Prestalo
Prestalo is a Barcelona-based online loan comparison marketplace operating in Spain, aggregating personal loans, quick loans, mortgages, car loans, and debt consolidation offers from 20+ partner banks and lenders. It serves Spanish individual borrowers via a free-to-user platform, earning commission on successful referrals.
- Company typePrivate
- Founded2018
- HeadquartersBarcelona, Spain
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Prestalo does
Prestalo (legally PRESTALO ONLINE, S.L.) is a Barcelona-based online loan comparison and financial intermediation marketplace founded in 2018, operating across Spain. The platform aggregates personal loan (€500–€100,000), quick loan (up to €6,000 in ~15 minutes), mortgage (up to €5,000,000), car loan, and debt consolidation products from more than 20 partner banks and lenders, including Santander, CaixaBank, ING, Cetelem, Cofidis, Abanca, Oney, Younited Credit, Sabadell, Bankinter, Kutxabank, and a set of quick-loan providers. Users complete a 3-minute application on the web platform and receive competing offers in minutes, with funds typically transferred within 24 hours of approval; underwriting and KYC are partially automated via Tink Open Banking integration for income and expense verification.
The underlying technology is a loan comparison engine with real-time integration to partner financial institutions, digital contract signing, and a dedicated application portal (app.prestalo.com). The product is supported by a content marketing and SEO footprint, active social channels (Facebook, X, Instagram, TikTok), and WhatsApp-based customer support. Prestalo is registered in Spain's Registro Estatal de Intermediarios Financieros (No. 878/2018) and holds required civil liability insurance, and is a member of the Asociación Española de Fintech e Insurtech.
Prestalo operates a 100% digital, direct-to-consumer go-to-market with a freemium pricing model: the intermediation service is free for users, and revenue is generated entirely through commission agreements with partner banks and lenders for successful referrals. The company is privately held and bootstrapped, with no disclosed external funding, a small team (11–50 employees), and a leadership structure anchored by co-founders Julian Lundberg (CTO) and Kristoffer Hanson (CEO, also referenced as CPO in some materials).
Prestalo firmographics
Firmographics- Name
- Prestalo
- Legal name
- PRESTALO ONLINE, S.L.
- Website
- https://prestalo.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Prestalo is a Barcelona-based online loan comparison marketplace operating in Spain, aggregating personal loans, quick loans, mortgages, car loans, and debt consolidation offers from 20+ partner banks and lenders. It serves Spanish individual borrowers via a free-to-user platform, earning commission on successful referrals.
- Ownership category
- akta.pro rank
Prestalo industry classification
Industry- Product category
- Online Loan Comparison and Financial Intermediation
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)
- akta.pro secondary industry
- Mortgage Pre-Approval / Prequalification & Lead-to-Loan Retail Origination (FSALAAAN)
Keywords
Where Prestalo is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Prestalo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Bank Commission Intermediation: Prestalo earns revenue through commission agreements with credit institutions and lending companies whose products are offered on the website. The intermediation service provided to users is free of charge. Banks compensate Prestalo for each successful loan referral.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Free intermediation service for consumers |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
Prestalo product offering
Product offeringCore offering
Prestalo operates a free, 100% digital loan comparison and intermediation platform that lets Spanish consumers simulate, compare, and apply for personal loans (€500–€100,000), quick loans (up to €6,000 in ~15 minutes), mortgages (up to €5,000,000), car loans, and debt consolidation products from a network of 20+ partner banks and lenders. Users complete a 3-minute application, receive ranked offers from multiple institutions in real time, and get funded within 24 hours of approval, while Prestalo earns referral commissions from the partner lenders.
Product overview
Prestalo operates a loan comparison and financial intermediation platform (Prestalo Online, S.L.) that aggregates personal loans, quick loans, mortgages, and debt consolidation products from a network of partner banks and lenders. Users complete a single online application, and Prestalo simultaneously compares offers from multiple institutions, presenting the best rates and terms for selection. The platform is accessed via web (prestalo.com) and a dedicated application portal (app.prestalo.com), with the core offerings being personal loan intermediation (up to €60,000), quick loan intermediation (up to €6,000 in ~15 minutes), mortgage intermediation (up to €5,000,000), car loan intermediation through partner lenders, and debt consolidation (up to 40% payment reduction). The service is free for users, with revenue generated through commercial agreements with lending partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan Intermediation (Préstamo Personal) Free online comparison and intermediation of personal loans ranging from €500 to €100,000 with repayment terms of 1 to 120 months. Connects applicants with multiple partner banks and lenders simultaneously to surface the best rate for the user's profile, with no fees charged to the consumer.
