Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia vs Oney Préstamos ES
Where Creditilia and Oney Préstamos ES differ
| Compare |  Creditilia |  Oney Préstamos ES |
|---|---|---|
| Loan amount | MX$1,000 to MX$150,000 | €1,000 to €45,000 |
| Arrangement fee | 0 MXN | 3% of financed capital (apertura) |
| Funding time | Answer in under 24 hours; some offers in minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Eligibility | Users must be 18 or older; Mexican market (terms governed by the laws in force in the United Mexican States) | 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, Car, Business, Debt consolidation, Secured | Personal, Car, Student, BNPL |
| APR | 0% to 36% | Not confirmed |
| Term | 2 to 3 months | Not confirmed |
| Representative example | Personal loan of MXN 1,000 repaid over 67 days: costs $0 pesos, total repayable MXN 1,000, CAT 0% | Not confirmed |
| Free early repayment | Not confirmed | No |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Origination fee (%) is lower at Creditilia: 0% vs 3%.
- Loan types: only Creditilia offers Business, Debt consolidation, Secured.
- Loan types: only Oney Préstamos ES offers Student, BNPL.
Our verdict on each
Creditilia
Creditilia suits borrowers in a single market who want a small personal loan settled quickly and can live with a hard credit check. Its origination fee is 0 MXN and its rate runs 0% to 36%, with a representative example quoted at no extra cost. Short terms mean the balance clears fast rather than lingering.
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 | Oney Préstamos ES |
|---|---|---|
| Cost | 9.7HigherOrigination fee of 0 MXN and 0%, rates run 0% to 36%, against a personal loan example that carries no cost at all. | 8.3 |
| Offer | 8.3 | 8.9Higher |
| Trust | 8.1 | 9.2Higher |
Licences and countries
| Country | Creditilia | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Creditilia: 1. Additional countries for Oney Préstamos ES: 1.
Where these facts come from
Creditilia
- creditilia.mx: 16 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Creditilia | Oney Préstamos ES |
|---|---|---|
| Personal loans | 50 of 1932 | 1 of 1932 |
| Car loans | 12 of 431 | 1 of 431 |
| Home improvement loans | 22 of 562 | 1 of 562 |
Every fact side by side
| Fact | Creditilia | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | The Way Media LLC | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | United States | Spain |
| Support channels | Not confirmed | Help centre, Phone |
Where each stands against the rest
| Fact | Creditilia | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Term | 2 to 3 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditilia
Pros
- The origination fee is 0 MXN and 0%, so nothing is added on top of the quoted rate at the point of arrangement.
- Rates run 0% to 36%, and the representative example shown costs nothing extra, which keeps the total repayable close to the amount borrowed.
- Answer in under 24 hours; some offers in minutes covers the answer, so a decision does not depend on waiting a full working week.
Cons
- A hard credit check on hard means an application leaves a mark that a declined application cannot erase.
- Terms are 2 to 3, which is short enough that the balance is cleared quickly but leaves little room to stretch a larger amount.
- The representative example is drawn from the smallest end of MXN 1,000 to MXN 150,000 over 2 to 3, so the headline cost picture describes the smallest loans on the book rather than a typical one.
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
Who it suits
- Adults in a single market whose credit history is poor and who need a small personal loan answered inside Answer in under 24 hours; some offers in minutes.
- Borrowers who want a marketplace rate set by several lenders and a clean, fee-free arrangement on the amount.
- People with a home improvement in mind, which is the stated use for the loan.
Who should look elsewhere
- Anyone who cannot afford a hard credit check on hard, where a soft prequalification would be gentler on the file.
- Borrowers who want a long repayment window, since terms are 2 to 3 and the balance is gone in a short period.
- Applicants who need MXN 1,000 to MXN 150,000 at the top of the range, where the cap sits well below the largest personal loans on the site.
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 | Oney Préstamos ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
Creditilia
What does a Creditilia personal loan cost to set up?+
The origination fee is 0 MXN and the percentage fee is 0%, so nothing is added on top of the quoted rate when the loan is arranged. Rates run 0% to 36%. The representative example shown quotes a small personal loan with no cost attached, where the total repayable matches the amount borrowed.
Is Creditilia a lender or a marketplace?+
It is a marketplace, which means it puts borrowers in touch with lenders rather than lending the money itself. marketplace is the fact to hold on to, because the rate you are offered, the amount available and the term all come from the lender behind the particular offer.
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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