Updated September 28, 2026 · BorrowCue Editorial Team
Andacrédito MX vs Oney Préstamos ES
Andacrédito MX vs Oney Préstamos ES: the differences
| Compare |  Andacrédito MX |  Oney Préstamos ES |
|---|---|---|
| Loan amount | MX$100 to MX$20,000 | €1,000 to €45,000 |
| Arrangement fee | 0 MXN - no opening commission, the loan selection service is free to the customer | 3% of financed capital (apertura) |
| Funding time | Money transferred within 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 | Users must be over 18 years old, hold a bank account in their own name and show ability to repay through stable income; no spotless credit history required | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Loan types | Personal, Payday | Personal, Car, Student, BNPL |
| APR | 0% to 49% | Not confirmed |
| Term | 3 to 12 months | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | Loan of 8,000 MXN over 6 months at a 12% annual rate: about 1,379 MXN per month | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Free early repayment: only Andacrédito MX.
- Support channels: only Andacrédito MX offers Email.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Loan types: only Andacrédito MX offers Payday.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
Andacrédito MX
Andacrédito suits borrowers with a poor credit record who need money the same day and want no arrangement fee, and offers fixed-rate personal and payday loans from MXN 100 to MXN 20,000.
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 | Andacrédito MX | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5Higher | 8.3 |
| Offer | 8.2Fixed rate loans of MXN 100 to MXN 20,000 at an APR of 0% to 49%, with no arrangement fee on personal and payday lending. | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
Where they rank in our lists
| Ranking | Andacrédito MX | Oney Préstamos ES |
|---|---|---|
| Personal loans | 75 of 1920 | 1 of 1920 |
Licences and countries
| Country | Andacrédito MX | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Andacrédito MX: 1. Additional countries for Oney Préstamos ES: 1.
Pick Andacrédito MX if, pick Oney Préstamos ES if
Pick Andacrédito MX if cost and free early repayment matter most.
Pick Oney Préstamos ES if offer and trust matter most.
Side by side, item by item
| Loan types | Andacrédito MX | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
Every fact side by side
| Fact | Andacrédito MX | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ (AndaCrédito is its trading brand; also referenced as Fininity Ltd. in the terms) | 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 | Andacrédito MX | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 49%lowest quarter | Not confirmed | 8.99 |
| Term | 3 to 12 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Andacrédito MX
Pros
- No arrangement fee: the loan selection service is free to the customer.
- Free early repayment, so clearing the balance early carries no charge.
- Same-day funding, with Money transferred within 10 minutes.
Cons
- The top of the rate range is heavy: the APR runs to 0% to 49%, and the offer score on this page is only 0.1.
- Repayments are squeezed into a short window, with terms of 3 to 12.
- Support runs on email only, so email is the route to a human being.
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
Andacrédito MX
Who it suits
- Adults with stable income who hold a bank account in their own name and need a same-day payment.
- Borrowers with a poor credit record, since no spotless credit history is required.
- People who want to settle a loan early at no cost, as early repayment is free.
Who should look elsewhere
- Anyone wanting a lender with a named regulator, since no licence is listed for Andacrédito.
- Borrowers who need a long repayment period, because terms stop at 3 to 12.
- People who want to avoid the top of the cost range, as the APR reaches 0% to 49%.
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
Andacrédito MX
Current offer
First period offer
Primer préstamo gratis sin intereses (free first loan, 0% interest for new users): 0% interest on the first loan
New users, first loan only; eligibility per application review
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 | Andacrédito MX | Oney Préstamos ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
Andacrédito MX
Who actually lends the money?+
You are a broker, so Andacrédito passes your application to a lending partner rather than lending to you itself. The terms you get are the partner's, and the selection service carries no cost to you. Fixed-rate lending is what it offers, with an APR of 0% to 49%.
Is it regulated and is my money protected?+
Andacrédito does not publish a regulator or licence, so there is no named scheme behind the money if something goes wrong. It works as a broker from EE, matching applications to lending partners, and that structure is worth understanding before you apply.
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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