- Quick Loan Intermediation (Préstamo Rápido) Free online comparison and intermediation of short-term quick loans up to €6,000, with funds delivered in approximately 15 minutes. Includes options for applicants listed in ASNEF, those without payslip requirements, and unemployed individuals, routed through specialty quick-loan providers such as Vivus, Luzo, Moneyman, Finjet, MyKredit, Dineo, Movinero, and Avinto.
- Mortgage Intermediation (Préstamo Hipotecario) Free online comparison and intermediation of mortgage loans up to €5,000,000, helping users identify the lowest interest rate and fees among partner banks for purchasing a home.
- Debt Consolidation Service (Reunificación de Deudas) Free online comparison and intermediation service that combines multiple existing debts into a single loan, designed to reduce monthly payments by up to 40% and simplify repayment for borrowers managing obligations across multiple lenders.
- Car Loan Intermediation (Préstamo Coche) Specialized free online comparison and intermediation service for vehicle financing, delivered through partner lenders including Cetelem, Younited Credit, Abanca, Oney, CaixaBank, Kutxabank, and Santander.
Quantifiable outcome
- Reduce debt payments by 40% through debt consolidation
- +2 more outcomes
Companies that use Prestalo
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
Prestalo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature2 records
Prestalo partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Partner Banks and Financial Institutions (Cetelem, Cofidis, ING, Santander, CaixaBank, Abanca, Oney, Younited Credit, Sabadell, Bankinter, Kutxabank, and others)corePrestalo maintains partnerships with over 20 banks and financial institutions in Spain. These partners offer their loan products through Prestalo's platform, compensating Prestalo through commission agreements for each successful referral. Partners include major Spanish banks and international financial companies offering personal loans, car loans, mortgages, and quick loans.
- Credimarket (Clabere Negocios, S.L.)minorCredimarket is listed as a partner in the information and communications sector, specifically related to technology services. Located in Sant Cugat del Vallès, Barcelona.
- REPSOL COMERCIALIZADORA DE ELECTRICIDAD Y GAS, S.L.U.minorListed as a third-party partner in the energy supply sector. Based in Santander, Calle Isabel Torres, 19, with NIF B39540760.
- Unión Alcoyana, S.A. de Seguros y ReasegurosminorInsurance company providing Prestalo's civil liability insurance (póliza 44380488) as required for financial intermediation operations.
- Asociación Española de Fintech e InsurtechminorSpanish Fintech and Insurtech association membership indicating industry positioning and compliance with sector standards.
- Quick Loan Providers (Vivus, Luzo, Moneyman, Finjet, MyKredit, Dineo, Movinero, Avinto)corePartnership with multiple quick loan providers offering loans up to 6,000€ with approval in 15 minutes. Some providers offer options for individuals with ASNEF listings or without income documentation.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Prestalo competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Prestalo social profiles
Digital presencePrestalo compliance and trust
Trust signalCompliance2 records
Prestalo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Prestalo leadership team
Management profileNumber of profiles
Profiles6 records
Prestalo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Prestalo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Prestalo
What does Prestalo do?
Prestalo operates a free, 100% digital loan comparison and intermediation platform that lets Spanish consumers simulate, compare, and apply for personal loans (€500–€100,000), quick loans (up to €6,000 in ~15 minutes), mortgages (up to €5,000,000), car loans, and debt consolidation products from a network of 20+ partner banks and lenders. Users complete a 3-minute application, receive ranked offers from multiple institutions in real time, and get funded within 24 hours of approval, while Prestalo earns referral commissions from the partner lenders.
Is Prestalo a public or private company?
Prestalo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Prestalo founded?
Prestalo was founded in 2018. It employs 11 to 50 people.
Where is Prestalo based?
Prestalo is headquartered in Barcelona, Spain, in the Europe region.
How does Prestalo make money?
One revenue line is on record: bank Commission Intermediation.
Does Prestalo have an API?
No public API is recorded for Prestalo.
What industry is Prestalo in?
Prestalo's product category is Online Loan Comparison and Financial Intermediation. Its primary akta.pro industry code is FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial), with a secondary code of FSALAAAN, Mortgage Pre-Approval / Prequalification & Lead-to-Loan Retail Origination. Its NAICS code is 52231 and its SIC code is 6163.