Updated September 28, 2026 · SumCue Editorial Team
Oney Préstamos ES vs Prestamiau
Oney Préstamos ES
Higher score in this comparison
Prestamiau
Where Oney Préstamos ES and Prestamiau differ
| Compare | Oney Préstamos ESReviewVisitVisit | 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
- Prestamiau is available in 1 more country.
- Origination fee (%) is lower at Prestamiau: 0% vs 3%.
- Support channels: only Oney Préstamos ES offers Phone, Chat, Help centre.
- Support channels: only Prestamiau offers Email.
- Features: only Oney Préstamos ES offers Rewards.
- Features: only Prestamiau offers Same day funding.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
- Loan types: only Prestamiau 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
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 Préstamos ES | Prestamiau |
|---|---|---|
| Cost | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. | 9.7HigherAn 0 MXN arrangement fee and 0% on MXN 0 to MXN 36 keeps borrowing cheap. |
| Offer | 8.9Higher | 8.2 |
| Trust | 8.7Higher | 8.1 |
How they place
| Ranking | Oney Préstamos ES | Prestamiau |
|---|---|---|
| Loans | 2 of 2043 | 7 of 2043 |
| Personal loans | 2 of 1317 | 4 of 1317 |
Licences and countries
| Country | Oney Préstamos ES | Prestamiau |
|---|---|---|
| Spain | Banco de España 8.814 | Not confirmed |
Available in 1 country for both. Additional countries for Prestamiau: 1.
What we checked
Oney Préstamos ES
- oney.es: 15 facts, checked September 26, 2026
Prestamiau
- prestamiau.mx: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Oney Préstamos ES | Prestamiau |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Features | Rewards | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U | Fininity OÜ |
| Headquarters | Spain | Estonia |
| Support channels | Phone, Chat, Help centre, Community |
Credit cards
| Fact | Oney Préstamos ES | 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 |
Savings
| Fact | Oney Préstamos ES | Prestamiau |
|---|---|---|
| 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 | 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 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
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 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
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 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
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 Préstamos ES | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| 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
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.