Updated September 28, 2026 · SumCue Editorial Team
Creditilia ES vs Prestalo
Creditilia ES
Prestalo
Higher score in this comparison
Where Creditilia ES and Prestalo differ
| Compare | Creditilia ESReviewVisitVisit | PrestaloReviewVisitVisit |
|---|---|---|
| APR | 4% to 289%Lower | 4.1% to 30% |
| Loan amount | €500 to €50,000 | €500 to €100,000Higher |
| Term | 3 to 96 months | 1 to 120 monthsHigher |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 EUR |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee | 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 |
| Lender type | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Payday, Car, Debt consolidation, Secured |
| Credit needed | Poor | Good |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Prestalo scores higher overall: 8.9 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 4.1% to 30%.
- Loan amount is higher at Prestalo: €500 to €100,000 vs €500 to €50,000.
- Term is higher at Prestalo: 1 to 120 months vs 3 to 96 months.
- Support channels: only Prestalo offers Chat, Phone, Help centre.
- Loan types: only Creditilia ES offers Business, Guarantor.
- Loan types: only Prestalo offers Secured.
Our verdict on each
Creditilia ES
Creditilia ES suits Spanish adults who want a fixed rate loan sized to €500 to €50,000 and terms of 3 to 96, with home improvement as the stated use. The trade off is the credit check, hard, and contact that runs on email only, so every question and complaint travels in writing.
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 | Creditilia ES | Prestalo |
|---|---|---|
| Cost | 9.4HigherFees are EUR 0 - no opening, study or early repayment fee and €0; cost sits in the rate spread of 4% to 289%. | 9.3 |
| Offer | 8.6 | 9.1HigherFees are 0 EUR on personal loans and €0 on the mortgage, with early repayment free. |
| Trust | 8.1 | 8.4Higher |
Side by side, item by item
| Loan types | Creditilia ES | Prestalo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | Yes | No |
| Guarantor | Yes | No |
| Use cases | Creditilia ES | Prestalo |
|---|---|---|
| Home improvement | Yes | Yes |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditilia ES
628.63 to 76,736.69
628.63 to 76,736.69
Prestalo
644.66 to 5,282.57
644.66 to 5,282.57
Creditilia ES comes out 16.03 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
If neither fits
Sofkredit has loan amount at €12,000 to €300,000, against €500 to €50,000 for Creditilia ES and €500 to €100,000 for Prestalo.
Sofkredit reviewHow they place
| Ranking | Creditilia ES | Prestalo |
|---|---|---|
| Loans | 55 of 2043 | 66 of 2043 |
| Personal loans | 45 of 1317 | 55 of 1317 |
| Payday and short-term loans | 25 of 233 | 31 of 233 |
| Mortgages | 4 of 853 | 5 of 853 |
Every fact side by side
| Fact | Creditilia ES | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | PRESTALO ONLINE, S.L. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Prestalo |
|---|---|---|
| Initial rate | 4% | 2.36%Lower |
| APRC | 4.12% | 2.97%Lower |
| Fixed period | 5 years | 25 yearsHigher |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | €0 | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | Prestalo | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 4.1% to 30%lowest quarter | 9.99 |
| Loan amount | €500 to €50,000above the median | €500 to €100,000highest quarter | €40,000 |
| Term | 3 to 96 monthshighest quarter | 1 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Creditilia ES
Pros
- Free early repayment, a feature shared by 79.2% of the borrowing providers listed.
- No opening, study or early repayment fee on a personal loan, with EUR 0 - no opening, study or early repayment fee.
- Fixed rate lending, so the instalment stays put for the life of the loan on fixed rate products.
Cons
- Rates run 4% to 289%, so the cheap end and the dear end of the market sit on the same page and the headline you meet first is rarely the one you are offered.
- Support runs on email only, so a payment problem is handled in writing with no one to call.
- The check is hard and the credit needed is poor, so the route is aimed at files that need help rather than at the strongest ones.
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
Creditilia ES
Who it suits
- Adults in Spain with a DNI or NIE, or a passport, who mainly need money for home improvement.
- Borrowers with a poor credit history who accept a hard check in return for offers across €500 to €50,000.
- Spanish borrowers planning a purchase or a remortgage, both covered by purchase and remortgage.
Who should look elsewhere
- Anyone chasing the lowest cost, since Sofkredit quotes rates of 10.74% to 18.06% while the 4% to 289% spread here runs much wider.
- Borrowers who want a phone line as well as written contact, since support runs on email only.
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 | Creditilia ES | Prestalo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creditilia ES
What fees does Creditilia ES charge on a personal loan?+
A personal loan carries EUR 0 - no opening, study or early repayment fee, so nothing is taken for setting the loan up, for studying it or for clearing it early. The cost sits in the rate instead, and personal loan rates run 4% to 289%. The representative example shows the shape: a fixed rate, a monthly instalment and a larger total repaid across the term.
How much can I borrow, and for how long?+
Loan sizes are €500 to €50,000, and the term runs 3 to 96. That spread covers a small urgent bill and a larger planned cost inside the same product, and the shorter end of the term keeps the commitment light. With same day funding advertised, a quick need is the clearest fit for this route.
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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