Updated September 28, 2026 · BorrowCue Editorial Team
Prestalo vs Youmoney ES
What sets them apart
| Compare |  Prestalo |  Youmoney ES |
|---|---|---|
| APR | 4.1% to 30% | 0% to 349%Lower |
| Loan amount | €500 to €100,000Higher | €50 to €1,000 |
| Term | 1 to 120 monthsHigher | 0.23 to 36 months |
| Funding time | Money transferred to your bank account, normally within 24 to 48 hours | 15 minutes to 24 hours |
| 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 | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Rate type | Fixed | Variable |
| Eligibility | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday, Car, Debt consolidation, SecuredCovers more | Personal, Payday, Secured |
| Credit needed | Good | Poor |
| Free early repayment | Yes | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Credit check (Hard), Lender type (Broker).
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
- Youmoney ES scores higher overall: 8.9 vs 8.8.
- APR is lower at Youmoney ES: 0% to 349% vs 4.1% to 30%.
- Loan amount is higher at Prestalo: €500 to €100,000 vs €50 to €1,000.
- Term is higher at Prestalo: 1 to 120 months vs 0.23 to 36 months.
- Support channels: only Prestalo offers Phone.
- Loan types: only Prestalo offers Car, Debt consolidation.
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Prestalo | Youmoney ES |
|---|---|---|
| Cost | 9.4 | 9.9Higher |
| Offer | 9.0HigherPersonal 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%. | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.3 | 8.3 |
Where each is licensed and available
| Country | Prestalo | Youmoney ES |
|---|---|---|
| Spain | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda | Not confirmed |
Available in 1 country for both.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 4.1% to 30% for Prestalo and 0% to 349% for Youmoney ES.
FINANZCHECK.de reviewWhere these facts come from
Prestalo
- prestalo.com: 20 facts, checked September 26, 2026
Youmoney ES
- youmoney.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Prestalo | Youmoney ES |
|---|---|---|
| Personal loans | 60 of 1932 | 31 of 1932 |
| Payday and short-term loans | 30 of 246 | 13 of 246 |
| Secured loans | 9 of 472 | 4 of 472 |
Every fact side by side
| Fact | Prestalo | Youmoney ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | PRESTALO ONLINE, S.L. | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Help centre |
Mortgages
| Fact | Prestalo | Youmoney ES |
|---|---|---|
| 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 | Youmoney ES | Median |
|---|---|---|---|
| APR | 4.1% to 30%lowest quarter | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €500 to €100,000highest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 1 to 120 monthshighest quarter | 0.23 to 36 monthsbelow the median | 60 |
Median across 1005 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.
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
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.
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
Current offers
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Prestalo | Youmoney ES |
|---|---|---|
| Spain | Yes | 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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.
Other options to compare
Other matchups
- Prestalo vs Cathay United Bank
- Prestalo vs Sofkredit
- Youmoney ES vs Credityes ES
- Youmoney ES vs CreditoZen
- Youmoney ES vs Pezetita
- Youmoney ES vs Fidea
- Prestalo vs Fiesta Credito MX
- Prestalo vs Lendela
- Prestalo vs Creditio
- Prestalo vs Commerzbank
- Prestalo vs Postbank
- Prestalo vs Consumers Credit Union
- Prestalo vs Upgrade
- Prestalo vs CHECK24
- Prestalo vs MoneyHero
- Prestalo vs CitiBank AE
- Prestalo vs Borrowell