Updated September 28, 2026 · SumCue Editorial Team
Oney Préstamos ES vs Prestapuffin
Oney Préstamos ES
Prestapuffin
Higher score in this comparison
Where Oney Préstamos ES and Prestapuffin differ
| Compare | Oney Préstamos ESReviewVisitVisit | 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
- Prestapuffin scores higher overall: 8.9 vs 8.7.
- Origination fee (%) is lower at Prestapuffin: 0% vs 3%.
- 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, Help centre.
- Support channels: only Prestapuffin offers Email.
- Pricing model: only Oney Préstamos ES offers Monthly.
- Pricing model: only Prestapuffin offers Fixed rate.
- Features: only Oney Préstamos ES offers Rewards.
- Features: only Prestapuffin offers Same day funding.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
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.
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 Préstamos ES | Prestapuffin |
|---|---|---|
| Cost | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. | 9.7Higher |
| Offer | 8.9Higher | 8.4 |
| Trust | 8.7Higher | 8.5 |
Where each is licensed and available
| Country | Oney Préstamos ES | Prestapuffin |
|---|---|---|
| Spain | Banco de España 8.814 | Not confirmed |
Available in 1 country for both.
Positions in our rankings
| Ranking | Oney Préstamos ES | Prestapuffin |
|---|---|---|
| Loans | 2 of 2043 | 8 of 2043 |
| Personal loans | 2 of 1317 | 5 of 1317 |
From lowest to highest
| Fact | Oney Préstamos ES | Prestapuffin |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €100 to €5,000 |
Every fact side by side
| Fact | Oney Préstamos ES | Prestapuffin |
|---|---|---|
| Pricing model | Monthly | Fixed rate |
| Features | Rewards | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U | Atlantix Media Inc |
| Headquarters | Spain | Canada |
| Support channels | Phone, Chat, Help centre, Community |
Credit cards
| Fact | Oney Préstamos ES | 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 |
Savings
| Fact | Oney Préstamos ES | Prestapuffin |
|---|---|---|
| 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 | 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 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.
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 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.
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 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 | Prestapuffin |
|---|---|---|
| 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.
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.