Updated September 28, 2026 · SumCue Editorial Team
Oney Prestamos vs Que Prestamo
Oney Prestamos
Higher score in this comparison
Que Prestamo
What sets them apart
| Compare | Oney PrestamosReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €5,000 |
| Arrangement fee | 3% of financed capital (apertura) | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | Decision within 48 h, then money sent to the account you choose | Approval in 5 minutes, money in your account in 15 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, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Origination fee (%) | 3%Lower | 3.5% |
| Loan types | Personal, Car, Student, BNPLCovers more | Personal |
| APR | Not confirmed | 7% to 35% |
| Term | Not confirmed | 1 to 72 months |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Free early repayment | No | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Oney Prestamos scores higher overall: 8.9 vs 8.6.
- Origination fee (%) is lower at Oney Prestamos: 3% vs 3.5%.
- Loan amount is higher at Oney Prestamos: €1,000 to €45,000 vs €5,000.
- Support channels: only Oney Prestamos offers Help centre, Phone.
- Support channels: only Que Prestamo offers Email.
- Features: only Oney Prestamos offers Rewards.
- Features: only Que Prestamo 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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan paid out the same day and can cover a fee taken off the top. Its cost picture is the weak point: the annual percentage rate runs 7% to 35%, and the fee of 3.5% is deducted from the amount disbursed.
Score breakdown
| Area | Oney Prestamos | Que Prestamo |
|---|---|---|
| Cost | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. | 8.8HigherAnnual percentage rate of 7% to 35% plus an arrangement fee of 3.5% taken off the amount before it reaches the account. |
| Offer | 9.0Higher | 8.7 |
| Trust | 9.4Higher | 8.5 |
Licences and countries
| Country | Oney Prestamos | Que Prestamo |
|---|---|---|
| Spain | Banco de España 8814 | Not confirmed |
Available in 1 country for both.
Sources behind this comparison
Oney Prestamos
- oney.es: 15 facts, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
How they place
| Ranking | Oney Prestamos | Que Prestamo |
|---|---|---|
| Loans | 1 of 2043 | 9 of 2043 |
| Personal loans | 1 of 1317 | 6 of 1317 |
Every fact side by side
| Fact | Oney Prestamos | Que Prestamo |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Features | Rewards | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Leads for Finance S.L.U. |
| Headquarters | Spain | Spain |
| Support channels | Help centre, Phone |
Credit cards
| Fact | Oney Prestamos | Que Prestamo |
|---|---|---|
| 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 | Que Prestamo |
|---|---|---|
| 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 | Que Prestamo | Median |
|---|---|---|---|
| APR | Not confirmed | 7% to 35%below the median | 9.99 |
| Loan amount | €1,000 to €45,000above the median | €5,000below the median | €40,000 |
| Term | Not confirmed | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | 3%highest quarter | 3.5%highest quarter | 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.
Que Prestamo
Pros
- Approval in Approval in 5 minutes, money in your account in 15 minutes, so a same day loan is realistic for anyone in a hurry
- No guarantor needed, which widens who can qualify
- Personal loans up to €5,000 and terms of 1 to 72 cover short and long borrowings
Cons
- The arrangement fee of 3.5% is deducted from the disbursed amount, so you receive less than the amount approved
- Rates of 7% to 35% sit well above Sofkredit at 10.74% to 18.06%
- Support runs on email only, so there is no phone or chat line for a live loan query
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.
Que Prestamo
Who it suits
- Residents of Spain with a current account in their own name and an active mobile number
- Adults with a valid DNI or NIE who can cover a fee taken off the loan amount
- Borrowers who need money in the account the same day rather than at the end of the week
Who should look elsewhere
- Anyone who wants the full approved amount in the account, since the fee is deducted first
- Borrowers wanting a low rate, where Sofkredit at 10.74% to 18.06% is the cheaper comparison
- Larger sums, since Creduma ES offers amounts from from €12,000
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 | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What does Que Prestamo cost to borrow?+
The annual percentage rate runs 7% to 35% on personal loans. On top of that, an arrangement fee of 3.5% of the loan amount is charged as loan processing fees of the financial entity, and it is taken off the amount disbursed rather than billed separately.
How much money actually lands in my account?+
Less than the amount approved, because the arrangement fee of 3.5% is deducted from the disbursed amount. The representative example shows this clearly, with the amount received lower than the amount borrowed and the total repayable higher again once interest is added.