Updated September 28, 2026 · SumCue Editorial Team
Credigenio vs Oney Prestamos
Credigenio
Oney Prestamos
Higher score in this comparison
What sets them apart
| Compare | CredigenioReviewVisitVisit | Oney PrestamosReviewVisitVisit |
|---|---|---|
| Loan amount | MX$1,000 | €1,000 to €45,000 |
| Arrangement fee | 0 MXN | 3% of financed capital (apertura) |
| Funding time | 15-30 minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Loan types | Personal | Personal, Car, Student, BNPLCovers more |
| APR | 0% to 36% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Oney Prestamos scores higher overall: 8.9 vs 8.8.
- Credigenio is available in 1 more country.
- Free early repayment: only Credigenio.
- Support channels: only Credigenio offers Email.
- Support channels: only Oney Prestamos offers Help centre, Phone.
- Features: only Credigenio offers Same day funding.
- Features: only Oney Prestamos offers Rewards.
- Loan types: only Oney Prestamos offers Car, Student, BNPL.
Our verdict on each
Credigenio
Credigenio suits borrowers in Mexico who need a small personal loan in minutes and can clear it early without cost. Its origination fee is 0 MXN and its term runs 3 to 4, so it is worth checking for a short bill rather than a long one.
Oney Prestamos
Oney Prestamos is a direct lender in Spain handing out personal, car, student and buy now pay later loans of €1,000 to €45,000 to people who already hold the card. It suits existing Oney customers who want a decision after a short wait, not borrowers shopping a long fixed term loan.
Score breakdown
| Area | Credigenio | Oney Prestamos |
|---|---|---|
| Cost | 9.5Higher | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. |
| Offer | 8.3APR of 0% to 36%, origination fee of 0 MXN on personal loans. | 9.0Higher |
| Trust | 8.5 | 9.4Higher |
Where they rank in our lists
| Ranking | Credigenio | Oney Prestamos |
|---|---|---|
| Loans | 14 of 2043 | 1 of 2043 |
| Personal loans | 11 of 1317 | 1 of 1317 |
What we checked
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
Oney Prestamos
- oney.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio | Oney Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | Adwells Group OÜ | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Mexico | Spain |
| Support channels | Help centre, Phone |
Credit cards
| Fact | Credigenio | Oney Prestamos |
|---|---|---|
| Annual fee | Not confirmed | €10 |
| Currency conversion fee | Not confirmed | 1% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 5 EUR voucher per 250 EUR of purchases (Tarjeta VISA Club Leroy Merlin) |
| Perks | Not confirmed | Discounts on fuel at Alcampo service stations, Exclusive points and discounts on purchases, 3x 4x Oney deferred payment from 3 up to 12 instalments with your own bank card, Transferencia Directa: transfer money from the card to your bank account when you need it, Free card replacement request and insurance options such as Multiproteccion from 2 EUR per month |
| Card kind | Not confirmed | Credit |
| Audience | Not confirmed | Business |
Personal insurance
| Fact | Credigenio | Oney Prestamos |
|---|---|---|
| Premium from | Not confirmed | €1,000 |
| Insurance types | Not confirmed | Health, Life, Gadget |
| Provider type | Not confirmed | Broker |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Not confirmed | Up to 45,000 EUR |
| Claims channels | Not confirmed | Help centre |
| Age range | Not confirmed | Of legal age only |
Where each stands against the rest
| Fact | Credigenio | Oney Prestamos | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 9.99 |
| Term | 3 to 4 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
Credigenio
Pros
- Origination fee of 0 MXN on a personal loan, so the headline APR is the main cost
- APR of 0% to 36% against a site median of 15.5%
- Funds arrive in 15-30 minutes and the same-day funding feature is listed
Cons
- The term is 3 to 4, far shorter than the site median of 36 months, so a missed instalment lands fast
- Amounts start at MXN 1,000, which suits small sums rather than a large consolidation
- Support runs on email only, so a payment problem means writing rather than phoning
Oney Prestamos
Pros
- Borrowing runs €1,000 to €45,000, and the decision comes after a short wait with the money sent to the account you choose.
- One direct lender, direct lender, covers personal, car and student loans, so the provider you apply to is the one that lends.
- It is listed with Banco de España under 8814 and based in Spain, ES.
Cons
- Opening a loan costs 3% of financed capital (apertura), and free early repayment is no, so paying a loan off in one go carries a charge.
- The credit check is hard, hard, so every application involves a full credit file search before a decision.
- The card is a credit card with €10 a year and 1% on currency conversion, so holding it has a cost of its own.
Who each suits
Credigenio
Who it suits
- Adults in Mexico with valid official identification, an active mobile number and a bank account in their own name
- Borrowers whose file carries a hard credit check but fair credit is enough
- Anyone who values speed: 15-30 minutes to receive the money
Who should look elsewhere
- People after a long repayment period, since the term is 3 to 4 against a site median of 36 months
- Borrowers with a poor credit file, as fair credit is needed and hard applies
- Anyone wanting phone support, since help runs on email only
Oney Prestamos
Who it suits
- Existing Oney card holders in Spain who want a personal loan of €1,000 to €45,000 decided quickly.
- Adults with a clean credit record, since the assessment is a hard credit check, hard.
- People funding home improvement, which is a stated use case, home improvement.
Who should look elsewhere
- Anyone hoping to clear a balance early, since free early repayment is no.
- Borrowers after a much larger facility: Sofkredit lends €12,000 to €300,000.
- Readers outside Spain: Cashspace lends Philippine pesos of PHP 500 to PHP 25,000 and fits a different market.
Current offers
Credigenio
Current offer
First period offer
0% for new customers: 0% CAT on the first loan with selected lenders
Applies with selected lenders; the site's own example shows a 1000$ loan over 91 days at 0% CAT, total repayable 1000$
Source, checked September 26, 2026
Oney Prestamos
Current offer
Bonus
5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent
Card purchase offer; conditions published by leroymerlin.es
Source, checked September 26, 2026
Country by country
| Country | Credigenio | Oney Prestamos |
|---|---|---|
| Mexico | Yes | No |
| Spain | Yes | Yes |
Questions about each
Credigenio
What does it cost to take out a Credigenio loan?+
The origination fee is 0 MXN, and early repayment is free. The APR runs 0% to 36%, so the rate you are offered sits anywhere across that band. The representative example shows a loan with no costs added and a total repayable equal to the amount borrowed, which is one outcome rather than a promise for every application.
How quickly will the money arrive?+
Funding is listed at 15-30 minutes, and same-day funding appears among the published features. On a term of 3 to 4, the money is meant to land while you still have the day to act on it. The amount on offer runs to MXN 1,000.
Oney Prestamos
How much can I borrow from Oney Prestamos?+
Borrowing runs €1,000 to €45,000 from a single direct lender, and the product line covers personal, car, student and buy now pay later loans. Eligibility sets a minimum that sits lower for existing Oney customers than for new applicants, so an established card holder has more room to start small.
What fees apply when I take out a loan?+
Opening a loan adds an arrangement cost of 3% of financed capital (apertura) to the amount borrowed, and free early repayment is no, so clearing the balance ahead of schedule carries a charge. Interest itself follows the rate you are offered after applying rather than one published figure.