Updated September 28, 2026 · BorrowCue Editorial Team
Creditio vs Oney Préstamos ES
Creditio vs Oney Préstamos ES: the differences
| Compare |  Creditio |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €100 to €500,000Higher | €1,000 to €45,000 |
| Arrangement fee | 0 EUR | 3% of financed capital (apertura) |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate decision in minutes; funds come from the lender you connect to | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | Users must be over 18; site targets residents of Spain plus the country sites listed in the menu (MX, CO, IT, PT, BR, RO, ZA, PL, DE, PH) | 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, Debt consolidation, Car, Secured, Student | Personal, Car, Student, BNPL |
| APR | 3% to 36% | Not confirmed |
| Term | 2 to 240 months | Not confirmed |
| Representative example | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Not confirmed | No |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Creditio is available in 10 more countries.
- Origination fee (%) is lower at Creditio: 0% vs 3%.
- Loan amount is higher at Creditio: €100 to €500,000 vs €1,000 to €45,000.
- Support channels: only Creditio offers Email.
- Support channels: only Oney Préstamos ES offers Help centre.
- Loan types: only Creditio offers Debt consolidation, Secured.
- Loan types: only Oney Préstamos ES offers BNPL.
Our verdict on each
Creditio
Creditio suits Spanish adults who want a broker to find them a lender quickly and who value a 0 EUR arrangement fee over a fixed rate. The wide rate range means the quote you receive matters more here than the headline does.
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 | Creditio | Oney Préstamos ES |
|---|---|---|
| Cost | 9.6HigherCosts rest on the 0 EUR arrangement fee and the no-cost personal loan example, while 3% to 36% stretches to a high ceiling. | 8.3 |
| Offer | 8.4 | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
Availability and regulation
| Country | Creditio | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both. Additional countries for Creditio: 10.
Ranges side by side
| Fact | Creditio | Oney Préstamos ES |
|---|---|---|
| Loan amount | €100 to €500,000 | €1,000 to €45,000 |
Feature by feature
| Loan types | Creditio | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | No |
| Car | Yes | Yes |
| Student | Yes | Yes |
| BNPL | No | Yes |
What we checked
Creditio
- creditio.es: 16 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Creditio | Oney Préstamos ES |
|---|---|---|
| Personal loans | 78 of 1932 | 1 of 1932 |
| Car loans | 19 of 431 | 1 of 431 |
| Private student loans | 7 of 167 | 1 of 167 |
Every fact side by side
| Fact | Creditio | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | WITME ADVERTISING S.L. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Spain | Spain |
| Support channels | Email, Phone | Help centre, Phone |
Where each stands against the rest
| Fact | Creditio | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 3% to 36%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €100 to €500,000highest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 2 to 240 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditio
Pros
- The arrangement fee is 0 EUR on the personal loan in the representative example, so nothing is added on top of the interest.
- The low end of 3% to 36% sits below Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%.
- The credit check is a soft prequalification, soft prequal, where 72.7% of the brands compared use a hard check.
Cons
- The rate type is variable, so 3% to 36% is a range you are quoted into rather than a price fixed for the whole term.
- Creditio is a broker, so it never lends to you: the money and the contract both belong to the lender you are connected to, and that lender sets the final terms.
- Terms run 2 to 240, well short of the 480 seen across the brands compared, so a large balance has to be repaid quickly.
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
Creditio
Who it suits
- Adults in Spain, and residents of the other country markets named in the eligibility notice, who would rather a broker did the searching.
- Borrowers whose main worry is the arrangement charge, since the fee is 0 EUR on the personal loan example.
- People who need an answer the same day, since the decision comes back in minutes.
Who should look elsewhere
- Borrowers chasing the very lowest headline rate, since Cashspace ES quotes 0%.
- Anyone unwilling to be matched to a different lender, because Creditio is a broker and both the money and the contract sit with the lender you are connected to.
- Readers comparing on a typical rate, since the median advertised rate across the brands compared is 12% while Creditio's own 3% to 36% range is far wider.
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 | Creditio | Oney Préstamos ES |
|---|---|---|
| Brazil | Yes | No |
| Colombia | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Mexico | Yes | No |
| Philippines | Yes | No |
| Poland | Yes | No |
| Portugal | Yes | No |
8 of 11 countries where either is available.
Questions about each
Creditio
What does it cost to arrange a loan through Creditio?+
The arrangement fee is 0 EUR, and the personal loan in the representative example is repaid at no cost at all. The interest rate is the figure that matters, and the example shows a rate below the advertised range of 3% to 36%. Read the two together: the charge is thin, but the range is wide enough that matches will differ, so ask for a written quote before you commit.
What rate will I be offered?+
The advertised range runs 3% to 36% and the rate type is variable, so the rate can move over the life of the loan. For reference, the median advertised rate across the brands compared here is 12%, and Monzo Flex runs 10% to 23%. Ask for the figure in writing, because a rate quoted today is not the rate you repay at later on.
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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