Updated September 28, 2026 · SumCue Editorial Team
Oney Prestamos vs Prestapuffin
Oney Prestamos
Higher score in this comparison
Prestapuffin
What sets them apart
| Compare | Oney PrestamosReviewVisitVisit | PrestapuffinReviewVisitVisit |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €100 to €5,000 |
| Arrangement fee | 3% of financed capital (apertura) | 0 EUR (no commissions) |
| Funding time | Decision within 48 h, then money sent to the account you choose | Deposited straight to your bank account immediately |
| 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 | Residents of Spain aged 18-80 with email address and mobile number |
| Origination fee (%) | 3% | 0%Lower |
| Loan types | Personal, Car, Student, BNPLCovers more | Personal |
| APR | Not confirmed | 0% to 36% |
| Term | Not confirmed | 2 to 60 months |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | EUR 1,000 loan over 24 months at 35% fixed annual interest, monthly payment about EUR 58.52, total about EUR 1,404.45 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | No | Not confirmed |
| Credit needed | Not confirmed | Fair |
| Use cases | Home improvement | Not confirmed |
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.
Key differences
- Origination fee (%) is lower at Prestapuffin: 0% vs 3%.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Oney Prestamos offers Help centre, Phone.
- Support channels: only Prestapuffin offers Email.
- Pricing model: only Oney Prestamos offers Monthly.
- Pricing model: only Prestapuffin offers Fixed rate.
- Features: only Oney Prestamos offers Rewards.
- Features: only Prestapuffin offers Same day funding.
- Loan types: only Oney Prestamos offers Car, Student, BNPL.
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.
Prestapuffin
Prestapuffin suits Spanish residents who want a fixed rate personal loan of €100 to €5,000, funded into the bank account immediately with 0 EUR (no commissions) to arrange. Its rate of 0% to 36% runs wider than the site median 15.5%, and the firm is a broker, not the lender.
Score breakdown
| Area | Oney Prestamos | Prestapuffin |
|---|---|---|
| Cost | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. | 9.7Higher |
| Offer | 9.0Higher | 8.4 |
| Trust | 9.4Higher | 8.5 |
Which one suits you
Pick Oney Prestamos if offer, trust, loan amount, and loan types matter most.
Pick Prestapuffin if cost and origination fee (%) matter most.
Availability and regulation
| Country | Oney Prestamos | Prestapuffin |
|---|---|---|
| Spain | Banco de España 8814 | Not confirmed |
Available in 1 country for both.
Positions in our rankings
| Ranking | Oney Prestamos | Prestapuffin |
|---|---|---|
| Loans | 1 of 2043 | 8 of 2043 |
| Personal loans | 1 of 1317 | 5 of 1317 |
Every fact side by side
| Fact | Oney Prestamos | Prestapuffin |
|---|---|---|
| Pricing model | Monthly | Fixed rate |
| Features | Rewards | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Atlantix Media Inc |
| Headquarters | Spain | Canada |
| Support channels | Help centre, Phone |
Credit cards
| Fact | Oney Prestamos | Prestapuffin |
|---|---|---|
| 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 | Prestapuffin |
|---|---|---|
| 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 | Prestapuffin | 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 | 2 to 60 monthsat the median | 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.
Prestapuffin
Pros
- Arranging the loan costs 0 EUR (no commissions), so nothing is taken for setting it up.
- The rate is fixed, so the instalment does not move with the market.
- Funding is quick: Deposited straight to your bank account immediately.
Cons
- The top of 0% to 36% sits above the site median 15.5%, so a longer term carries more interest than a tighter band would.
- Support runs on email only, so there is no phone line for a borrower who cannot resolve a written thread.
- Being a broker means the contract and the credit decision sit with a partner rather than with the company you apply to.
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.
Prestapuffin
Who it suits
- Spanish residents within a stated age band who hold an email address and a mobile number, as the eligibility rule requires.
- Borrowers with fair credit who want a fixed rate instalment loan rather than a revolving credit line.
- People who need the money the same day: Deposited straight to your bank account immediately.
Who should look elsewhere
- Anyone borrowing a large sum: Creduma ES works at from €12,000, well above the €100 to €5,000 ceiling here.
- Rate shoppers: Sofkredit lends at 10.74% to 18.06%, below the top of Prestapuffin's 0% to 36%.
- Borrowers living outside Spain, where Cashspace lends in Philippine pesos at PHP 12 to PHP 36 and Prestapuffin's eligibility covers residents of Spain only.
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 | Prestapuffin |
|---|---|---|
| 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.
Prestapuffin
What rate will I pay on a Prestapuffin loan?+
The rate is 0% to 36% and it is fixed, so the instalment holds steady instead of moving with the market. Setting the loan up costs 0 EUR (no commissions), which leaves interest as the only charge. The published example shows monthly instalments at a fixed annual rate and a total repaid above the amount lent.
What will a loan cost me in total?+
Interest is the cost here and the annual rate is 0% to 36%. The example the company publishes runs at a fixed annual interest rate, repaid in equal monthly instalments, with the total repaid higher than the amount borrowed. Work that total out over 2 to 60 of instalments before you commit, because a longer term carries more interest on the same balance.