Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio vs Oney Préstamos ES
What sets them apart
| Compare |  Credigenio |  Oney Préstamos ES |
|---|---|---|
| Loan amount | MX$1,000 | €1,000 to €45,000 |
| Arrangement fee | 0 MXN | 3% of financed capital (apertura) |
| Funding time | 15-30 minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Loan types | Personal | Personal, Car, Student, BNPLCovers more |
| APR | 0% to 36% | Not confirmed |
| Term | 3 to 4 months | Not confirmed |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Credigenio is available in 1 more country.
- Free early repayment: only Credigenio.
- Support channels: only Credigenio offers Email.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
Credigenio
Credigenio suits adults who need a small peso loan quickly and want nothing added for setting it up. Borrowing is MXN 1,000 with an APR of 0% to 36%, so treat it as short-term cash rather than a way to spread a large bill.
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 | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5Higher | 8.3 |
| Offer | 8.3 | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
Side by side, item by item
| Loan types | Credigenio | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
How they place
| Ranking | Credigenio | Oney Préstamos ES |
|---|---|---|
| Personal loans | 11 of 1932 | 1 of 1932 |
Every fact side by side
| Fact | Credigenio | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Mexico | Spain |
| Support channels | Help centre, Phone |
Where each stands against the rest
| Fact | Credigenio | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| 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
Pros
- The origination fee is 0 MXN, so nothing is added for setting the loan up.
- Money arrives in 15-30 minutes once a lender agrees, all within the same sitting.
- An APR of 0% to 36% starts at the cheapest end of the market, below the 10% to 23% band at Monzo Flex.
Cons
- Support runs on email only, so there is no phone or chat line when a payment date is close.
- Terms run 3 to 4, so the balance has to clear quickly and cannot be spread across a longer budget.
- As a broker, Credigenio sets no rate itself, so 0% to 36% is a band to plan against rather than the offer you sign.
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
Who it suits
- Adults who need a small peso loan today and hold an active mobile number plus a bank account in their own name.
- Borrowers who want no fee for setting up the loan and can clear it early at no charge.
- People with fair credit (fair) who accept a hard credit check in exchange for a short document list.
Who should look elsewhere
- Anyone wanting to spread the cost over years: Monzo Flex runs at 10% to 23% and suits a longer budget than 3 to 4.
- Readers after a larger sum: Cashspace works at PHP 12 to PHP 36, above the MXN 1,000 available here.
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
Current offer
First period offer
0% for new customers: 0% CAT on the first loan with selected lenders
Applies with selected lenders; the site's own example shows a 1000$ loan over 91 days at 0% CAT, total repayable 1000$
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 | Oney Préstamos ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | Yes | Yes |
Questions about each
Credigenio
What will a loan from Credigenio cost me?+
Interest is quoted as an APR of 0% to 36% and the origination fee is 0 MXN on the personal loan, which is the only type offered. The published representative example shows a small loan repaid in full at no extra cost in pesos, so what you actually pay depends on the offer the broker secures for you.
How much can I borrow?+
The amount stated is MXN 1,000, one figure rather than a range, which keeps the loan small. That suits a repair bill, a medical cost or a gap between wages. Readers who need more should weigh Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% instead.
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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