Updated October 17, 2026 · SumCue Editorial Team
myKredit vs Oney Prestamos
myKredit
Oney Prestamos
Higher score in this comparison
myKredit vs Oney Prestamos: the differences
| Compare | myKreditReviewVisitVisit | Oney PrestamosReviewVisitVisit |
|---|---|---|
| Loan amount | €600 | €1,000 to €45,000Higher |
| Credit check | None | Hard |
| Funding time | funds transferred within 10 minutes of approval | Decision within 48 h, then money sent to the account you choose |
| Eligibility | Adults with a valid DNI or NIE | 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 | Payday | Personal, Car, Student, BNPL |
| Term | 30 months | Not confirmed |
| Arrangement fee | Not confirmed | 3% of financed capital (apertura) |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 3% |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Oney Prestamos scores higher overall: 8.9 vs 8.1.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €600.
- Support channels: only myKredit offers Chat.
- Support channels: only Oney Prestamos offers Help centre, Phone.
- Features: only myKredit offers Same day funding.
- Features: only Oney Prestamos offers Rewards.
- Loan types: only myKredit offers Payday.
- Loan types: only Oney Prestamos offers Personal, Car, Student.
Our verdict on each
myKredit
A captured Spanish privacy-policy module identifies Trive Credit Spain, S.L. as the owner of the mykredit.es website and says the company operates under the trade name MyKredit.
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 | myKredit | Oney Prestamos |
|---|---|---|
| Cost | Not confirmed | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. |
| Offer | 8.1 | 9.0Higher |
| Trust | Not confirmed | 9.4 |
Where they rank in our lists
| Ranking | myKredit | Oney Prestamos |
|---|---|---|
| Loans | 3 of 2043 | 1 of 2043 |
Licences and countries
| Country | myKredit | Oney Prestamos |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
Feature by feature
| Loan types | myKredit | Oney Prestamos |
|---|---|---|
| Personal | No | Yes |
| Payday | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
Also worth a look
Sofkredit has loan amount at €12,000 to €300,000, against €600 for myKredit and €1,000 to €45,000 for Oney Prestamos.
Sofkredit reviewWhere these facts come from
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Oney Prestamos
- oney.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | myKredit | Oney Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | Not confirmed | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Not confirmed | Spain |
| Support channels | Chat | Help centre, Phone |
Credit cards
| Fact | myKredit | 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 | myKredit | 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 | myKredit | Oney Prestamos | Median |
|---|---|---|---|
| Loan amount | €600lowest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 30 monthsbelow the median | Not confirmed | 60 months |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
myKredit
Pros
- The captured policy identifies a website owner and trade name.
Cons
- The statement does not establish lending terms or regulatory status.
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
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
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 | myKredit | Oney Prestamos |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
Who can apply for an Oney Prestamos loan?+
The stated age rule is Of legal age only, and eligibility asks that debts are settled. The credit check is hard, hard, so the assessment reaches your full credit file. Business users are also a stated audience, business.
How quickly is the money sent?+
The lender gives a decision after a short wait, then sends the money to the account you choose. That suits an urgent bill or a planned purchase, though it is not a same day promise. Because Oney is a direct lender, direct lender, the money comes from the provider you apply to.