Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Oney Préstamos ES
Where Creditilia ES and Oney Préstamos ES differ
| Compare |  Creditilia ES |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €500 to €50,000Higher | €1,000 to €45,000 |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 3% of financed capital (apertura) |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | 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 (%) | 0%Lower | 3% |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Car, Student, BNPL |
| APR | 4% to 289% | Not confirmed |
| Term | 3 to 96 months | Not confirmed |
| Representative example | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Free early repayment: only Creditilia ES.
- Origination fee (%) is lower at Creditilia ES: 0% vs 3%.
- Loan amount is higher at Creditilia ES: €500 to €50,000 vs €1,000 to €45,000.
- Support channels: only Creditilia ES offers Email.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Loan types: only Creditilia ES offers Payday, Debt consolidation, Business.
- Loan types: only Oney Préstamos ES offers Student, BNPL.
Our verdict on each
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
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 | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Cost | 9.4HigherFees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. | 8.3 |
| Offer | 8.5 | 8.9Higher |
| Trust | 8.1 | 9.2Higher |
What each covers
| Loan types | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | No | Yes |
| BNPL | No | Yes |
| Guarantor | Yes | No |
| Use cases | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
Where these facts come from
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Personal loans | 51 of 1932 | 1 of 1932 |
| Car loans | 13 of 431 | 1 of 431 |
| Home improvement loans | 23 of 562 | 1 of 562 |
Every fact side by side
| Fact | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Spain | Spain |
| Support channels | Help centre, Phone |
Mortgages
| Fact | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Initial rate | 4% | Not confirmed |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Creditilia ES | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €500 to €50,000above the median | €1,000 to €45,000above the median | €40,000 |
| Term | 3 to 96 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
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
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
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 | Creditilia ES | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
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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