Updated September 30, 2026 · BorrowCue Editorial Team
Prestame vs Wisr
What sets them apart
| Compare |  Prestame |  Wisr |
|---|---|---|
| Loan amount | €250 to €5,000 | A$5,000 to A$62,000 |
| Arrangement fee | 0 EUR (comparison service is free) | $575 for loans under $20,000; $650 for loans $20,000 - $34,999; $795 for loans $35,000 and over |
| Funding time | Same day, partners usually answer within minutes | Within 24-48 hours of approval; funds can arrive in your bank account on the same day |
| Lender type | Broker | Direct lender |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Car, SecuredCovers more |
| APR | Not confirmed | 8.5% to 25.94% |
| Term | Not confirmed | 36 to 84 months |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | $30,000 over 5 years at 7.59% p.a. (comparison rate 8.50% p.a.) with a $650 establishment fee; monthly repayment $615.47, total cost $36,928.49 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Over 18 years of age; permanent Australian resident living in Australia; gross income over $25,000 p.a.; no unpaid defaults last 5 years; no bankruptcies last 7 years |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
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
- Wisr scores higher overall: 9.1 vs 8.4.
- Support channels: only Wisr offers Phone, Help centre.
- Loan types: only Wisr offers Car, Secured.
Our verdict on each
Prestame
Prestame is a euro comparison broker that sends your details to partner lenders, so it suits borrowers who want several offers checked at once instead of applying to a single lender directly. The comparison service itself costs 0 EUR (comparison service is free), and the loans it places cover €250 to €5,000 with same-day funding.
Wisr
Wisr lends its own money as a direct Australian lender, with fixed-rate personal, consolidation, car and secured loans from 8.5% to 25.94% and money that can land the same day. It suits borrowers with a good credit file and steady income who want a predictable repayment and no charge for clearing the loan early.
Score breakdown
| Area | Prestame | Wisr |
|---|---|---|
| Cost | Not confirmed | 9.1 |
| Offer | 8.4Broker placement with personal and debt consolidation and Same day, partners usually answer within minutes, on amounts of €250 to €5,000. | 9.5HigherDirect lender (direct lender), fixed rates (fixed rate) and same-day funding (same day funding), against an arrangement fee that steps up with the balance. |
| Trust | 8.3 | 8.8Higher |
Feature by feature
| Loan types | Prestame | Wisr |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | No | Yes |
Positions in our rankings
| Ranking | Prestame | Wisr |
|---|---|---|
| Personal loans | 63 of 1920 | 634 of 1920 |
| Debt consolidation loans | 24 of 425 | 211 of 425 |
Availability and regulation
| Country | Prestame | Wisr |
|---|---|---|
| Australia | Not confirmed |
Additional countries for Prestame: 1. Additional countries for Wisr: 1.
Every fact side by side
| Fact | Prestame | Wisr |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | Wisr Finance Pty Ltd (ACN 119 503 221) |
| Headquarters | Not confirmed | Australia |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Prestame | Wisr | Median |
|---|---|---|---|
| APR | Not confirmed | 8.5% to 25.94%below the median | 8.99 |
| Term | Not confirmed | 36 to 84 monthsabove the median | 60 |
Median across 1152 listed lenders.
Pros and cons
Prestame
Pros
- Nothing is paid to the broker for the comparison step, which is 0 EUR (comparison service is free).
- Funding is quick, Same day, partners usually answer within minutes.
- Both personal loans and debt consolidation are covered under personal and debt consolidation.
Cons
- Support runs on email only, so there is no phone or chat desk.
- Prestame is a broker and not the lender, so the rate and the term belong to whichever partner answers.
- The overall score is 3.3 with an offer part of 3.3, so the offer itself is the weak point.
Wisr
Pros
- Direct lender (direct lender), so the money comes from Wisr itself rather than a third party.
- Fixed-rate loans (fixed rate) over terms of 36 to 84, with amounts of AUD 5,000 to AUD 62,000.
- Same-day funding (same day funding) and free early repayment, so clearing the loan ahead of schedule costs nothing.
Cons
- The arrangement fee steps up as the balance borrowed rises, so it bites hardest at the smaller end of the AUD 5,000 to AUD 62,000 range.
- Applications use a hard credit check (hard) and a good credit record is needed (good).
- APR runs 8.5% to 25.94%, with the upper end sitting above the site median 12%.
Who each suits
Prestame
Who it suits
- Borrowers after a personal loan or a debt consolidation, since personal and debt consolidation covers both.
- Anyone who needs a small sum quickly, with amounts of €250 to €5,000 and Same day, partners usually answer within minutes.
- Readers happy to complete a form and wait for a partner to reply, since Prestame is a broker.
Who should look elsewhere
- Borrowers who need more than €250 to €5,000, where Monzo Flex covers amounts of £10,000 to £35,000.
- Readers after a bigger loan book, since Cashspace ES starts lower at €100 to €5,000 in the same euro market.
- Anyone who wants to borrow in pesos rather than euros, since Cashspace offers amounts of PHP 500 to PHP 25,000 in pesos.
Wisr
Who it suits
- Australians on a stable income who already have a good credit record and want a fixed monthly figure.
- Borrowers consolidating debt, funding a car or paying for home improvement who want funds the same day.
- Anyone planning to clear a loan early, since early repayment carries no charge.
Who should look elsewhere
- Monzo Flex, where APR runs 10% to 23%, suits borrowers who want a lower ceiling on the rate.
- Cashspace, with APR of PHP 12 to PHP 36, is the comparison to make if a wider, higher range is acceptable.
Current offers
Wisr
Current offer
Bonus
Power your progress: $1K
Tell us your FY27 goal and go in the running to win $1K; campaign page
Source, checked September 26, 2026
Country by country
| Country | Prestame | Wisr |
|---|---|---|
| Australia | No | Yes |
| Spain | Yes | No |
Questions about each
Prestame
Is Prestame a lender or a broker?+
Prestame is a broker: it passes your details to partner lenders and one of them decides whether to approve you. The rate, the term and the fees come from the partner who answers rather than from Prestame, so read the terms you are handed before you sign.
What does Prestame charge for checking offers?+
The comparison service is 0 EUR (comparison service is free), so asking for offers costs nothing through Prestame. Any charge that ends up inside your agreement comes from the partner lender, which is the number to look at once a partner responds to you.
Wisr
What will a Wisr personal loan cost me?+
Interest is charged at a fixed rate, and APR runs 8.5% to 25.94% over terms of 36 to 84. An arrangement fee applies and steps up as the balance borrowed grows, so the total cost moves with both the rate and the amount you take.
How much can I borrow and over what term?+
Loans run AUD 5,000 to AUD 62,000, with terms of 36 to 84. Borrowing covers personal, debt consolidation, car and secured loans, so one fixed-rate product can fund a planned purchase, a home improvement or a debt tidy up.