Updated September 29, 2026 · BorrowCue Editorial Team
Cool Credit vs Oney Préstamos ES
What sets them apart
| Compare |  Cool Credit |  Oney Préstamos ES |
|---|---|---|
| Loan amount | CZK 1,000 to CZK 30,000 | €1,000 to €45,000 |
| Arrangement fee | Loan provision fee 375 CZK on 1,000 CZK for 30 days; 6,750 CZK on 9,000 CZK for 93 days | 3% of financed capital (apertura) |
| Funding time | Within 10 minutes of loan approval | Decision within 48 h, then money sent to the account you choose |
| Free early repayment | YesHas it | No |
| Eligibility | Individuals aged 18+ with permanent or temporary residence in the Czech Republic, own Czech bank account, mobile phone and email | 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, Car, Student, Business | Personal, Car, Student, BNPL |
| APR | 3,091% to 416,607% | Not confirmed |
| Term | 5 to 93 months | Not confirmed |
| Representative example | 1,000 CZK for 30 days, fixed 0% rate, loan provision fee 375 CZK, RPSN 4,716%, total repayable 1,375 CZK | Not confirmed |
| Rate type | Fixed | Not confirmed |
| 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
- Free early repayment: only Cool Credit.
- Support channels: only Cool Credit offers Email, Chat.
- Loan types: only Cool Credit offers Payday, Business.
- Loan types: only Oney Préstamos ES offers BNPL.
Our verdict on each
Cool Credit
Cool Credit suits Czech residents who need a small fixed-rate loan released quickly, and offers personal, payday, car, student and business lending under one licence.
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 | Cool Credit | Oney Préstamos ES |
|---|---|---|
| Cost | 8.6Higher | 8.3 |
| Offer | 8.9Fixed rates on CZK 1,000 to CZK 30,000 for 5 to 93, same-day funding Within 10 minutes of loan approval. | 8.9 |
| Trust | 8.9 | 9.2Higher |
Positions in our rankings
| Ranking | Cool Credit | Oney Préstamos ES |
|---|---|---|
| Personal loans | 123 of 1932 | 1 of 1932 |
| Car loans | 33 of 431 | 1 of 431 |
| Private student loans | 11 of 167 | 1 of 167 |
Sources behind this comparison
Cool Credit
- coolcredit.cz: 18 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Cool Credit | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | COOL CREDIT, s.r.o. (IČ 02112621) | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Czechia | Spain |
| Founded | 2013 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Cool Credit | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 3,091% to 416,607%highest quarter | Not confirmed | 8.99 |
| Term | 5 to 93 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Cool Credit
Pros
- Funds arrive Within 10 minutes of loan approval, which is quick for a direct lender
- A direct lender, not a broker, so you deal with the entity that makes the decision
- Free early repayment, so settling early costs nothing extra
Cons
- An APR of 3,091% to 416,607% makes anything beyond a short bridge very expensive
- A hard credit check, which is the market's most common type of check and leaves a mark on the file
- A loan provision fee is charged on top of the interest rate, so the example total is far above the amount borrowed
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
Cool Credit
Who it suits
- Czech residents with permanent or temporary residence in the country and a Czech bank account
- Adults with a mobile phone and email, which every applicant needs here
- Borrowers covering a short gap who can clear the balance within the term
Who should look elsewhere
- Anyone planning a long repayment, because the term runs 5 to 93 and the APR is high
- Monzo Flex, if you want a longer fixed-rate loan at a rate that stays sane for years
- Cashspace ES, where the listed APR is far lower, though it sits in a different market
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
Cool Credit
Current offer
Discount code
20% discount for the loan for Slovaks: 20% off with discount code SLOV
Applies to the loan for Slovaks without permanent residence in the Czech Republic
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 | Cool Credit | Oney Préstamos ES |
|---|---|---|
| Czechia | Yes | No |
| Spain | No | Yes |
Questions about each
Cool Credit
What rate will I pay on a Cool Credit loan?+
The advertised APR runs 3,091% to 416,607%, which spans a very wide band. The published example pairs a low fixed rate with a loan provision fee, so the headline rate understates what you repay. Always read the example against the fee rather than the rate alone.
What does Cool Credit charge to arrange a loan?+
A loan provision fee is added to the amount borrowed. The published figures show a fee on a small loan over a short period and a larger fee on a bigger loan over a longer one, so the charge scales with how much you take and how long you keep 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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