Updated September 28, 2026 · SumCue Editorial Team
Creditilia ES vs Oney Préstamos ES
Creditilia ES
Higher score in this comparison
Oney Préstamos ES
Where Creditilia ES and Oney Préstamos ES differ
| Compare | Creditilia ESReviewVisitVisit | Oney Préstamos ESReviewVisitVisit |
|---|---|---|
| Loan amount | €500 to €50,000Higher | €1,000 to €45,000 |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 3% of financed capital (apertura) |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Origination fee (%) | 0%Lower | 3% |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Car, Student, BNPL |
| APR | 4% to 289% | Not confirmed |
| Term | 3 to 96 months | Not confirmed |
| Representative example | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Free early repayment: only Creditilia ES.
- Origination fee (%) is lower at Creditilia ES: 0% vs 3%.
- Loan amount is higher at Creditilia ES: €500 to €50,000 vs €1,000 to €45,000.
- Support channels: only Creditilia ES offers Email.
- Support channels: only Oney Préstamos ES offers Phone, Chat, Help centre.
- Pricing model: only Creditilia ES offers Fixed rate.
- Pricing model: only Oney Préstamos ES offers Monthly.
- Features: only Creditilia ES offers Same day funding.
- Features: only Oney Préstamos ES offers Rewards.
- Loan types: only Creditilia ES offers Payday, Debt consolidation, Business.
Our verdict on each
Creditilia ES
Creditilia ES suits Spanish adults who want a fixed rate loan sized to €500 to €50,000 and terms of 3 to 96, with home improvement as the stated use. The trade off is the credit check, hard, and contact that runs on email only, so every question and complaint travels in writing.
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 | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Cost | 9.4HigherFees are EUR 0 - no opening, study or early repayment fee and €0; cost sits in the rate spread of 4% to 289%. | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. |
| Offer | 8.6 | 8.9Higher |
| Trust | 8.1 | 8.7Higher |
Licences and countries
| Country | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8.814 |
Available in 1 country for both.
Ranges side by side
| Fact | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Loan amount | €500 to €50,000 | €1,000 to €45,000 |
How they place
| Ranking | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Loans | 55 of 2043 | 2 of 2043 |
| Personal loans | 45 of 1317 | 2 of 1317 |
Every fact side by side
| Fact | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Spain | Spain |
| Support channels | Phone, Chat, Help centre, Community |
Mortgages
| Fact | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Initial rate | 4% | Not confirmed |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Credit cards
| Fact | Creditilia ES | 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 | Creditilia ES | 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 | Creditilia ES | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €500 to €50,000above the median | €1,000 to €45,000above the median | €40,000 |
| Term | 3 to 96 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%at the median | 3%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
Creditilia ES
Pros
- Free early repayment, a feature shared by 79.2% of the borrowing providers listed.
- No opening, study or early repayment fee on a personal loan, with EUR 0 - no opening, study or early repayment fee.
- Fixed rate lending, so the instalment stays put for the life of the loan on fixed rate products.
Cons
- Rates run 4% to 289%, so the cheap end and the dear end of the market sit on the same page and the headline you meet first is rarely the one you are offered.
- Support runs on email only, so a payment problem is handled in writing with no one to call.
- The check is hard and the credit needed is poor, so the route is aimed at files that need help rather than at the strongest ones.
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
Creditilia ES
Who it suits
- Adults in Spain with a DNI or NIE, or a passport, who mainly need money for home improvement.
- Borrowers with a poor credit history who accept a hard check in return for offers across €500 to €50,000.
- Spanish borrowers planning a purchase or a remortgage, both covered by purchase and remortgage.
Who should look elsewhere
- Anyone chasing the lowest cost, since Sofkredit quotes rates of 10.74% to 18.06% while the 4% to 289% spread here runs much wider.
- Borrowers who want a phone line as well as written contact, since support 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
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 | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creditilia ES
What fees does Creditilia ES charge on a personal loan?+
A personal loan carries EUR 0 - no opening, study or early repayment fee, so nothing is taken for setting the loan up, for studying it or for clearing it early. The cost sits in the rate instead, and personal loan rates run 4% to 289%. The representative example shows the shape: a fixed rate, a monthly instalment and a larger total repaid across the term.
How much can I borrow, and for how long?+
Loan sizes are €500 to €50,000, and the term runs 3 to 96. That spread covers a small urgent bill and a larger planned cost inside the same product, and the shorter end of the term keeps the commitment light. With same day funding advertised, a quick need is the clearest fit for this route.
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.
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