Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio ES vs Oney Préstamos ES
Where Credigenio ES and Oney Préstamos ES differ
| Compare |  Credigenio ES |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €50 to €5,000 | €1,000 to €45,000Higher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 3% of financed capital (apertura) |
| Funding time | Same day - money can be in your account today | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll 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 317% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Fair | 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 Credigenio ES.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €50 to €5,000.
- Support channels: only Credigenio ES offers Email.
- Support channels: only Oney Préstamos ES offers Phone.
- Loan types: only Credigenio ES offers Payday.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
Credigenio ES
Credigenio ES suits Spanish adults who need a small personal or payday loan today and can clear it inside 3 to 4. Speed is the draw, and the fee line reads 0 EUR - no application, opening or management fee, but APR runs 0% to 317% and the offer score is 1.5.
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 | Credigenio ES | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5Higher | 8.3 |
| Offer | 8.4Free early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. | 8.9Higher |
| Trust | 8.1 | 9.2Higher |
From lowest to highest
| Fact | Credigenio ES | Oney Préstamos ES |
|---|---|---|
| Loan amount | €50 to €5,000 | €1,000 to €45,000 |
Where each is licensed and available
| Country | Credigenio ES | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
Where they rank in our lists
| Ranking | Credigenio ES | Oney Préstamos ES |
|---|---|---|
| Personal loans | 12 of 1932 | 1 of 1932 |
If neither fits
Sofkredit has loan amount at €12,000 to €300,000, against €50 to €5,000 for Credigenio ES and €1,000 to €45,000 for Oney Préstamos ES.
Sofkredit reviewEvery fact side by side
| Fact | Credigenio ES | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Help centre, Phone |
Where each stands against the rest
| Fact | Credigenio ES | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 3 to 4 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credigenio ES
Pros
- No charge to set the loan up: 0 EUR - no application, opening or management fee on the personal and the payday product alike.
- Money can land the same day: Same day - money can be in your account today.
- Early repayment is free, so a shorter hold genuinely costs less.
Cons
- APR runs 0% to 317%, against 10% to 23% at Monzo Flex and PHP 12 to PHP 36 at Cashspace, so the rate is the weak point.
- 3 to 4 is the whole window, so anything beyond a bridge to the next payday does not fit.
- Support runs on email and help centre only, with no phone line or live chat listed.
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
Credigenio ES
Who it suits
- Readers who put speed and a clear fee first, since Same day - money can be in your account today and 0 EUR - no application, opening or management fee are the parts worth having, against the PHP 12 to PHP 36 range Cashspace lists.
- Borrowers turned away elsewhere who still meet the fair bar, since no guarantor and no payroll document are needed.
- Anyone who can settle inside 3 to 4 and wants to finish without a charge, rather than rolling a balance while paying PHP 12 to PHP 36 elsewhere.
Who should look elsewhere
- Anyone choosing on rate: Monzo Flex lists 10% to 23%, far under the 0% to 317% range here.
- Borrowers who need a longer window than 3 to 4 to clear a balance, since nothing longer is offered here.
- Readers who want a phone or live chat line, because support runs on email and help centre only.
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
Credigenio ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
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 | Credigenio ES | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credigenio ES
What does it cost to borrow?+
There is no application, opening or management charge, since the stated origination fee is 0 EUR - no application, opening or management fee, and it applies to both the personal and the payday product. The real cost sits in the interest, where APR runs 0% to 317%. Settle early and that cost stops building, because early repayment is free.
What does a real loan from this look like?+
The representative example takes a small loan over a short term and shows the total repayable well above the amount borrowed, with the cost of borrowing a marked share of the repayment. That is the pattern to expect, and 3 to 4 is the window on offer across both the personal and the payday product. Compare it with the 0% to 317% range before you commit.
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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