Updated September 28, 2026 · SumCue Editorial Team
Oney Préstamos ES vs Prestamiau ES
Oney Préstamos ES
Prestamiau ES
Higher score in this comparison
What sets them apart
| Compare | Oney Préstamos ESReviewVisitVisit | 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 8.7.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Oney Préstamos ES offers Phone, Chat, Community.
- Support channels: only Prestamiau ES offers Email.
- Features: only Oney Préstamos ES offers Rewards.
- Features: only Prestamiau ES offers Same day funding.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
- Loan types: only Prestamiau ES offers Debt consolidation.
Our verdict on each
Oney Préstamos ES
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.
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 Préstamos ES | Prestamiau ES |
|---|---|---|
| Cost | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. | 9.9Higher |
| Offer | 8.9Higher | 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 | 8.7Higher | 8.5 |
How they place
| Ranking | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Loans | 2 of 2043 | 6 of 2043 |
| Personal loans | 2 of 1317 | 3 of 1317 |
If neither fits
Sofkredit has loan amount at €12,000 to €300,000, against €1,000 to €45,000 for Oney Préstamos ES and €100 to €5,000 for Prestamiau ES.
Sofkredit reviewEvery fact side by side
| Fact | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Features | Rewards | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U | Fininity OU |
| Headquarters | Spain | Estonia |
| Support channels | Phone, Chat, Help centre, Community | Email, Help centre |
Credit cards
| Fact | Oney Préstamos ES | 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 |
Savings
| Fact | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | 100% online, no change of bank | Not confirmed |
Where each stands against the rest
| Fact | Oney Préstamos ES | 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 Préstamos ES
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.
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.
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 Préstamos ES
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.
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 Préstamos ES
Current offer
Bonus
Ahorrar es fácil - reimbursement on Alcampo card purchases: Up to 100 EUR per year
Plan "Ahorrar es fácil", only for purchases paid with the Oney Alcampo card in Alcampo centres
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Oney Préstamos ES
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.
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.