Updated September 28, 2026 · SumCue Editorial Team
Ibancar Prestamos vs Oney Préstamos ES
Ibancar Prestamos
Higher score in this comparison
Oney Préstamos ES
What sets them apart
| Compare | Ibancar PrestamosReviewVisitVisit | Oney Préstamos ESReviewVisitVisit |
|---|---|---|
| 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 8.7.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €600 to €8,000.
- Support channels: only Ibancar Prestamos offers Email.
- Support channels: only Oney Préstamos ES offers Chat, Community.
- Pricing model: only Ibancar Prestamos offers Fixed rate.
- Pricing model: only Oney Préstamos ES offers Monthly.
- Features: only Ibancar Prestamos offers Same day funding.
- Features: only Oney Préstamos ES offers Rewards.
- Loan types: only Ibancar Prestamos offers Secured.
- Loan types: only Oney Préstamos ES 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 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 | Ibancar Prestamos | Oney Préstamos ES |
|---|---|---|
| Cost | 8.8Higher | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. |
| 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. | 8.9 |
| Trust | 9.4Higher | 8.7 |
How they place
| Ranking | Ibancar Prestamos | Oney Préstamos ES |
|---|---|---|
| Loans | 19 of 2043 | 2 of 2043 |
| Personal loans | 15 of 1317 | 2 of 1317 |
From lowest to highest
| Fact | Ibancar Prestamos | Oney Préstamos ES |
|---|---|---|
| Loan amount | €600 to €8,000 | €1,000 to €45,000 |
Every fact side by side
| Fact | Ibancar Prestamos | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | Ibancar World SL | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Spain | Spain |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre, Community |
Brokers
| Fact | Ibancar Prestamos | Oney Préstamos ES |
|---|---|---|
| Audience | Not confirmed | Business |
| Currency conversion fee | Not confirmed | 1% |
Credit cards
| Fact | Ibancar Prestamos | Oney Préstamos ES |
|---|---|---|
| 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 |
Savings
| Fact | Ibancar Prestamos | 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 | Ibancar Prestamos | Oney Préstamos ES | 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 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
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 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 | Ibancar Prestamos | Oney Préstamos ES |
|---|---|---|
| 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 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.