Updated October 17, 2026 · SumCue Editorial Team
myKredit vs Oney Préstamos ES
myKredit
Oney Préstamos ES
Higher score in this comparison
myKredit vs Oney Préstamos ES: the differences
| Compare | myKreditReviewVisitVisit | Oney Préstamos ESReviewVisitVisit |
|---|---|---|
| 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 Préstamos ES scores higher overall: 8.7 vs 8.1.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €600.
- Support channels: only Oney Préstamos ES offers Phone, Help centre, Community.
- Features: only myKredit offers Same day funding.
- Features: only Oney Préstamos ES offers Rewards.
- Loan types: only myKredit offers Payday.
- Loan types: only Oney Préstamos ES 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 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 | myKredit | Oney Préstamos ES |
|---|---|---|
| Cost | Not confirmed | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. |
| Offer | 8.1 | 8.9Higher |
| Trust | Not confirmed | 8.7 |
Availability and regulation
| Country | myKredit | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8.814 |
Available in 1 country for both.
Where these facts come from
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Oney Préstamos ES
- oney.es: 15 facts, checked September 26, 2026
How they place
| Ranking | myKredit | Oney Préstamos ES |
|---|---|---|
| Loans | 3 of 2043 | 2 of 2043 |
Every fact side by side
| Fact | myKredit | Oney Préstamos ES |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Features | Same day funding | Rewards |
| Legal entity | Not confirmed | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Not confirmed | Spain |
| Support channels | Chat | Phone, Chat, Help centre, CommunityCovers more |
Credit cards
| Fact | myKredit | Oney Préstamos ES |
|---|---|---|
| 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 |
Savings
| Fact | myKredit | 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 | myKredit | Oney Préstamos ES | 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 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
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
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 | myKredit | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
Who can apply?+
You have to be an adult with nothing left in arrears, and the age rule is set as Of legal age only. The credit check is hard, so the file is searched before any offer is made, and the entry amount is lower for existing customers than for new applicants.
Is Oney Préstamos ES regulated?+
Banco de España supervises the firm, and the licence to look up is 8.814. On the lending side it is a direct lender, so the same company that runs the application is the one you owe, which matters most when a payment goes wrong.