Updated September 28, 2026 · SumCue Editorial Team
Oney Préstamos ES vs Que Prestamo
Oney Préstamos ES
Higher score in this comparison
Que Prestamo
Oney Préstamos ES vs Que Prestamo: the differences
| Compare | Oney Préstamos ESReviewVisitVisit | 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 Préstamos ES scores higher overall: 8.7 vs 8.6.
- Origination fee (%) is lower at Oney Préstamos ES: 3% vs 3.5%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €5,000.
- Support channels: only Oney Préstamos ES offers Phone, Chat, Help centre.
- Support channels: only Que Prestamo offers Email.
- Features: only Oney Préstamos ES offers Rewards.
- Features: only Que Prestamo 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.
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 Préstamos ES | Que Prestamo |
|---|---|---|
| Cost | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. | 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 | 8.9Higher | 8.7 |
| Trust | 8.7Higher | 8.5 |
Where each is licensed and available
| Country | Oney Préstamos ES | Que Prestamo |
|---|---|---|
| Spain | Banco de España 8.814 | Not confirmed |
Available in 1 country for both.
How they place
| Ranking | Oney Préstamos ES | Que Prestamo |
|---|---|---|
| Loans | 2 of 2043 | 9 of 2043 |
| Personal loans | 2 of 1317 | 6 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 €5,000 for Que Prestamo.
Sofkredit reviewWhere these facts come from
Oney Préstamos ES
- oney.es: 15 facts, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Oney Préstamos ES | Que Prestamo |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Features | Rewards | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U | Leads for Finance S.L.U. |
| Headquarters | Spain | Spain |
| Support channels | Phone, Chat, Help centre, Community |
Credit cards
| Fact | Oney Préstamos ES | 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 |
Savings
| Fact | Oney Préstamos ES | Que Prestamo |
|---|---|---|
| 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 | 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 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.
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 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.
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 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 | Que Prestamo |
|---|---|---|
| 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.
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.