Prestame ES review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Prestame ES suits Spanish adults who want a personal loan arranged without an upfront charge. It works as a broker rather than a lender, with amounts from from €250, no arrangement fee on the comparison service and money transferred the same day by partner lenders.

Key facts

Best for
Spanish adults who want a personal loan arranged through a broker with no upfront arrangement fee.
Loan amount
from €250 (Source, checked September 26, 2026)
Arrangement fee
0 EUR - no fee charged to the user for the comparison service (Source, checked September 26, 2026)
Funding time
Money transferred the same day by partner lenders (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Natural persons of legal age (adults) (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
KOSMOS EQAV, S.L. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
prestame.es

Pros and cons

Pros

  • No arrangement fee is charged to the user for the comparison service
  • Amounts start from from €250 for personal loans in Spain
  • Money is transferred the same day by partner lenders
  • The service works as a broker, so offers come from several partner lenders

Cons

  • Support runs on email only, so anything urgent waits on email
  • Amounts start from from €250, which sits above the smallest sums some borrowers need
  • The lender kind is a broker, so the rate, the term and the approval come from partner lenders

Ready to try Prestame ES?

Scored 8.4 / 10 by BorrowCue.

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Who it suits

  • Adults in Spain who need a personal loan arranged through a broker rather than one lender
  • Borrowers who want the money moved quickly, since same day funding is the listed feature at same day funding
  • People who would rather pay nothing upfront, as the arrangement fee is listed as no fee charged to the user

Who should look elsewhere

  • Monzo Flex readers who want to borrow far more, since its amounts run £10,000 to £35,000 against from €250 here
  • Cashspace ES readers after a service with a wider stated range, which runs €100 to €5,000
  • Anyone who needs a phone line or live chat, since support runs on email only

Who runs it

Prestame ES is run by KOSMOS EQAV, S.L., based in Spain. The service works as a broker, so a request goes out to partner lenders rather than to an in-house lending book. Personal loans are the product on offer. Applicants have to be natural persons of legal age. Support runs on email, so questions reach the team by email.

How Prestame ES compares

Where Prestame ES is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Prestame ES charge an arrangement fee?+

No. The arrangement fee is listed as no fee charged to the user for the comparison service, so the matching carries no charge upfront. Borrowing starts from from €250 and any cost comes from the offer a partner lender sets.

How much can I borrow through Prestame ES?+

Amounts start from from €250, and the product on offer is a personal loan. As a broker, Prestame ES passes the request to partner lenders, so the final figure depends on what a partner lender approves once it reviews the application.

How quickly is the money sent?+

Same day funding is the listed feature, and the stated timing is that money is transferred the same day by partner lenders. The transfer itself comes from the partner lender that takes the request, so the clock runs from that lender's decision.

Is Prestame ES the lender or a broker?+

It works as a broker, so a request goes out to partner lenders. The rate, the term and the approval decision all come from the lender that responds to the application, which is why the terms on offer can differ from one request to the next.

Who can apply?+

Applicants must be natural persons of legal age, as the eligibility rule states: Natural persons of legal age (adults). The operation is based in Spain, which makes this a service for Spanish borrowers rather than one aimed at applicants in other markets.

How do I get help after applying?+

Support runs on email only, so email is the route to the team. A phone line and live chat are not among the support channels listed, which can slow anything urgent once a request has gone to a partner lender.

Who is behind the service?+

It is run by KOSMOS EQAV, S.L. (KOSMOS EQAV, S.L.), based in Spain. The lender kind is a broker, so partner lenders hold the lending relationship and set the rate and the term on any offer made to a borrower.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Credit check, Representative example.

Prestame ES

Spanish adults who want a personal loan arranged through a broker with no upfront arrangement fee.

8.4/10Visit

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