Updated September 28, 2026 · BorrowCue Editorial Team
Prestamiau ES vs Sofkredit
What sets them apart
| Compare |  Prestamiau ES |  Sofkredit |
|---|---|---|
| APR | 0% to 36%Lower | 10.74% to 18.06% |
| Loan amount | €100 to €5,000 | €12,000 to €300,000Higher |
| Term | 3 to 6 months | 6 to 240 monthsHigher |
| Arrangement fee | 0 EUR | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Funding time | 5 minutes | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Eligibility | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal, Debt consolidation | Secured, Debt consolidation, Business |
| Credit check | Not confirmed | Soft prequal |
| Origination fee (%) | Not confirmed | 6% to 9% |
Same on both: Lender type (Broker), Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.6.
- Sofkredit is available in 2 more countries.
- APR is lower at Prestamiau ES: 0% to 36% vs 10.74% to 18.06%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €100 to €5,000.
- Term is higher at Sofkredit: 6 to 240 months vs 3 to 6 months.
- Support channels: only Sofkredit offers Phone.
- Loan types: only Prestamiau ES offers Personal.
- Loan types: only Sofkredit offers Secured, Business.
Our verdict on each
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Prestamiau ES | Sofkredit |
|---|---|---|
| Cost | 9.9Higher | 8.5 |
| Offer | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 8.3 | 8.3 |
How they place
| Ranking | Prestamiau ES | Sofkredit |
|---|---|---|
| Loans for bad credit | 4 of 275 | 2 of 275 |
| Debt consolidation loans | 3 of 425 | 2 of 425 |
| Home improvement loans | 3 of 562 | 2 of 562 |
Ranges side by side
| Fact | Prestamiau ES | Sofkredit |
|---|---|---|
| APR | 0% to 36% | 10.74% to 18.06% |
| Loan amount | €100 to €5,000 | €12,000 to €300,000 |
| Term | 3 to 6 months | 6 to 240 months |
Choosing between them
Pick Prestamiau ES if cost and apr matter most.
Pick Sofkredit if offer, loan amount, and term matter most.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Prestamiau ES and 10.74% to 18.06% for Sofkredit.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Prestamiau ES | Sofkredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Kova Finance, S.L. |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Prestamiau ES | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Prestamiau ES | Sofkredit | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 10.74% to 18.06%above the median | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €12,000 to €300,000highest quarter | €40,000 |
| Term | 3 to 6 monthslowest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%highest quarter | 0.25 |
Median across 1005 listed lenders.
Pros and cons
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
Who each suits
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
Country by country
| Country | Prestamiau ES | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| Spain | Yes | Yes |
Questions about each
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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