Updated September 28, 2026 · SumCue Editorial Team
Credigenio vs Oney Préstamos ES
Credigenio
Higher score in this comparison
Oney Préstamos ES
Where Credigenio and Oney Préstamos ES differ
| Compare | CredigenioReviewVisitVisit | Oney Préstamos ESReviewVisitVisit |
|---|---|---|
| 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
- Credigenio scores higher overall: 8.8 vs 8.7.
- Credigenio is available in 1 more country.
- Free early repayment: only Credigenio.
- Support channels: only Credigenio offers Email.
- Support channels: only Oney Préstamos ES offers Phone, Chat, Help centre.
- Features: only Credigenio offers Same day funding.
- Features: only Oney Préstamos ES offers Rewards.
- Loan types: only Oney Préstamos ES 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 Préstamos ES
Oney Préstamos ES suits Spanish borrowers who want a direct online loan and can live with a decision inside a waiting period. Loan sizes run €1,000 to €45,000, the credit file is searched, and the credit is written by the brand itself rather than a panel of lenders.
Score breakdown
| Area | Credigenio | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5Higher | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. |
| Offer | 8.3APR of 0% to 36%, origination fee of 0 MXN on personal loans. | 8.9Higher |
| Trust | 8.5 | 8.7Higher |
Which one suits you
Pick Credigenio if cost and free early repayment matter most.
Pick Oney Préstamos ES if offer and loan types matter most.
Licences and countries
| Country | Credigenio | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8.814 |
Available in 1 country for both. Additional countries for Credigenio: 1.
Positions in our rankings
| Ranking | Credigenio | Oney Préstamos ES |
|---|---|---|
| Loans | 14 of 2043 | 2 of 2043 |
| Personal loans | 11 of 1317 | 2 of 1317 |
Side by side, item by item
| Loan types | Credigenio | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
Sources behind this comparison
Credigenio
- credigenio.mx: 15 facts, checked September 26, 2026
- financeads.net: 1 fact, checked September 26, 2026
Oney Préstamos ES
- oney.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio | Oney Préstamos ES |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | Adwells Group OÜ | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Mexico | Spain |
| Support channels | Phone, Chat, Help centre, Community |
Credit cards
| Fact | Credigenio | Oney Préstamos ES |
|---|---|---|
| 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 |
Savings
| Fact | Credigenio | Oney Préstamos ES |
|---|---|---|
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | 100% online, no change of bank |
Where each stands against the rest
| Fact | Credigenio | Oney Préstamos ES | 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 Préstamos ES
Pros
- Access is 100% online, no change of bank, so nothing depends on a branch or a meeting.
- A decision comes within a waiting period and the money is then sent to the account of your choice, which suits a planned expense.
- Monthly payments are available, so a loan can be matched to a monthly budget rather than a single large repayment.
Cons
- The credit check is hard, so there is no soft pre-check to run first, unlike the 20.1% of the set that offer one.
- Free early repayment: no, so a plan to clear the balance sooner is worth checking against the terms first.
- An opening fee of 3% of financed capital (apertura) is charged on the amount financed, so a small borrowing carries a visible slice of it.
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 Préstamos ES
Who it suits
- Borrowers in Spain who want a personal loan handled entirely online, with no change of bank.
- Existing Oney customers, who can start below the entry point that applies to new applicants.
- People who want the card and the loan in one place, since the card perks and the lending come from the same firm.
Who should look elsewhere
- bunq Spain, listed from €0, is a bank account for holding money, not a loan of €1,000 to €45,000 repaid monthly.
- bunq, listed from €0, suits everyday card and account banking rather than a planned lump sum that needs a hard credit check.
- Linxea, starting at €25, is a savings and life insurance route for building a pot over time, not a loan settled inside a waiting period.
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 Préstamos ES
Current offer
Bonus
Ahorrar es fácil - reimbursement on Alcampo card purchases: Up to 100 EUR per year
Plan "Ahorrar es fácil", only for purchases paid with the Oney Alcampo card in Alcampo centres
Source, checked September 26, 2026
Country by country
| Country | Credigenio | Oney Préstamos ES |
|---|---|---|
| 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 Préstamos ES
How much can I borrow from Oney Préstamos ES?+
Borrowing runs €1,000 to €45,000, and the entry point is lower for existing Oney customers than for new applicants. The application is 100% online, no change of bank, and a decision comes within a waiting period before the money is sent to the account you choose.
What does it cost to take out a loan?+
The main charge is an opening fee of 3% of financed capital (apertura) on the amount financed, taken when the loan is set up rather than spread across the instalments. Free early repayment: no, so the planned monthly route is the cheapest way to finish.