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Oney Prestamos review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

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.

Key facts

Best for
Borrowing inside Spain when you already hold the Oney card.
Loan amount
€1,000 to €45,000↗
Arrangement fee
3% of financed capital (apertura)↗
Credit check
Hard↗
Funding time
Decision within 48 h, then money sent to the account you choose↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers↗
Origination fee (%)
3%↗
Loan types
Personal, Car, Student, BNPL↗
Use cases
Home-improvement↗
Legal entity
Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324)↗
Headquarters
Spain↗
Support channels
Help-centre, Phone↗
Pricing model
Monthly
Features
Rewards
Official website
oney.es

Credit cards

Annual fee
€10↗
Currency conversion fee
1%↗
Rewards type
Points↗
Rewards rate
5 EUR voucher per 250 EUR of purchases (Tarjeta VISA Club Leroy Merlin)↗
Perks
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
Credit↗
Audience
Business

Personal insurance

Premium from
€1,000↗
Insurance types
Health, Life, Gadget↗
Provider type
Broker↗
Monthly payments
Yes↗
Cover limit
Up to 45,000 EUR↗
Claims channels
Help-centre↗
Age range
Of legal age only↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

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.
  • Support runs on help centre and phone, so you can call or use the help centre.

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.
Oney Prestamos

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Scored 8.9 / 10 by SumCue.

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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.

How Oney Prestamos compares

Where Oney Prestamos is available

Available
Spain
Licence in Spain
Banco de España (8814), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Who regulates Oney?+

The lending entity is Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324), based in Spain, ES, and it is listed in the Banco de España register under 8814. It is registered as a direct lender, direct lender, so the contract is with the provider rather than a broker.

What does the Oney card cost to hold?+

The card is a credit card carrying an annual fee of €10, plus a currency conversion fee of 1% on spending abroad. Rewards come as points rather than cash back, and the wider Oney range also offers a free card replacement request and optional insurance cover.

How do I reach Oney if something goes wrong?+

Support runs on help centre and phone, so you can call or work through the help centre. Claims and complaints also start from the help centre, which means formal cases are handled in the same self service way as everyday questions.

What insurance does the Oney range offer?+

On the insurance side, Oney acts as a broker, broker, covering health, life and gadget cover through health, life and gadget. Policies start at a premium of €1,000 and are paid monthly, so the cover is structured around a monthly budget.

Sources

  • oney.es checked September 26, 2026

    Backs: Features, Insurance types, Perks, Rewards rate, Rewards type

  • oney.es checked September 26, 2026

    Backs: Support channels, Use cases

    “Ayuda - Preguntas frecuentes ... Contacto”

  • oney.es/aviso-legal checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “Oney Servicios Financieros E.F.C., S.A.U ... CIF A-83113324”

  • oney.es/aviso-legal/tarifas-comisiones checked September 26, 2026

    Backs: Annual fee, Card kind, Free early repayment, Currency conversion fee, Arrangement fee, Origination fee (%)

    “FINANCIACIÓN PRÉSTAMO O CRÉDITO NO HIPOTECARIO - Apertura 3% s/ capital financiado”

  • oney.es/faqs checked September 26, 2026

    Backs: Claims channels

    “SEGUROS - Siniestros”

  • oney.es/prestamos checked September 26, 2026

    Backs: Age range, Loan amount, Audience, Cover limit, Credit check, Eligibility, Funding time, Loan types, Premium from

    “3x 4x Oney Empresas”

  • oney.es/seguros/hospitalizacion checked September 26, 2026

    Backs: Provider type, Pricing model, Monthly payments

    “Desde 9,35€/mes”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Representative example.

Oney Prestamos

Oney Prestamos

Borrowing inside Spain when you already hold the Oney card.

8.9/10Visit