Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs Prestalo
CHECK24
Higher score in this comparison
Prestalo
What sets them apart
| Compare | CHECK24ReviewVisitVisit | PrestaloReviewVisitVisit |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 4.1% to 30% |
| Loan amount | €500 to €150,000Higher | €500 to €100,000 |
| Term | 12 to 240 monthsHigher | 1 to 120 months |
| Credit check | Soft prequal | Hard |
| Funding time | as little as 3 minutes at some banks, same day | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) | 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 |
| Loan types | Personal, Debt consolidation | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Eligibility | Not confirmed | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Credit needed | Not confirmed | Good |
Same on both: Arrangement fee (0 EUR), Rate type (Fixed), Lender type (Broker), Free early repayment (Yes), Use cases (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. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- CHECK24 scores higher overall: 9.3 vs 8.9.
- Founded is lower at CHECK24: 1999 vs 2018.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 4.1% to 30%.
- Loan amount is higher at CHECK24: €500 to €150,000 vs €500 to €100,000.
- Term is higher at CHECK24: 12 to 240 months vs 1 to 120 months.
- Pricing model: only CHECK24 offers Monthly.
- Pricing model: only Prestalo offers Fixed rate.
- Loan types: only Prestalo offers Payday, Car, Secured.
Our verdict on each
CHECK24
CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.
Prestalo
Prestalo suits Spanish residents who want a fee-free personal loan fixed at fixed rates, with money in the bank account normally within a day or two. It suits a single market only, since eligibility is limited to Spain and a hard credit check applies.
Score breakdown
| Area | CHECK24 | Prestalo |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.3 |
| Offer | 9.6Higher | 9.1Fees are 0 EUR on personal loans and €0 on the mortgage, with early repayment free. |
| Trust | 8.6Higher | 8.4 |
Which one suits you
Pick CHECK24 if cost, offer, apr, loan amount, and term matter most.
Pick Prestalo if loan types matter most.
Ranges side by side
| Fact | CHECK24 | Prestalo |
|---|---|---|
| APR | 0.68% to 19.92% | 4.1% to 30% |
| Loan amount | €500 to €150,000 | €500 to €100,000 |
| Term | 12 to 240 months | 1 to 120 months |
A third option
Prestamiau ES has apr at 0% to 36%, against 0.68% to 19.92% for CHECK24 and 4.1% to 30% for Prestalo.
Prestamiau ES reviewSources behind this comparison
CHECK24
- kredit.check24.de: 10 facts, checked September 26, 2026
- check24.de: 8 facts, checked September 26, 2026
Prestalo
- prestalo.com: 20 facts, checked September 26, 2026
How they place
| Ranking | CHECK24 | Prestalo |
|---|---|---|
| Loans | 88 of 2043 | 66 of 2043 |
| Personal loans | 74 of 1317 | 55 of 1317 |
| Mortgages | 8 of 853 | 5 of 853 |
Every fact side by side
| Fact | CHECK24 | Prestalo |
|---|---|---|
| Pricing model | Monthly | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | CHECK24 Vergleichsportal GmbH | PRESTALO ONLINE, S.L. |
| Headquarters | Germany | Spain |
| Founded | 1999Lower | 2018 |
| Support channels | Chat, Email, Phone, Help centre | Email, Chat, Phone, Help centre |
Savings
| Fact | CHECK24 | Prestalo |
|---|---|---|
| Headline rate | 3.82% | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | CHECK24 | Prestalo |
|---|---|---|
| Initial rate | 3.43% | 2.36%Lower |
| APRC | 3.5% | 2.97%Lower |
| Fixed period | 10 years | 25 yearsHigher |
| Maximum loan to value | 66% | 80%Higher |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | CHECK24 | Prestalo | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 4.1% to 30%lowest quarter | 9.99 |
| Loan amount | €500 to €150,000highest quarter | €500 to €100,000highest quarter | €40,000 |
| Term | 12 to 240 monthshighest quarter | 1 to 120 monthshighest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
CHECK24
Pros
- Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
- Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
- A single catalogue covering auto, home and life, so most household policies can be compared in one place
Cons
- A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
- The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
- The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted
Prestalo
Pros
- No arrangement fee on personal loans: 0 EUR.
- Early repayment is free, so clearing the balance early costs nothing extra.
- Personal loans run €500 to €100,000 and 1 to 120, so borrowers can size the loan and the term to suit them.
Cons
- The rate is fixed rather than variable, so fixed pricing cannot fall the way a variable rate can.
- A hard credit check applies, hard, so an application creates a full credit file search.
- Prestalo works as a broker, broker, so the lender named in the offer is the party you repay and Prestalo sits in between.
Who each suits
CHECK24
Who it suits
- German households holding several policy types who want one place to compare them all
- Anyone parking cash in easy-access savings while keeping it reachable at any time
- Borrowers who want a soft prequalification before a bank runs a full credit check
Who should look elsewhere
- Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
- People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
- Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24
Prestalo
Who it suits
- Spanish residents with a steady income, since eligibility is open to adults living in Spain with valid DNI or NIE paperwork and stable sufficient income.
- Borrowers who plan to clear the balance early, since free early repayment means overpaying costs no extra charge.
- People who want no arrangement fee, because the origination fee is 0 EUR on personal loans.
Who should look elsewhere
- Anyone outside Spain, since eligibility is tied to residence in Spain and a valid DNI or NIE. Creduma ES also serves euro borrowers, so compare that market.
- People building a credit file from scratch, because the credit check is hard, hard, and a good credit record is expected, good.
- Anyone wanting a variable rate, since the rate type is fixed, fixed. Sofkredit quotes 10.74% to 18.06%, so check that market if falling rates matter more than certainty.
Country by country
| Country | CHECK24 | Prestalo |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | Yes |
Questions about each
CHECK24
Is CHECK24 a bank or an insurer?+
No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.
How much does it cost to use CHECK24?+
There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.
Prestalo
What does a Prestalo personal loan cost?+
The annual percentage rate runs 4.1% to 30% and the rate is fixed, so payments stay level. The origination fee is 0 EUR, and early repayment is free, so clearing the balance early adds nothing. Interest is the cost of the loan.
How long does a Prestalo loan take to arrive?+
Money is transferred to your bank account, normally within a day or two, and same-day funding is listed as a feature, same day funding. Because Prestalo is a broker, the pace depends on the lender it places the application with. Plan on a short wait rather than an instant transfer.
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