Updated September 28, 2026 · SumCue Editorial Team
Oney Prestamos vs Prestamiau ES
Oney Prestamos
Prestamiau ES
Higher score in this comparison
Where Oney Prestamos and Prestamiau ES differ
| Compare | Oney PrestamosReviewVisitVisit | Prestamiau ESReviewVisitVisit |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €100 to €5,000 |
| Arrangement fee | 3% of financed capital (apertura) | 0 EUR |
| Funding time | Decision within 48 h, then money sent to the account you choose | 5 minutes |
| Lender type | Direct lender | Broker |
| 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 | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Car, Student, BNPL | Personal, Debt consolidation |
| APR | Not confirmed | 0% to 36% |
| Term | Not confirmed | 3 to 6 months |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 3% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Prestamiau ES scores higher overall: 9.0 vs 8.9.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Oney Prestamos offers Phone.
- Support channels: only Prestamiau ES offers Email.
- Features: only Oney Prestamos offers Rewards.
- Features: only Prestamiau ES offers Same day funding.
- Loan types: only Oney Prestamos offers Car, Student, BNPL.
- Loan types: only Prestamiau ES offers Debt consolidation.
Our verdict on each
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.
Prestamiau ES
Prestamiau ES is a small, fast broker loan for adults in Spain who need a modest sum quickly, with an origination fee of 0 EUR and funding in 5 minutes. It suits urgent costs rather than planned borrowing, and the short term means the bill lands sooner than most.
Score breakdown
| Area | Oney Prestamos | Prestamiau ES |
|---|---|---|
| Cost | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. | 9.9Higher |
| Offer | 9.0Higher | 8.6APR runs 0% to 36% with an origination fee of 0 EUR, and poor credit is accepted, though terms are short at 3 to 6. |
| Trust | 9.4Higher | 8.5 |
If neither fits
Sofkredit has loan amount at €12,000 to €300,000, against €1,000 to €45,000 for Oney Prestamos and €100 to €5,000 for Prestamiau ES.
Sofkredit reviewHow they place
| Ranking | Oney Prestamos | Prestamiau ES |
|---|---|---|
| Loans | 1 of 2043 | 6 of 2043 |
| Personal loans | 1 of 1317 | 3 of 1317 |
Every fact side by side
| Fact | Oney Prestamos | Prestamiau ES |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Features | Rewards | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Fininity OU |
| Headquarters | Spain | Estonia |
| Support channels | Help centre, Phone | Email, Help centre |
Credit cards
| Fact | Oney Prestamos | Prestamiau ES |
|---|---|---|
| Annual fee | €10 | Not confirmed |
| Currency conversion fee | 1% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Rewards rate | 5 EUR voucher per 250 EUR of purchases (Tarjeta VISA Club Leroy Merlin) | Not confirmed |
| 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 | Not confirmed |
| Card kind | Credit | Not confirmed |
| Audience | Business | Not confirmed |
Personal insurance
| Fact | Oney Prestamos | Prestamiau ES |
|---|---|---|
| Premium from | €1,000 | Not confirmed |
| Insurance types | Health, Life, Gadget | Not confirmed |
| Provider type | Broker | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Cover limit | Up to 45,000 EUR | Not confirmed |
| Claims channels | Help centre | Not confirmed |
| Age range | Of legal age only | Not confirmed |
Where each stands against the rest
| Fact | Oney Prestamos | Prestamiau ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 9.99 |
| Loan amount | €1,000 to €45,000above the median | €100 to €5,000below the median | €40,000 |
| Term | Not confirmed | 3 to 6 monthslowest quarter | 60 |
| Origination fee (%) | 3%highest quarter | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
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.
Prestamiau ES
Pros
- Money moves fast: funding takes 5 minutes and same day funding is listed.
- The origination fee is listed as 0 EUR, and the representative example shows nothing extra to repay on a small sum.
- A thin credit file is not an automatic no, since the stated credit bar is poor.
Cons
- The term is 3 to 6, so the balance has to clear quickly and there is little room for a quiet month.
- Phone is not among the support channels, which run on email and help centre, so a repayment problem has to be put in writing.
- As a broker, the lender and the final price are set by a partner rather than by the brand you applied through.
Who each suits
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.
Prestamiau ES
Who it suits
- Adults living in Spain with a stable income who need a small sum released fast for a bill or a repair.
- Borrowers with a thin credit history, since the stated credit bar is poor.
- People who want the origination fee held at 0 EUR and can handle a short repayment schedule.
Who should look elsewhere
- Anyone borrowing a larger balance: Creduma ES starts at from €12,000, well beyond the €100 to €5,000 offered here.
- Borrowers who want a long schedule to lighten the monthly bill, because the term here is 3 to 6.
- People who need to talk a problem through, since phone is not among the support channels listed, which are email and help centre.
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 | Oney Prestamos | Prestamiau ES |
|---|---|---|
| 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.
Prestamiau ES
What does a loan from Prestamiau ES cost?+
The origination fee is listed as 0 EUR, and the representative example shows a small sum repaid over a short period with nothing added in cost and nothing extra to repay. The published range is 0% to 36%, so what you actually pay depends on the offer you receive. Ask for the total repayable figure before you sign anything.
How fast will the money arrive?+
Funding takes 5 minutes, and same day funding is listed, so a bill or a repair that is already due does not have to wait. Speed is the clearest reason to pick this broker over a slower direct lender. It suits a fixed, near-term cost rather than a purchase you can time.