Updated September 28, 2026 · SumCue Editorial Team
Mi Prestamo vs Oney Prestamos
Mi Prestamo
Higher score in this comparison
Oney Prestamos
Where Mi Prestamo and Oney Prestamos differ
| Compare | Mi PrestamoReviewVisitVisit | Oney PrestamosReviewVisitVisit |
|---|---|---|
| Loan amount | €200 to €3,000 | €1,000 to €45,000Higher |
| Arrangement fee | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) | 3% of financed capital (apertura) |
| Funding time | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account | Decision within 48 h, then money sent to the account you choose |
| Free early repayment | YesHas it | No |
| Eligibility | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address | 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 | Personal, Car, Student, BNPLCovers more |
| APR | 23% | Not confirmed |
| Term | 2 to 12 months | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Mi Prestamo scores higher overall: 9.1 vs 8.9.
- Free early repayment: only Mi Prestamo.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €200 to €3,000.
- Support channels: only Mi Prestamo offers Chat, Email.
- Pricing model: only Mi Prestamo offers Fixed rate.
- Pricing model: only Oney Prestamos offers Monthly.
- Features: only Mi Prestamo offers Same day funding.
- Features: only Oney Prestamos offers Rewards.
- Loan types: only Oney Prestamos offers Car, Student, BNPL.
Our verdict on each
Mi Prestamo
Mi Prestamo is a Spanish direct lender aimed at small, short personal loans repaid quickly, with cash in hand or in your account within hours of approval. The catch is price: the APR of 23% runs high for the market, and the arrangement fee adds charges on top of the interest.
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 | Mi Prestamo | Oney Prestamos |
|---|---|---|
| Cost | 8.9HigherAPR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. |
| Offer | 9.0 | 9.0 |
| Trust | 9.4 | 9.4 |
How they place
| Ranking | Mi Prestamo | Oney Prestamos |
|---|---|---|
| Loans | 10 of 2043 | 1 of 2043 |
| Personal loans | 7 of 1317 | 1 of 1317 |
Licences and countries
| Country | Mi Prestamo | Oney Prestamos |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
Where these facts come from
Mi Prestamo
- mi-prestamo.es: 16 facts, checked September 26, 2026
Oney Prestamos
- oney.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Mi Prestamo | Oney Prestamos |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | Easy Asset Management Iberia S.L. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Spain | Spain |
| Support channels | Phone, Chat, Email, Help centreCovers more | Help centre, Phone |
Credit cards
| Fact | Mi Prestamo | 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 | Mi Prestamo | 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 | Mi Prestamo | Oney Prestamos | Median |
|---|---|---|---|
| APR | 23%highest quarter | Not confirmed | 9.99% |
| Loan amount | €200 to €3,000lowest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 2 to 12 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
Mi Prestamo
Pros
- Cash is available within hours of approval, paid into your bank account or collected at a Mi Prestamo office.
- Early repayment is free, so finishing ahead of schedule costs nothing extra.
- Eligibility needs no guarantor and no collateral, so nobody else signs and nothing is pledged.
Cons
- The APR of 23% sits above the 14.43% median for personal loans.
- The arrangement fee stacks a solvency assessment charge, a loan management charge and a financial risk charge on top of the interest.
- Terms run 2 to 12, a much shorter window than the 36 personal loan median.
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
Mi Prestamo
Who it suits
- Borrowers in Spain with a Spanish ID, proof of income and a registered Spanish address who need a small sum quickly.
- Anyone able to clear the balance early, since early repayment carries no extra charge.
- Readers comfortable with a hard credit check and a short fixed repayment schedule.
Who should look elsewhere
- Readers who want a cheaper rate, since Sofkredit charges 10.74% to 18.06%.
- Borrowers after a bigger sum, because Creduma ES starts at from €12,000 and Mi Prestamo caps at €200 to €3,000.
- Shoppers in the peso market, since Cashspace quotes PHP 12 to PHP 36 in a different currency and is not a like-for-like swap.
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 | Mi Prestamo | Oney Prestamos |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Mi Prestamo
What does a Mi Prestamo loan cost me?+
The headline rate is an APR of 23%, and the arrangement fee sits on top of that interest. The calculator splits the fee into a solvency assessment fee, a loan management fee and a financial risk fee, so a small loan carries a meaningful share of charges. Early repayment is free, which softens the deal for anyone who finishes ahead of schedule.
How much can I borrow, and over what period?+
The loan runs from €200 to €3,000, with a term of 2 to 12. Because the rate is fixed, the monthly figure holds steady for the whole period and does not change if market rates move. The modest ceiling and short window shape this as a loan for a specific expense rather than a long running commitment.
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.