Updated September 30, 2026 · BorrowCue Editorial Team
Credino vs Oney Préstamos ES
Credino vs Oney Préstamos ES: the differences
| Compare |  Credino |  Oney Préstamos ES |
|---|---|---|
| Loan amount | DKK 1,000 to DKK 500,000 | €1,000 to €45,000 |
| Arrangement fee | 0 EUR | 3% of financed capital (apertura) |
| Funding time | First offers selected in about 2 minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | 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 | Car | Personal, Car, Student, BNPLCovers more |
| APR | 81% | Not confirmed |
| Term | 12 months | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE) | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Poor | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.2.
- Loan types: only Oney Préstamos ES offers Personal, Student, BNPL.
Our verdict on each
Credino
Credino suits borrowers with poor credit who want to compare car or home improvement offers through a marketplace rather than applying to a direct lender. Its pricing centres on APR of 81% with origination fees of 0 EUR, so check the published example carefully before you proceed.
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 | Credino | Oney Préstamos ES |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | 8.3Higher |
| Offer | 8.4Offer reflects marketplace reach across car for planned spend | 8.9Higher |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 9.2Higher |
Positions in our rankings
| Ranking | Credino | Oney Préstamos ES |
|---|---|---|
| Car loans | 15 of 431 | 1 of 431 |
| Home improvement loans | 25 of 562 | 1 of 562 |
Side by side, item by item
| Loan types | Credino | Oney Préstamos ES |
|---|---|---|
| Personal | No | Yes |
| Car | Yes | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
| Use cases | Credino | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
Where these facts come from
Credino
- credino.es: 8 facts, checked September 26, 2026
- credino.dk: 5 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Credino | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Not confirmed | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed | Help centre, Phone |
Where each stands against the rest
| Fact | Credino | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 81%highest quarter | Not confirmed | 8.99% |
| Term | 12 monthslowest quarter | Not confirmed | 60 months |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credino
Pros
- Marketplace model via marketplace lets you review varied partner offers in a single search
- Origination fees run 0 EUR so setup adds no separate charge beyond interest
- Car coverage via car suits vehicle shoppers comparing providers
Cons
- Pricing centres on APR of 81% which can make total repayment heavy for tight budgets
- Repayment window sits at 12 which limits flexibility if you hoped to spread costs
- Support runs on email only which may frustrate you if you prefer phone help
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
Credino
Who it suits
- Borrowers with poor credit comparing marketplace offers for car or renovation spend
- Shoppers who value prompt shortlisting described as First offers selected in about 2 minutes before detailed checks
- Borrowers comfortable managing help by email while comparing lenders
Who should look elsewhere
- Borrowers chasing lower headline APR who may prefer Ibancar Prestamos because its listed APR differs from 81%
- Borrowers wanting card style revolving credit who may prefer AXI Card Tarjeta y Credito for its card structure
- Borrowers wanting longer schedules who may avoid Credino because duration sits at 12
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 | Credino | Oney Préstamos ES |
|---|---|---|
| Denmark | Yes | No |
| Spain | No | Yes |
Questions about each
Credino
Is Credino a lender or a comparison service?+
Credino focuses on comparison rather than direct lending, operating as marketplace. You submit details and review partner offers, then continue with the chosen provider under its own terms and checks.
What does borrowing through Credino cost?+
The headline cost is APR of 81% alongside fees of 0 EUR. You should read the published illustration showing monthly instalments and total payable, since interest makes the total exceed the amount borrowed.
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.
Other options to compare
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