Updated September 29, 2026 · SumCue Editorial Team
CreditoZen vs Oney Prestamos
CreditoZen
Higher score in this comparison
Oney Prestamos
Where CreditoZen and Oney Prestamos differ
| Compare | CreditoZenReviewVisitVisit | Oney PrestamosReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €2,000 | €1,000 to €45,000Higher |
| Arrangement fee | 0 EUR (no hidden fees) | 3% of financed capital (apertura) |
| Funding time | under 24 business hours | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | 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 | Payday, Personal | Personal, Car, Student, BNPL |
| Term | 3 months | Not confirmed |
| Free early repayment | Not confirmed | No |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Origination fee (%) is lower at CreditoZen: 0% vs 3%.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €100 to €2,000.
- Support channels: only CreditoZen offers Email.
- Support channels: only Oney Prestamos offers Phone.
- Loan types: only CreditoZen offers Payday.
- Loan types: only Oney Prestamos offers Car, Student, BNPL.
Our verdict on each
CreditoZen
CreditoZen suits adults in Spain who need a short-term loan with no setup cost, since the origination fee is 0 EUR (no hidden fees). The trade-off is size and pace: €100 to €2,000 over 3, a hard credit check and under 24 business hours to pay out.
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 | CreditoZen | Oney Prestamos |
|---|---|---|
| Cost | 9.5HigherThe origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, with no setup charge on either product type. | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. |
| Offer | 8.6Amounts run €100 to €2,000 over a 3 term, a narrow range beside the from €12,000 and €12,000 to €300,000 of bigger lenders. | 9.0Higher |
| Trust | 8.5 | 9.4Higher |
Choosing between them
Pick CreditoZen if cost and origination fee (%) matter most.
Pick Oney Prestamos if offer, trust, and loan amount matter most.
Feature by feature
| Loan types | CreditoZen | Oney Prestamos |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
From lowest to highest
| Fact | CreditoZen | Oney Prestamos |
|---|---|---|
| Loan amount | €100 to €2,000 | €1,000 to €45,000 |
Availability and regulation
| Country | CreditoZen | Oney Prestamos |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
What we checked
CreditoZen
- creditozen.es: 12 facts, checked September 26, 2026
Oney Prestamos
- oney.es: 15 facts, checked September 26, 2026
How they place
| Ranking | CreditoZen | Oney Prestamos |
|---|---|---|
| Loans | 11 of 2043 | 1 of 2043 |
| Personal loans | 8 of 1317 | 1 of 1317 |
Every fact side by side
| Fact | CreditoZen | Oney Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Features | Not confirmed | Rewards |
| Legal entity | Ban kos Technology OÜ | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Help centre, Phone |
Credit cards
| Fact | CreditoZen | 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 | CreditoZen | 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 | CreditoZen | Oney Prestamos | Median |
|---|---|---|---|
| Loan amount | €100 to €2,000lowest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 3 monthslowest quarter | Not confirmed | 60 months |
| Origination fee (%) | 0%at the median | 3%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
CreditoZen
Pros
- The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so setting up the loan costs nothing on either product.
- Both payday and personal products sit inside €100 to €2,000, so a single application covers a payday loan and a personal loan.
- Payout runs under 24 business hours, short enough to cover a bill inside the working week.
Cons
- Support runs on email and help centre, with no phone line or live chat in that list.
- The term is 3 against a site median of 36, so repayments sit in a compressed window.
- The credit check is hard, and hard checks account for 76.1% of the borrowing group, so a full file decision stands in the way.
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
CreditoZen
Who it suits
- Adults in Spain covering a short gap, since €100 to €2,000 over 3 suits an urgent bill rather than the larger sums Sofkredit arranges at €12,000 to €300,000.
- Borrowers who want a known entry cost, since the origination fee is 0 EUR (no hidden fees) and the sum sought is small next to the from €12,000 at Creduma ES.
- Applicants who accept a hard credit check and prefer a Spanish-resident application rather than a brand working off PHP 500 to PHP 25,000 like Cashspace.
Who should look elsewhere
- Anyone consolidating debt or financing something large, since the €100 to €2,000 range stops well short of the from €12,000 at Creduma ES and the €12,000 to €300,000 at Sofkredit.
- Borrowers who want to talk to someone on the phone, because support runs on email and help centre only.
- Readers who want a lender in another market, since Cashspace works off PHP 500 to PHP 25,000 rather than the €100 to €2,000 offered to Spanish residents.
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
CreditoZen
Current offer
Bonus
Préstamo rápido al 0% de interés: 0% interest, loans up to EUR 2000
Approval and final terms depend on the selected lender
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 | CreditoZen | Oney Prestamos |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
CreditoZen
What does it cost to arrange a loan with CreditoZen?+
The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so nothing is added for setting up either product. Both product types, payday and personal, carry that same setup cost. Interest and repayment come from the partner that takes the application, since CreditoZen is a broker rather than the lender itself.
How much can I borrow and how long do I have to repay?+
Amounts run €100 to €2,000 and the term is 3, so the product is built for a small bridge rather than a large purchase. The products listed are payday and personal, both inside that range. The balance is spread across 3, so the schedule is short and the account closes quickly once it clears.
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.