Updated September 29, 2026 · SumCue Editorial Team
CreditoZen vs Oney Préstamos ES
CreditoZen
Higher score in this comparison
Oney Préstamos ES
What sets them apart
| Compare | CreditoZenReviewVisitVisit | Oney Préstamos ESReviewVisitVisit |
|---|---|---|
| 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
- CreditoZen scores higher overall: 8.9 vs 8.7.
- Origination fee (%) is lower at CreditoZen: 0% vs 3%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €100 to €2,000.
- Support channels: only CreditoZen offers Email.
- Support channels: only Oney Préstamos ES offers Phone, Chat, Community.
- Loan types: only CreditoZen offers Payday.
- Loan types: only Oney Préstamos ES 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 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 | CreditoZen | Oney Préstamos ES |
|---|---|---|
| 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. | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. |
| 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. | 8.9Higher |
| Trust | 8.5 | 8.7Higher |
What each covers
| Loan types | CreditoZen | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
How they place
| Ranking | CreditoZen | Oney Préstamos ES |
|---|---|---|
| Loans | 11 of 2043 | 2 of 2043 |
| Personal loans | 8 of 1317 | 2 of 1317 |
Every fact side by side
| Fact | CreditoZen | Oney Préstamos ES |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Features | Not confirmed | Rewards |
| Legal entity | Ban kos Technology OÜ | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Phone, Chat, Help centre, Community |
Credit cards
| Fact | CreditoZen | 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 | CreditoZen | 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 | CreditoZen | Oney Préstamos ES | 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 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
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 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
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 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 | CreditoZen | Oney Préstamos ES |
|---|---|---|
| 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 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.