Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs Oney Préstamos ES
Where Addi and Oney Préstamos ES differ
| Compare |  Addi |  Oney Préstamos ES |
|---|---|---|
| Arrangement fee | 0 COP (no handling fee) | 3% of financed capital (apertura) |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | Decision within 48 h, then money sent to the account you choose |
| Free early repayment | YesHas it | No |
| Loan types | BNPL, Credit line | Personal, Car, Student, BNPL |
| APR | 0% to 29.14% | Not confirmed |
| Loan amount | Not confirmed | €1,000 to €45,000 |
| Term | 1 to 6 months | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Eligibility | Not confirmed | 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 (%) | Not confirmed | 3% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Addi scores higher overall: 9.3 vs 8.8.
- Free early repayment: only Addi.
- Support channels: only Addi offers Email, Community.
- Loan types: only Addi offers Credit line.
- Loan types: only Oney Préstamos ES offers Personal, Car, Student.
Our verdict on each
Addi
Addi suits Colombian shoppers who want a credit line or pay-later plan at checkout rather than a cash loan. The costs are modest: fees of 0 COP (no handling fee) and an annual rate of 0% to 29.14%, with borrowing that a hard credit check sits behind.
Oney Préstamos ES
Oney Préstamos ES suits Spanish adults with a dated home project and an existing Oney account, who can borrow from a lower floor than new applicants. Borrowings run to €1,000 to €45,000, and the cost side is the trade-off: the lender itself, with free early repayment not on offer.
Score breakdown
| Area | Addi | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5Higher | 8.3 |
| Offer | 9.0Higher | 8.9 |
| Trust | 9.2 | 9.2 |
Licences and countries
| Country | Addi | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Addi: 1. Additional countries for Oney Préstamos ES: 1.
Positions in our rankings
| Ranking | Addi | Oney Préstamos ES |
|---|---|---|
| Buy now, pay later | 12 of 88 | 1 of 88 |
What we checked
Addi
- co.addi.com: 14 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Addi | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Not confirmed |
| Legal entity | Adelante Soluciones Financieras S.A.S. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Colombia | Spain |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Addi | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | Not confirmed | 8.99 |
| Loan amount | Not confirmed | €1,000 to €45,000above the median | €40,000 |
| Term | 1 to 6 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Addi
Pros
- The purchase is paid straight to the merchant at checkout, so credit is applied for in minutes
- Fees of 0 COP (no handling fee), so there is no handling charge on the credit or the line
- Fixed rates, with a fixed structure rather than a variable one
Cons
- The application runs a hard credit check, so a declined application shows on the credit file
- Repayment terms run 1 to 6, which is short for anyone wanting a longer period
- The top of the annual rate range is high at 0% to 29.14%, so cost varies sharply with the borrower
Oney Préstamos ES
Pros
- The lender is named on the paperwork as Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324), a direct lender, so the counterparty is clear before you sign.
- Support runs on help centre and phone, pairing a phone line with a help centre.
- personal, car and student all sit under the same lender, so a car, student or buy now pay later need does not mean a new provider.
Cons
- Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not lower what you pay.
- New customers start from a higher floor, and the credit check is hard, so a thin first application can be turned down.
Who each suits
Addi
Who it suits
- Colombian shoppers splitting a purchase at checkout rather than taking a cash loan
- People who want a reusable credit line open alongside a pay-later plan
- Borrowers with a good credit file who pass a hard check and settle early
Who should look elsewhere
- Anyone who needs money paid into a bank account, as the purchase is paid to the merchant at checkout
- Borrowers who need a longer repayment period than 1 to 6
- People who cannot pass a hard credit check
Oney Préstamos ES
Who it suits
- Existing Oney customers, who start from a lower borrowing floor than new applicants.
- Adults funding a home improvement project who can clear a hard credit check and accept an opening fee.
- Borrowers who want personal, car, student and buy now pay later lending from one licensed provider in Spain.
Who should look elsewhere
- New applicants wanting a small first loan, since the floor for new customers is higher and Cashspace ES lends €100 to €5,000.
- People whose project costs more than €1,000 to €45,000 covers, since Monzo Flex lends £10,000 to £35,000.
Current offers
Addi
Current offer
Bonus
Minuto Ganador 2026: Bonus worth 100% of your purchase
Request your Cupo and buy in installments; every 5 minutes there is a winner
Source, checked September 26, 2026
Bonus
0% interest in up to 3 installments: 0% interest for eligible customers
Subject to transaction eligibility criteria set out in the 0% interest T&C
Source, checked September 26, 2026
Oney Préstamos ES
Current offer
Bonus
5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent
Card purchase offer; conditions published by leroymerlin.es
Source, checked September 26, 2026
Country by country
| Country | Addi | Oney Préstamos ES |
|---|---|---|
| Colombia | Yes | No |
| Spain | No | Yes |
Questions about each
Addi
What does Addi cost to borrow?+
The published annual rate runs 0% to 29.14%, and there is a handling fee of 0 COP (no handling fee). Rates are fixed, so the cost of a plan does not drift while the balance is open. Early repayment carries no charge, which means settling sooner reduces the amount paid overall.
Is there a fee for opening a credit line?+
No handling fee applies: 0 COP (no handling fee) is what is listed for the credit and the line. The ongoing cost is interest, set on a fixed basis rather than a variable one, so the rate quoted at the start holds for the life of the plan.
Oney Préstamos ES
What does a loan from here cost?+
Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate. Free early repayment is not offered either, and the site cost score for this brand is 1.7.
How quickly is the money sent?+
A decision comes through a short window, then the money is sent to the account you choose. That suits anyone working to a dated home project, and the borrowing range tops out at €1,000 to €45,000.
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