Updated September 28, 2026 · BorrowCue Editorial Team
BadCreditLoans.com vs Oney Préstamos ES
Where BadCreditLoans.com and Oney Préstamos ES differ
| Compare | BadCreditLoans.com ReviewVisitVisit |  Oney Préstamos ES |
|---|---|---|
| Loan amount | $500 to $10,000 | €1,000 to €45,000 |
| Arrangement fee | $0 USD | 3% of financed capital (apertura) |
| Funding time | As fast as the next business day | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Eligibility | U.S. residents; not available in all states; some network lenders offer loans to borrowers with all types of credit | 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, Business, Student, Car | Personal, Car, Student, BNPL |
| APR | 19.9% | Not confirmed |
| Term | 3 to 72 months | Not confirmed |
| Representative example | Sample cash loan: $2,000 for 12 months at 19.9% representative APR, $183.63 monthly repayment, $2,203.56 total repayment | Not confirmed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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 8.4.
- Support channels: only BadCreditLoans.com offers Email.
- Support channels: only Oney Préstamos ES offers Help centre.
- Loan types: only BadCreditLoans.com offers Business.
- Loan types: only Oney Préstamos ES offers BNPL.
Our verdict on each
BadCreditLoans.com
BadCreditLoans.com is a US matching service aimed at borrowers with poor credit who need a small loan quickly, at 19.9% and an origination fee of $0 USD. It suits applicants a prime lender would turn down, and suits them less well where a cheaper rate matters more than the speed of funding.
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 | BadCreditLoans.com | Oney Préstamos ES |
|---|---|---|
| Cost | 8.5HigherCost is the weak point: 19.9% on a personal loan, and terms reach 3 to 72. | 8.3 |
| Offer | 8.6 | 8.9Higher |
| Trust | 8.1 | 9.2Higher |
Licences and countries
| Country | BadCreditLoans.com | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for BadCreditLoans.com: 1. Additional countries for Oney Préstamos ES: 1.
How they place
| Ranking | BadCreditLoans.com | Oney Préstamos ES |
|---|---|---|
| Personal loans | 135 of 1932 | 1 of 1932 |
| Car loans | 36 of 431 | 1 of 431 |
| Private student loans | 13 of 167 | 1 of 167 |
Where these facts come from
BadCreditLoans.com
- badcreditloans.com: 15 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | BadCreditLoans.com | Oney Préstamos ES |
|---|---|---|
| Features | Credit line | Not confirmed |
| Legal entity | Great LLC | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | United States | Spain |
| Support channels | Email, Phone | Help centre, Phone |
Where each stands against the rest
| Fact | BadCreditLoans.com | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 19.9%highest quarter | Not confirmed | 8.99% |
| Term | 3 to 72 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BadCreditLoans.com
Pros
- An origination fee of $0 USD, so nothing is taken for setting the loan up.
- Speed: As fast as the next business day.
- Built for the poor credit band (poor), with some lenders in the network lending to any type of credit.
Cons
- A hard credit check sits behind every application (hard), so a rejection can be recorded on the file.
- Support runs on email and phone only, with no live chat or help centre listed.
- The rate of 19.9% is steep next to Monzo Flex, where rates run 10% to 23%.
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
BadCreditLoans.com
Who it suits
- US residents with poor credit who need a small amount quickly and can live with 19.9%.
- Borrowers after a car, student or business loan as well as a personal one, since personal, business and student are all in the mix.
- Anyone who wants a fee-free arrangement, with an origination fee of $0 USD.
Who should look elsewhere
- Monzo Flex, for borrowers whose credit file carries them into a cheaper band, since rates there run 10% to 23%.
- Cashspace ES, for anyone who would rather pay 0% than 19.9%.
- Cashspace, for readers outside the US, since this service is limited to US residents.
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
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 | BadCreditLoans.com | Oney Préstamos ES |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
BadCreditLoans.com
What rate do borrowers pay?+
The headline rate is 19.9%, and this is a matching service rather than one lender, so the rate offered depends on which network lender approves. Terms run 3 to 72 and loan sizes run $500 to $10,000.
Is there an origination fee to pay?+
There is no origination fee: $0 USD is charged for setting the loan up or for passing an application to a network lender. A hard credit check (hard) is the cost of looking instead, and a declined application can still be recorded by the lender that ran it.
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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