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Oney Préstamos ES review

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

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Our verdict

Oney Préstamos ES suits Spanish borrowers who want a direct online loan and can live with a decision inside a waiting period. Loan sizes run €1,000 to €45,000, the credit file is searched, and the credit is written by the brand itself rather than a panel of lenders.

Key facts

Best for
An existing Oney customer in Spain who needs a home improvement lump sum settled online.
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↗
Legal entity
Oney Servicios Financieros E.F.C., S.A.U↗
Headquarters
Spain↗
Support channels
Phone, Chat, Help-centre, Community↗
Audience
Business
Pricing model
Monthly
Official website
oney.es

Loans

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↗
Features
Rewards

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↗

Savings

Deposit protection
EU DGS up to EUR 100,000↗
Access terms
100% online, no change of bank↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Access is 100% online, no change of bank, so nothing depends on a branch or a meeting.
  • A decision comes within a waiting period and the money is then sent to the account of your choice, which suits a planned expense.
  • Monthly payments are available, so a loan can be matched to a monthly budget rather than a single large repayment.
  • Help is available by phone, chat and help centre, so an application can be chased on more than one channel.

Cons

  • The credit check is hard, so there is no soft pre-check to run first, unlike the 20.1% of the set that offer one.
  • Free early repayment: no, so a plan to clear the balance sooner is worth checking against the terms first.
  • An opening fee of 3% of financed capital (apertura) is charged on the amount financed, so a small borrowing carries a visible slice of it.
  • The credit card adds an annual fee of €10 and a currency conversion fee of 1%, and that conversion fee matches the site median of 1%.
Oney Préstamos ES

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Borrowers in Spain who want a personal loan handled entirely online, with no change of bank.
  • Existing Oney customers, who can start below the entry point that applies to new applicants.
  • People who want the card and the loan in one place, since the card perks and the lending come from the same firm.

Who should look elsewhere

  • bunq Spain, listed from €0, is a bank account for holding money, not a loan of €1,000 to €45,000 repaid monthly.
  • bunq, listed from €0, suits everyday card and account banking rather than a planned lump sum that needs a hard credit check.
  • Linxea, starting at €25, is a savings and life insurance route for building a pot over time, not a loan settled inside a waiting period.

Deposit protection

Money held on deposit is protected under EU DGS up to EUR 100,000, so a balance with the firm sits inside the European guarantee ceiling rather than being uninsured. On the insurance side the group appears as a broker, which means cover is placed with a partner provider and the policy sits in that provider's name. The record to check is the Banco de España listing, licence number 8.814. Worth separating clearly: that ceiling is a deposit limit, not a shield over a loan balance, so a borrower repaying a loan is not covered by it.

Cover and limits

The cover on offer is short: health, life and gadget insurance, listed under health, life and gadget, which reads as protection attached to the card membership rather than a full insurance portfolio. The stated limit is Up to 45,000 EUR, and entry is limited to Of legal age only. For a household weighing cover against borrowing, those are the three points that count, because the narrow type list, the ceiling on the amount and the age entry rule shape what a policy here would actually pay out. Nothing else on this provider is built around cover, so a reader shopping for standalone protection will find little to work with.

Who regulates it

Banco de España supervises the firm, and the entry to look up is 8.814. Lending runs through a direct lender, so the creditor named in the agreement is the same brand that took the application, which removes the step where a panel of lenders picks an offer for you. The insurance side is a broker, so a policy question belongs to the intermediary rather than to an insurer. For a borrower living outside Spain, the contract, the credit history and any dispute all sit with the Spanish supervisor and Spanish rules, which is the part to read before applying from another market.

Price signals

The entry point is €1,000 and the loan can be repaid in monthly payments. Both lines sit high against the wider set: a starting point of €1,000 is well above the site median of €8.31 and close to the upper quartile of €29.72. Monthly repayment is a norm rather than a differentiator here, since 89% of the products in the set can be paid that way. Neither line tells you what the loan costs to service, so treat the entry point and the monthly option as starting points for a wider comparison rather than as the price.

The company behind it

The paperwork is in the name of Oney Servicios Financieros E.F.C., S.A.U, with its base in Spain, and the legal notice carries the licence number 8.814 alongside it. That pairing tells a reader exactly which company to look up before signing, which matters for someone outside Spain with no branch to visit. Support runs on phone, chat and help centre, so a stalled application can be chased by phone or chat rather than left in a letter queue. The same base in ES also means the credit file, the repayment calendar and the dispute route are all handled in Spain.

How Oney Préstamos ES compares

Where Oney Préstamos ES is available

Available
Spain
Licence in Spain
Banco de España (8.814), checked September 26, 2026

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

Frequently asked questions

How much can I borrow from Oney Préstamos ES?+

Borrowing runs €1,000 to €45,000, and the entry point is lower for existing Oney customers than for new applicants. The application is 100% online, no change of bank, and a decision comes within a waiting period before the money is sent to the account you choose.

What does it cost to take out a loan?+

The main charge is an opening fee of 3% of financed capital (apertura) on the amount financed, taken when the loan is set up rather than spread across the instalments. Free early repayment: no, so the planned monthly route is the cheapest way to finish.

Who can apply?+

You have to be an adult with nothing left in arrears, and the age rule is set as Of legal age only. The credit check is hard, so the file is searched before any offer is made, and the entry amount is lower for existing customers than for new applicants.

Is Oney Préstamos ES regulated?+

Banco de España supervises the firm, and the licence to look up is 8.814. On the lending side it is a direct lender, so the same company that runs the application is the one you owe, which matters most when a payment goes wrong.

What protection is there if the firm fails?+

Deposits are covered under EU DGS up to EUR 100,000, the guarantee ceiling for money held with the firm. That ceiling applies to deposits rather than to a loan balance, so a borrower repaying a loan is not shielded by it. The supervisor is Banco de España, licence 8.814.

What does the Oney card cost to hold and use?+

It is a credit card with an annual fee of €10, and it charges 1% for currency conversion, which is the site median of 1%. A replacement card can also be requested at no charge if the card is lost.

What do I get with the card besides the loan?+

Rewards come as points, listed as points, with a voucher at a set rate for spend on the club card. The wider Discounts on fuel at Alcampo service stations, Exclusive points and discounts on purchases and 3x 4x Oney deferred payment from 3 up to 12 instalments with your own bank card cover fuel discounts at Alcampo service stations, deferred payment with your own bank card, a direct transfer from card to bank account and a free replacement request.

How are insurance claims handled?+

Insurance runs through an intermediary rather than an own-brand insurer, and the cover list is health, life and gadget, which is health, life and gadget cover. Claims are handled through the help centre, so the route runs through the help centre rather than a named adviser, and premiums are paid monthly.

Sources

  • oney.es checked September 26, 2026

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

  • oney.es checked September 26, 2026

    Backs: Use cases

    “Préstamo Reforma”

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

    Backs: Deposit protection, Headquarters, Legal entity, Lender type, Licences

  • 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/contacto checked September 26, 2026

    Backs: Support channels

  • oney.es/faqs checked September 26, 2026

    Backs: Claims channels

    “SEGUROS - Siniestros”

  • oney.es/prestamos checked September 26, 2026

    Backs: Access terms, 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 8 source pages, checked September 26, 2026. We did not open an account.

Oney Préstamos ES

Oney Préstamos ES

An existing Oney customer in Spain who needs a home improvement lump sum settled online.

8.7/10Visit