Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Oney Prestamos
Credigenio ES
Oney Prestamos
Higher score in this comparison
Where Credigenio ES and Oney Prestamos differ
| Compare | Credigenio ESReviewVisitVisit | Oney PrestamosReviewVisitVisit |
|---|---|---|
| Loan amount | €50 to €5,000 | €1,000 to €45,000Higher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 3% of financed capital (apertura) |
| Funding time | Same day - money can be in your account today | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll required | 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, Payday | Personal, Car, Student, BNPL |
| APR | 0% to 317% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Oney Prestamos scores higher overall: 8.9 vs 8.7.
- Free early repayment: only Credigenio ES.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €50 to €5,000.
- Support channels: only Credigenio ES offers Email.
- Support channels: only Oney Prestamos offers Phone.
- Features: only Credigenio ES offers Same day funding.
- Features: only Oney Prestamos offers Rewards.
- Loan types: only Credigenio ES offers Payday.
- Loan types: only Oney Prestamos offers Car, Student, BNPL.
Our verdict on each
Credigenio ES
Credigenio ES suits borrowers in Spain who need a small amount quickly and can clear it fast. The offer runs from €50 to €5,000 over 3 to 4 at an APR of 0% to 317%, with 0 EUR - no application, opening or management fee. The rate is the part to read twice before applying.
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 ES | 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 | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 9.0Higher |
| Trust | 8.1 | 9.4Higher |
Side by side, item by item
| Loan types | Credigenio ES | Oney Prestamos |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
Where they rank in our lists
| Ranking | Credigenio ES | Oney Prestamos |
|---|---|---|
| Loans | 15 of 2043 | 1 of 2043 |
| Personal loans | 12 of 1317 | 1 of 1317 |
Pick Credigenio ES if, pick Oney Prestamos if
Pick Credigenio ES if cost and free early repayment matter most.
Pick Oney Prestamos if offer and loan amount matter most.
Also worth a look
Sofkredit has loan amount at €12,000 to €300,000, against €50 to €5,000 for Credigenio ES and €1,000 to €45,000 for Oney Prestamos.
Sofkredit reviewEvery fact side by side
| Fact | Credigenio ES | Oney Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Help centre, Phone |
Brokers
| Fact | Credigenio ES | Oney Prestamos |
|---|---|---|
| Audience | Not confirmed | Business |
| Currency conversion fee | Not confirmed | 1% |
Credit cards
| Fact | Credigenio ES | Oney Prestamos |
|---|---|---|
| Annual fee | Not confirmed | €10 |
| 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 |
Personal insurance
| Fact | Credigenio ES | 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 ES | Oney Prestamos | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €50 to €5,000below the median | €1,000 to €45,000above the median | €40,000 |
| 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 ES
Pros
- No application, opening or management charge: 0 EUR - no application, opening or management fee.
- Money can arrive the same day you apply: Same day - money can be in your account today.
- Free early repayment, so clearing the balance early costs nothing extra.
Cons
- The APR range of 0% to 317% puts the cost far above a typical personal loan rate of 15.5%.
- Support runs on email and help centre only, with no phone line or live chat.
- Terms of 3 to 4 leave little room to spread a larger bill over a longer period.
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 ES
Who it suits
- Borrowers living in Spain with a Spanish bank account and demonstrable income who need cash the same day.
- People who can clear the balance well inside 3 to 4 and want to pay nothing for settling early.
- Anyone who treats a no-fee application as the priority, since 0 EUR - no application, opening or management fee rules out setup charges.
Who should look elsewhere
- Anyone wanting a large sum: €50 to €5,000 is far below from €12,000.
- Borrowers who compare rate first, because the APR of 0% to 317% sits above the 36.5% typical of payday loans.
- People who want to talk to someone on the phone, since support runs on email and help centre only, or who would rather use a lender such as Sofkredit with an APR of 10.74% to 18.06%.
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 ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
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 ES | Oney Prestamos |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credigenio ES
How much does a loan from Credigenio ES cost?+
There is no application, opening or management charge, since 0 EUR - no application, opening or management fee applies. All of the cost sits in the interest, with the APR running from 0% to 317%. The representative example puts the total repayable figure well above the amount borrowed, so the added cost is the price of the loan.
What is the fastest I can get money from Credigenio ES?+
Funding time is Same day - money can be in your account today, which is the main appeal of the service. The same day speed applies to approved applications, so if you need cash for a same day payment this is one of the few routes to it. You will need your own account at a Spanish bank for the transfer to land.
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.