Updated September 29, 2026 · SumCue Editorial Team
Creduma ES vs Prestalo
Creduma ES
Prestalo
Higher score in this comparison
Where Creduma ES and Prestalo differ
| Compare | Creduma ESReviewVisitVisit | PrestaloReviewVisitVisit |
|---|---|---|
| Loan amount | from €12,000 | €500 to €100,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Money transferred to your bank account, normally within 24 to 48 hours |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Secured, Debt consolidation | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Credit needed | Poor | Good |
| APR | Not confirmed | 4.1% to 30% |
| Term | Not confirmed | 1 to 120 months |
| Representative example | Not confirmed | 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 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
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Key differences
- Prestalo scores higher overall: 8.9 vs 8.8.
- Loan types: only Prestalo offers Personal, Payday, Car.
Our verdict on each
Creduma ES
Creduma suits adults resident in Spain who own a home and seek secured debt consolidation through a broker. Loans start at from €12,000 with prequalification shown as soft prequal and support through email and phone. Funding involves an offer after a short wait with payout after a waiting period following signing.
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 | Creduma ES | Prestalo |
|---|---|---|
| Cost | Not confirmed | 9.3 |
| Offer | 9.2HigherOffer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. | 9.1Fees are 0 EUR on personal loans and €0 on the mortgage, with early repayment free. |
| Trust | 8.5HigherTrust reflects brokerage model described in broker with prequalification shown in soft prequal. | 8.4 |
Licences and countries
| Country | Creduma ES | Prestalo |
|---|---|---|
| Spain | Not confirmed | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda |
Available in 1 country for both.
How they place
| Ranking | Creduma ES | Prestalo |
|---|---|---|
| Loans | 43 of 2043 | 66 of 2043 |
| Mortgages | 3 of 853 | 5 of 853 |
Feature by feature
| Loan types | Creduma ES | Prestalo |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | No | Yes |
Where these facts come from
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Prestalo
- prestalo.com: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | Prestalo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | PRESTALO ONLINE, S.L. |
| Headquarters | Not confirmed | Spain |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Email, Chat, Phone, Help centre |
Mortgages
| Fact | Creduma ES | Prestalo |
|---|---|---|
| Initial rate | Not confirmed | 2.36% |
| APRC | Not confirmed | 2.97% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | €0 | €0 |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creduma ES | Prestalo | Median |
|---|---|---|---|
| APR | Not confirmed | 4.1% to 30%lowest quarter | 9.99 |
| Loan amount | from €12,000below the median | €500 to €100,000highest quarter | €40,000 |
| Term | Not confirmed | 1 to 120 monthshighest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
Creduma ES
Pros
- Secured and debt consolidation focus shown in secured and debt consolidation suits homeowners aiming to combine debts against property value
- Starting loan size of from €12,000 suits larger home equity plans, above Ibancar Prestamos amounts of €600 to €8,000
- Prequalification shown in soft prequal allows initial review with less impact than a full hard check
Cons
- Support runs on email and phone only, which limits choice for people who prefer chat or help centre contact.
- Funding relies on a broker path shown in broker, so approval depends on partner lenders rather than direct lending.
- Borrowing is tied to remortgage and home equity and property collateral, so renters or owners unwilling to pledge a home face a barrier.
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
Creduma ES
Who it suits
- Homeowners in Spain seeking secured borrowing with loans of from €12,000
- Applicants with weaker credit shown as poor who can pledge property as collateral
- Borrowers seeking remortgage or home equity uses shown in remortgage and home equity via a broker shown in broker
Who should look elsewhere
- Renters or borrowers without pledgeable property, where Ibancar Prestamos with amounts of €600 to €8,000 may be more relevant
- Borrowers seeking small unsecured advances, where DKB with amounts of €2,500 to €100,000 may be more relevant
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.
Current offers
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Prestalo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creduma ES
What type of loans does Creduma arrange?+
Creduma arranges secured borrowing and debt consolidation loans shown in secured and debt consolidation. It focuses on home equity and remortgage needs shown in remortgage and home equity. Applicants are adults resident in Spain who own property pledged as collateral. The broker path means terms depend on the matched lender.
How large are Creduma loan amounts?+
Loan sizes start at from €12,000. That level points to larger secured borrowing rather than small unsecured advances. Applicants should compare that starting point with Ibancar Prestamos amounts of €600 to €8,000 and DKB amounts of €2,500 to €100,000 to gauge fit for debt consolidation.
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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