Updated September 28, 2026 · SumCue Editorial Team
Ibancar Prestamos vs Oney Prestamos
Ibancar Prestamos
Higher score in this comparison
Oney Prestamos
What sets them apart
| Compare | Ibancar PrestamosReviewVisitVisit | Oney PrestamosReviewVisitVisit |
|---|---|---|
| Loan amount | €600 to €8,000 | €1,000 to €45,000Higher |
| Funding time | Same day, up to 24 hours | Decision within 48 h, then money sent to the account you choose |
| Eligibility | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants 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 |
| Loan types | Personal, Car, Secured | Personal, Car, Student, BNPL |
| APR | 12.74% to 13.01% | Not confirmed |
| Term | 12 to 60 months | Not confirmed |
| Arrangement fee | Not confirmed | 3% of financed capital (apertura) |
| Credit check | Not confirmed | Hard |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender).
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Key differences
- Ibancar Prestamos scores higher overall: 9.1 vs 8.9.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €600 to €8,000.
- Support channels: only Ibancar Prestamos offers Email.
- Pricing model: only Ibancar Prestamos offers Fixed rate.
- Pricing model: only Oney Prestamos offers Monthly.
- Features: only Ibancar Prestamos offers Same day funding.
- Features: only Oney Prestamos offers Rewards.
- Loan types: only Ibancar Prestamos offers Secured.
- Loan types: only Oney Prestamos offers Student, BNPL.
Our verdict on each
Ibancar Prestamos
Ibancar Prestamos suits borrowers in Spain who own the car they pledge as collateral and can accept a fixed rate. Money moves in Same day, up to 24 hours, and the 12.74% to 13.01% sits below the site median of 15.5%.
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 | Ibancar Prestamos | Oney Prestamos |
|---|---|---|
| Cost | 8.8Higher | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. |
| Offer | 9.3Higher12.74% to 13.01% and €600 to €8,000 with Same day, up to 24 hours, a narrow 12 to 60 range and poor credit accepted. | 9.0 |
| Trust | 9.4 | 9.4 |
Availability and regulation
| Country | Ibancar Prestamos | Oney Prestamos |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
Pick Ibancar Prestamos if, pick Oney Prestamos if
Pick Ibancar Prestamos if cost and offer matter most.
Pick Oney Prestamos if loan amount matter most.
From lowest to highest
| Fact | Ibancar Prestamos | Oney Prestamos |
|---|---|---|
| Loan amount | €600 to €8,000 | €1,000 to €45,000 |
Side by side, item by item
| Loan types | Ibancar Prestamos | Oney Prestamos |
|---|---|---|
| Personal | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
If neither fits
Sofkredit has loan amount at €12,000 to €300,000, against €600 to €8,000 for Ibancar Prestamos and €1,000 to €45,000 for Oney Prestamos.
Sofkredit reviewHow they place
| Ranking | Ibancar Prestamos | Oney Prestamos |
|---|---|---|
| Loans | 19 of 2043 | 1 of 2043 |
| Personal loans | 15 of 1317 | 1 of 1317 |
Every fact side by side
| Fact | Ibancar Prestamos | Oney Prestamos |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | Ibancar World SL | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Spain | Spain |
| Support channels | Phone, Email, Help centreCovers more | Help centre, Phone |
Brokers
| Fact | Ibancar Prestamos | Oney Prestamos |
|---|---|---|
| Audience | Not confirmed | Business |
| Currency conversion fee | Not confirmed | 1% |
Credit cards
| Fact | Ibancar Prestamos | 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 | Ibancar Prestamos | 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 | Ibancar Prestamos | Oney Prestamos | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | Not confirmed | 9.99 |
| Loan amount | €600 to €8,000below the median | €1,000 to €45,000above the median | €40,000 |
| Term | 12 to 60 monthsat the median | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
Ibancar Prestamos
Pros
- Funding lands in Same day, up to 24 hours, and same-day money is uncommon, since only 30.8% of the site offers it
- The 12.74% to 13.01% sits below the site median of 15.5% and the personal loan ranking median of 14.43%
- Borrowing is a direct arrangement with direct lender, so you deal with the entity named in the representative example rather than a middleman
Cons
- Borrowing is secured on your car, so the vehicle is at stake if you miss payments
- The largest loan is €600 to €8,000, well short of the from €12,000 floor at Creduma ES
- Terms run 12 to 60, narrower than the personal loan ranking span of 1 to 480
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
Ibancar Prestamos
Who it suits
- Drivers in mainland Spain, the Balearic Islands and the Canary Islands who own the car they pledge
- Borrowers listed on ASNEF who need money against a vehicle rather than on income alone
- People who want a fixed monthly cost they can see before signing
Who should look elsewhere
- Anyone who does not own the vehicle they would pledge as collateral
- Borrowers wanting unsecured money, since the largest amount here is €600 to €8,000
- Lenders shopping for a rate floor, as 12.74% to 13.01% starts well above the site median of 15.5%
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
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 | Ibancar Prestamos | Oney Prestamos |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Ibancar Prestamos
What rate will I pay on a secured car loan?+
The 12.74% to 13.01% covers the product, and the pricing is a fixed rate, so the number you agree does not shift with the market. The site median APR of 15.5% shows this loan sits at the cheaper end of the wider field. Always check the figure on your own offer before signing.
How much can I borrow?+
The range is €600 to €8,000, so the smallest and largest advances are fixed. That ceiling is modest, and it is far below the from €12,000 minimum at Creduma ES. The car you pledge is what sets both the amount and the rate you are offered.
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.