison. The arrangement fee on the loans it quotes is 0, the percentage element is 0% and the product fee is €0. What follows is the interest on the loan itself and the instalments you agree.
What APR can I expect on a consumer loan?+
The rates listed for consumer loans run 0.68% to 10.99%, which puts the stronger end of that range below the 12% median for personal loans here. Those rates go to the strongest files, so read 0.68% to 10.99% as a headline rather than a promise.
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