Updated September 28, 2026 · SumCue Editorial Team
Credityes ES vs Oney Prestamos
Credityes ES
Higher score in this comparison
Oney Prestamos
What sets them apart
| Compare | Credityes ESReviewVisitVisit | Oney PrestamosReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €5,000 | €1,000 to €45,000Higher |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 3% of financed capital (apertura) |
| Funding time | Money in a few minutes after a positive decision | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | 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 | Personal, Car, Student, BNPL |
| APR | 0% to 36% | Not confirmed |
| Term | 2 to 36 months | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | Not confirmed |
| Free early repayment | Not confirmed | No |
Same on both: Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Origination fee (%) is lower at Credityes ES: 0% vs 3%.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Credityes ES offers Email.
- Support channels: only Oney Prestamos offers Help centre, Phone.
- Features: only Credityes ES offers Same day funding.
- Features: only Oney Prestamos offers Rewards.
- Loan types: only Credityes ES offers Payday.
- Loan types: only Oney Prestamos offers Car, Student, BNPL.
Our verdict on each
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
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 | Credityes ES | Oney Prestamos |
|---|---|---|
| Cost | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. |
| Offer | 8.4 | 9.0Higher |
| Trust | 8.5 | 9.4Higher |
Feature by feature
| Loan types | Credityes ES | Oney Prestamos |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
| Use cases | Credityes ES | Oney Prestamos |
|---|---|---|
| Home improvement | Yes | Yes |
From lowest to highest
| Fact | Credityes ES | Oney Prestamos |
|---|---|---|
| Loan amount | €100 to €5,000 | €1,000 to €45,000 |
Where each is licensed and available
| Country | Credityes ES | Oney Prestamos |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
Sources behind this comparison
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Oney Prestamos
- oney.es: 15 facts, checked September 26, 2026
How they place
| Ranking | Credityes ES | Oney Prestamos |
|---|---|---|
| Loans | 13 of 2043 | 1 of 2043 |
| Personal loans | 10 of 1317 | 1 of 1317 |
Every fact side by side
| Fact | Credityes ES | Oney Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | SIA DoAff | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Latvia | Spain |
| Support channels | Help centre, Phone |
Brokers
| Fact | Credityes ES | Oney Prestamos |
|---|---|---|
| Audience | Not confirmed | Business |
| Currency conversion fee | Not confirmed | 1% |
Credit cards
| Fact | Credityes 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 | Credityes 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 | Credityes ES | Oney Prestamos | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €100 to €5,000below the median | €1,000 to €45,000above the median | €40,000 |
| Term | 2 to 36 monthsbelow the median | Not confirmed | 60 |
| Origination fee (%) | 0%at the median | 3%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
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
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
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 | Credityes ES | Oney Prestamos |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.
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.