Updated September 28, 2026 · BorrowCue Editorial Team
Crezu ES vs Oney Préstamos ES
Where Crezu ES and Oney Préstamos ES differ
| Compare |  Crezu ES |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €1,000 to €45,000Higher |
| Arrangement fee | 0 EUR | 3% of financed capital (apertura) |
| Credit check | Soft prequal | Hard |
| Funding time | money in 15 minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | 18+, internet access, ID document and bank account, Spain | 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 | Personal, Payday, Debt consolidation, Car | Personal, Car, Student, BNPL |
| APR | 0% to 36% | Not confirmed |
| Term | 91 to 120 months | Not confirmed |
| Representative example | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% | 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
- Crezu ES scores higher overall: 9.0 vs 8.8.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Crezu ES offers Email.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Loan types: only Crezu ES offers Payday, Debt consolidation.
- Loan types: only Oney Préstamos ES offers Student, BNPL.
Our verdict on each
Crezu ES
Crezu ES suits Spanish borrowers with a poor credit history who need a small sum the same day. APR runs 0% to 36%, the origination fee is 0 EUR and advertised funding is money in 15 minutes, so the rate you are given rests on the partner lender who responds.
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 | Crezu ES | Oney Préstamos ES |
|---|---|---|
| Cost | 9.9Higher | 8.3 |
| Offer | 8.8Broker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
Feature by feature
| Loan types | Crezu ES | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
| Use cases | Crezu ES | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
Where they rank in our lists
| Ranking | Crezu ES | Oney Préstamos ES |
|---|---|---|
| Personal loans | 47 of 1932 | 1 of 1932 |
| Car loans | 11 of 431 | 1 of 431 |
| Home improvement loans | 20 of 562 | 1 of 562 |
Every fact side by side
| Fact | Crezu ES | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Support channels | Help centre, Phone |
Where each stands against the rest
| Fact | Crezu 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 | 91 to 120 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Crezu ES
Pros
- APR runs 0% to 36%, so the headline cost sits at the low end of what lenders charge
- The origination fee is 0 EUR, and the representative example shows costs of nothing and a total repayable equal to the amount borrowed
- Funding is advertised at money in 15 minutes, which suits an urgent bill
Cons
- Crezu ES lists its lender kind as a broker (broker), so the rate you are offered depends on which partner responds
- APR can reach 0% to 36% at the top of the range, well above the 12% typical across the site
- Support runs on email only, with no phone or chat route listed
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
Crezu ES
Who it suits
- Adults in Spain with a poor credit history who need a small sum quickly
- Borrowers who want to see an offer through a soft prequalification rather than a full credit search
- Anyone comfortable letting a broker pass their details to partner lenders
Who should look elsewhere
- Monzo Flex readers, whose APR is 10% to 23% and who want a longer term for a larger sum
- Cashspace readers, whose APR is PHP 12 to PHP 36
- Borrowers who need phone or chat support, since Crezu ES lists email
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
Crezu ES
Current offer
Bonus
Primer prestamo sin coste (0% APR) para nuevos usuarios: 0% APR, costs 0 EUR
New users only; applies to partner lender offers
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 | Crezu ES | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Crezu ES
What APR does Crezu ES charge?+
Crezu ES publishes APR of 0% to 36%, from the lowest pricing to the highest. Because the brand is a broker, the rate depends on which partner lender responds and on your credit profile, so the lower end of the range is a starting point rather than the expected outcome. The median APR across the site is 12%.
Is there an arrangement or origination fee?+
The origination fee is 0 EUR, so there is no separate charge for setting the loan up. The representative example shows costs of nothing on a small short term borrowing, with a total repayable equal to the amount borrowed. Interest is the only element in that example.
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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