Updated September 28, 2026 · BorrowCue Editorial Team
Credityes ES vs Oney Préstamos ES
Credityes ES vs Oney Préstamos ES: the differences
| Compare |  Credityes ES |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €1,000 to €45,000Higher |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 3% of financed capital (apertura) |
| Funding time | Money in a few minutes after a positive decision | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | 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 | Personal, Car, Student, BNPL |
| APR | 0% to 36% | Not confirmed |
| Term | 2 to 36 months | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | Not confirmed |
| Free early repayment | Not confirmed | No |
Same on both: Use cases (Home improvement).
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Key differences
- Origination fee (%) is lower at Credityes ES: 0% vs 3%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Credityes ES offers Email.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Loan types: only Credityes ES offers Payday.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
Credityes ES
Credityes ES suits borrowers in Spain who want a personal or payday loan with no arrangement fee and money in minutes of a decision, with rates of 0% to 36% set by the match. The trade-off is a modest ceiling of €100 to €5,000 and a broker model, so the lender sets the final rate.
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 | Credityes ES | Oney Préstamos ES |
|---|---|---|
| Cost | 9.7HigherArrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. | 8.3 |
| Offer | 8.3 | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
Availability and regulation
| Country | Credityes ES | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
Positions in our rankings
| Ranking | Credityes ES | Oney Préstamos ES |
|---|---|---|
| Personal loans | 9 of 1932 | 1 of 1932 |
| Home improvement loans | 6 of 562 | 1 of 562 |
What each covers
| Loan types | Credityes ES | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
| Use cases | Credityes ES | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
Which one suits you
Pick Credityes ES if cost and origination fee (%) matter most.
Pick Oney Préstamos ES if offer, trust, and loan amount matter most.
Where these facts come from
Credityes ES
- credityes.es: 15 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Credityes ES | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | SIA DoAff | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Latvia | Spain |
| Support channels | Help centre, Phone |
Where each stands against the rest
| Fact | Credityes ES | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 2 to 36 monthsbelow the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, because no commission is charged for selecting the loan, so nothing is added for putting it together.
- Rates of 0% to 36% start lower than Monzo Flex, which publishes a band of 10% to 23%.
- The representative example shows the total repayable equal to the amount borrowed, so the cheapest match costs nothing to carry.
Cons
- As a broker, Credityes ES leaves the final rate to the partner lender, so the published 0% to 36% is a starting point rather than an offer.
- Borrowing tops out at €100 to €5,000, well below the largest personal loan recorded on the site, €653,159.33.
- Support runs on email only, so a payment problem waits on a written reply instead of a phone line.
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
Credityes ES
Who it suits
- Borrowers living in Spain who need a personal or payday loan and want nothing added for the arrangement, provided they hold a bank account in their own name.
- Anyone covering a home improvement, since home improvement is listed among the uses.
- Cost-first readers who look at the total repayable before anything else, because the representative example shows nothing added to the amount borrowed.
Who should look elsewhere
- Not for a major renovation, where the ceiling of €100 to €5,000 falls well short of the largest personal loans on the site, €653,159.33, so a larger lender such as Monzo Flex is the fairer place to look.
- Not for a long repayment, because terms of 2 to 36 end well before the longest personal loans in the ranking, 480, so a longer provider is worth comparing first.
- Not for shoppers who want several rate bands side by side, since Cashspace sets out PHP 12 to PHP 36 while this service publishes a single range of 0% to 36%.
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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
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 | Credityes ES | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
Is there an arrangement fee or commission at Credityes ES?+
No. The arrangement fee is free for the customer, because the service charges no commission for selecting the loan, and the origination charge of 0% does not add to what you repay. What you see on an offer is interest set by the partner lender inside the published band of 0% to 36%.
What rate will I actually pay?+
The service publishes rates of 0% to 36% for personal and payday borrowing, and as a broker it sets a band rather than a single figure. The rate on your offer comes from the partner lender you are matched with. The representative example shows the cheapest end of that range, where the total repayable equals 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.
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