Updated September 28, 2026 · SumCue Editorial Team
Oney Prestamos vs Prestamiau
Oney Prestamos
Higher score in this comparison
Prestamiau
Oney Prestamos vs Prestamiau: the differences
| Compare | Oney PrestamosReviewVisitVisit | PrestamiauReviewVisitVisit |
|---|---|---|
| Loan amount | €1,000 to €45,000 | MX$100 to MX$20,000 |
| Arrangement fee | 3% of financed capital (apertura) | 0 MXN |
| Funding time | Decision within 48 h, then money sent to the account you choose | Loan obtained in 5 minutes; full process under 30 minutes |
| Lender type | Direct lender | Marketplace |
| 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 | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Origination fee (%) | 3% | 0%Lower |
| Loan types | Personal, Car, Student, BNPL | Personal, Debt consolidation |
| APR | Not confirmed | MX$0 to MX$36 |
| Term | Not confirmed | 3 to 4 months |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Free early repayment | No | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Oney Prestamos scores higher overall: 8.9 vs 8.7.
- Prestamiau is available in 1 more country.
- Origination fee (%) is lower at Prestamiau: 0% vs 3%.
- Support channels: only Oney Prestamos offers Help centre, Phone.
- Support channels: only Prestamiau offers Email.
- Features: only Oney Prestamos offers Rewards.
- Features: only Prestamiau offers Same day funding.
- Loan types: only Oney Prestamos offers Car, Student, BNPL.
- Loan types: only Prestamiau 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
Prestamiau suits Mexican borrowers with a poorer credit record who need a small sum in a hurry rather than a large balance. The rate runs MXN 0 to MXN 36, the arrangement fee is 0 MXN, and Loan obtained in 5 minutes; full process under 30 minutes gets money moving.
Score breakdown
| Area | Oney Prestamos | Prestamiau |
|---|---|---|
| Cost | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. | 9.7HigherAn 0 MXN arrangement fee and 0% on MXN 0 to MXN 36 keeps borrowing cheap. |
| Offer | 9.0Higher | 8.2 |
| Trust | 9.4Higher | 8.1 |
What each covers
| Loan types | Oney Prestamos | Prestamiau |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Car | Yes | No |
| Student | Yes | No |
| BNPL | Yes | No |
| Use cases | Oney Prestamos | Prestamiau |
|---|---|---|
| Home improvement | Yes | Yes |
Licences and countries
| Country | Oney Prestamos | Prestamiau |
|---|---|---|
| Spain | Banco de España 8814 | Not confirmed |
Available in 1 country for both. Additional countries for Prestamiau: 1.
How they place
| Ranking | Oney Prestamos | Prestamiau |
|---|---|---|
| Loans | 1 of 2043 | 7 of 2043 |
| Personal loans | 1 of 1317 | 4 of 1317 |
Every fact side by side
| Fact | Oney Prestamos | Prestamiau |
|---|---|---|
| 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 OÜ |
| Headquarters | Spain | Estonia |
| Support channels | Help centre, Phone |
Credit cards
| Fact | Oney Prestamos | Prestamiau |
|---|---|---|
| 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 |
|---|---|---|
| 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 | Median |
|---|---|---|---|
| Term | Not confirmed | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 3%highest quarter | 0%at the median | 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
Pros
- Arrangement fee of 0 MXN and 0% on personal loans, so setting up adds nothing.
- A rate of MXN 0 to MXN 36 places Prestamiau at position 1 of 338 on cost.
- Loan obtained in 5 minutes; full process under 30 minutes, so an urgent bill can be covered the same day.
Cons
- Support runs on email only, so a payment problem is sorted in writing.
- Terms of 3 to 4 leave a short window, so the balance must clear quickly.
- Borrowing stops at MXN 100 to MXN 20,000, far below larger facilities such as Creduma ES from from €12,000.
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
Who it suits
- Adults in Mexico with their own bank account, a valid INE or IFE, a stable income, a phone and an email.
- Borrowers with poor credit, who make up 42.3% of the personal loan table.
- Anyone consolidating balances or funding a home project, given personal and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers after a large balance: Creduma ES starts at from €12,000, past the MXN 100 to MXN 20,000 ceiling here.
- Readers who want a narrow rate band: Sofkredit's 10.74% to 18.06% is tighter than MXN 0 to MXN 36.
- Anyone who prefers a rate with a clear floor: Cashspace at PHP 12 to PHP 36 starts well above the MXN 0 to MXN 36 floor here.
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
Prestamiau
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)
New users only; representative example 1,000 MXN over 95 days, cost 0 MXN, total to repay 1,000 MXN, CAT 0%
Source, checked September 26, 2026
Country by country
| Country | Oney Prestamos | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| 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
What does a Prestamiau loan cost?+
The quoted rate is MXN 0 to MXN 36 and the arrangement fee on a personal loan is 0 MXN. The representative example shows the cost as 0 MXN and the total to repay equal to the amount borrowed, so nothing is added to the smallest case. Because MXN 0 to MXN 36 spans a wide band, the rate on a real file is set from inside that range.
Is the lender regulated and is my money protected?+
Prestamiau is a marketplace, so the contract that matters is the one with the lender it introduces you to, and that lender sets the rate and takes the repayments. Any protection arrangement sits with that lender, not with the marketplace, so check the scheme named in the offer. As a wider backdrop, retail loss runs at a median 70.15% across the lenders covered here.