Rastreator review

Personal loans run at rates of 4.07% to 23.7% across terms of 2 to 96, and the offers listed are fixed-rate (fixed), so the monthly figure holds for the life of the loan. The representative example pairs a personal loan with equal monthly instalments and prints both a nominal and an annual rate.

Amounts run €300 to €60,000 across the personal loans offered, and the types listed include personal, payday and debt consolidation, so the same comparison covers consolidating debts, buying a car or funding a business. Larger purchases sit outside these tables and belong with the mortgage side.

The arrangement fee is free for users, and most lenders in the comparison charge no opening or study fee, with the origination fee at 0%. On the mortgage side the product fee is €0, so the headline rate is not padded with a set-up charge.

The check listed is a soft prequalification (soft prequal), which reads as a rate and credit snapshot rather than a full search. The lender you are matched with may still run its own search before releasing money, and that step sits outside the comparison.

Funding is quoted at 24 hours (Fintonic personal loan offer), which comes from a Fintonic personal loan offer rather than a promise across every lender. Speed comes at a price here: the payday median is 36.5% against 12.25% for personal loans, and terms run 2 to 96 to bring an instalment down.

The loan types listed are personal, payday and debt consolidation, and the mortgage side covers purchase and remortgage at an initial rate of 2%, fixed for 25 and capped at a 80% loan to value. The named use case is home improvement, and those loans share the personal loan tables.

It trades in Spain as RASTREATOR COMPARADOR CORREDURÍA DE SEGUROS S.L.U. and appears with the Banco de Espana under D168 and the Direccion General de Seguros y Fondos de Pensiones under J3257. Because it is a broker, the matched lender sets the final terms.

Applicants must be adults living in Spain, and a DNI number plus a monthly income are needed before the comparison will return offers. If anything is unclear, support runs on chat, phone and email, so help is available by phone, email or chat while the application runs.