Updated September 28, 2026 · BorrowCue Editorial Team
Cofidis FR vs Oney Préstamos ES
Cofidis FR vs Oney Préstamos ES: the differences
| Compare |  Cofidis FR |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €500 to €35,000 | €1,000 to €45,000Higher |
| Arrangement fee | 0 EUR | 3% of financed capital (apertura) |
| Funding time | Under 8 days after contract signature (express request) | Decision within 48 h, then money sent to the account you choose |
| Free early repayment | YesHas it | No |
| Loan types | Personal, Credit line, Debt consolidation, Car, BNPL | Personal, Car, Student, BNPL |
| APR | 5.43% to 8.54% | Not confirmed |
| Term | 12 to 84 months | Not confirmed |
| Representative example | Personal loan of 16,000 EUR over 60 months: 8.54% fixed TAEG (8.22% fixed nominal rate), 326.11 EUR per month, 19,566.23 EUR total due | 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% |
Same on both: Credit check (Hard), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Cofidis FR scores higher overall: 9.3 vs 8.8.
- Cofidis FR is licensed in 1 more country.
- Cofidis FR is available in 1 more country.
- Free early repayment: only Cofidis FR.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €500 to €35,000.
- Support channels: only Cofidis FR offers Email, Chat.
- Loan types: only Cofidis FR offers Credit line, Debt consolidation.
- Loan types: only Oney Préstamos ES offers Student.
Our verdict on each
Cofidis FR
Cofidis is a sensible pick for anyone borrowing in France for a car, a home project or a consolidation. Fees of 0 EUR, rates of 5.43% to 8.54% and a hard credit check keep the offer clear, and free early repayment leaves room to pay it off sooner.
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 | Cofidis FR | Oney Préstamos ES |
|---|---|---|
| Cost | 9.3Higher | 8.3 |
| Offer | 9.3HigherFees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. | 8.9 |
| Trust | 9.4Higher | 9.2 |
Licences and countries
| Country | Cofidis FR | Oney Préstamos ES |
|---|---|---|
| Belgium | BE_NBB PSD_PI BE_NBB!0400359283 | Not confirmed |
| France | Not confirmed | |
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Cofidis FR: 2. Additional countries for Oney Préstamos ES: 1.
Feature by feature
| Loan types | Cofidis FR | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Car | Yes | Yes |
| Student | No | Yes |
| BNPL | Yes | Yes |
| Use cases | Cofidis FR | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
Also worth a look
Sofkredit has loan amount at €12,000 to €300,000, against €500 to €35,000 for Cofidis FR and €1,000 to €45,000 for Oney Préstamos ES.
Sofkredit reviewHow they place
| Ranking | Cofidis FR | Oney Préstamos ES |
|---|---|---|
| Personal loans | 298 of 1932 | 1 of 1932 |
| Car loans | 70 of 431 | 1 of 431 |
| Home improvement loans | 98 of 562 | 1 of 562 |
| Buy now, pay later | 13 of 88 | 1 of 88 |
Every fact side by side
| Fact | Cofidis FR | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Not confirmed |
| Legal entity | Cofidis | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Belgium | Spain |
| Founded | 1982 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Cofidis FR | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 5.43% to 8.54%below the median | Not confirmed | 8.99 |
| Loan amount | €500 to €35,000below the median | €1,000 to €45,000above the median | €40,000 |
| Term | 12 to 84 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Cofidis FR
Pros
- No origination fee on the loans listed here, so the quoted rate is the main cost
- Fixed rate lending only, so repayments do not move with market rates
- Free early repayment, so overpaying is not penalised
Cons
- Hard credit check, so a declined application leaves an impact on the credit file
- Funding takes Under 8 days after contract signature (express request), which is slower than same day lenders
- The shortest available term is 12 to 84, so shorter borrowing is not an option
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
Cofidis FR
Who it suits
- Borrowers in France funding a car, a home project or an existing balance
- People with a solid credit file who pass a full credit check
- Anyone who values a fixed rate and no origination fee over speed
Who should look elsewhere
- Anyone needing money the same day, since funding runs to Under 8 days after contract signature (express request)
- Applicants with thin credit, as the credit check is hard
- Monzo Flex, if you want a wider rate range at 10% to 23%
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
Cofidis FR
Current offer
Bonus
Decouvrez l'offre Monabanq !: Up to 280 EUR
Offer valid for a limited period, subject to Monabanq partner conditions
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 | Cofidis FR | Oney Préstamos ES |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Spain | No | Yes |
Questions about each
Cofidis FR
What does Cofidis charge for arranging a loan?+
The origination fee is 0 EUR, so nothing is added on top of the quoted rate. That makes the headline rate the main cost to compare. Early repayment is free, so finishing sooner does not attract a charge.
What rate will I pay on a Cofidis personal loan?+
Rates run 5.43% to 8.54% on a fixed basis, and the rate type is fixed rather than variable. That means the monthly amount holds for the length of the agreement. It sits below the site median of 12%.
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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