Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Oney Préstamos ES
What sets them apart
| Compare |  Andacredito |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €1,000 to €45,000Higher |
| Arrangement fee | 0 EUR | 3% of financed capital (apertura) |
| Funding time | 10 minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 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 (%) | 0%Lower | 3% |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Car, Student, BNPL |
| APR | 0% to 36% | Not confirmed |
| Term | 2 to 3 months | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Free early repayment: only Andacredito.
- Origination fee (%) is lower at Andacredito: 0% vs 3%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Andacredito offers Email.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Loan types: only Andacredito offers Payday, Business, Debt consolidation.
- Loan types: only Oney Préstamos ES offers BNPL.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
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 | Andacredito | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5Higher | 8.3 |
| Offer | 8.3 | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
How they place
| Ranking | Andacredito | Oney Préstamos ES |
|---|---|---|
| Personal loans | 13 of 1932 | 1 of 1932 |
| Car loans | 3 of 431 | 1 of 431 |
| Private student loans | 2 of 167 | 1 of 167 |
Which one suits you
Pick Andacredito if cost, free early repayment, and origination fee (%) matter most.
Pick Oney Préstamos ES if offer, trust, and loan amount matter most.
Availability and regulation
| Country | Andacredito | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
Every fact side by side
| Fact | Andacredito | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OU | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Support channels | Help centre, Phone |
Where each stands against the rest
| Fact | Andacredito | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
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
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
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
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
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 | Andacredito | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
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.
Other options to compare
Other matchups
- Andacredito vs Arab Islamic Bank
- Oney Préstamos ES vs Tamara
- Oney Préstamos ES vs ACLEDA Bank
- Oney Préstamos ES vs Addi
- Oney Préstamos ES vs Cofidis FR
- Oney Préstamos ES vs KiwiCredito
- Andacredito vs Sofkredit
- Andacredito vs Quick Car Finance
- Andacredito vs Prestamiau ES
- Andacredito vs Prestamiau
- Andacredito vs Fidea
- Andacredito vs 5in5
- Andacredito vs Qonto ES
- Oney Préstamos ES vs Fiesta Credito
- Oney Préstamos ES vs Fiesta Credito MX
- Andacredito vs Lendela
- Andacredito vs Creditio
- Andacredito vs BriteCap Financial
- Andacredito vs Alt Lending
- Oney Préstamos ES vs Kredivo
- Andacredito vs Novo
- Andacredito vs Nazivnost
- Andacredito vs Smartney
- Andacredito vs LEND.ch
- Andacredito vs Cool Credit
- Oney Préstamos ES vs KOHO
- Andacredito vs Moneyveo VN