Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Oney Préstamos ES
Facts checked September 26, 2026.
Where DKB (Deutsche Kreditbank) and Oney Préstamos ES differ
| Compare |  DKB (Deutsche Kreditbank) |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €2,500 to €100,000Higher | €1,000 to €45,000 |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Decision within 48 h, then money sent to the account you choose |
| Free early repayment | YesHas it | No |
| Eligibility | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account | 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, Car, Debt consolidation | Personal, Car, Student, BNPL |
| APR | 6.99% | Not confirmed |
| Term | 12 to 120 months | Not confirmed |
| Arrangement fee | Not confirmed | 3% of financed capital (apertura) |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
Same on both: Lender type (Direct lender), 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
- Free early repayment: only DKB (Deutsche Kreditbank).
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €1,000 to €45,000.
- Support channels: only DKB (Deutsche Kreditbank) offers Chat, Email.
- Loan types: only DKB (Deutsche Kreditbank) offers Debt consolidation.
- Loan types: only Oney Préstamos ES offers Student, BNPL.
Our verdict on each
DKB (Deutsche Kreditbank)
DKB provides direct lending instead of passing applications between intermediaries, which keeps responsibility with one provider. It covers personal, car and consolidation borrowing for purchase, remortgage and home improvement, with soft prequalification and support across phone, chat, email and help centre.
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 | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Cost | Not confirmed | 8.3 |
| Offer | 9.4Higher | 8.9 |
| Trust | 9.2 | 9.2 |
Side by side, item by item
| Loan types | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
| Use cases | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
Where they rank in our lists
| Ranking | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Personal loans | 16 of 1944 | 1 of 1944 |
| Car loans | 5 of 432 | 1 of 432 |
| Home improvement loans | 7 of 562 | 1 of 562 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 6.99%below the median | Not confirmed | 8.99% |
| Loan amount | €2,500 to €100,000highest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1007 listed lenders.
Pros and cons
DKB (Deutsche Kreditbank)
Pros
- Direct lender setup keeps application and servicing with one provider
- Covers purchase, remortgage and home improvement across varied personal needs
- Offers soft prequalification alongside phone, chat, email and help centre support
Cons
- Excludes self employed and freelance applicants, focusing on permanent employment or pension
- Requires a mobile number plus online banking access to the salary account
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
DKB (Deutsche Kreditbank)
Who it suits
- Borrowers seeking purchase, remortgage or home improvement funding
- Employees and pension recipients wanting a direct lending relationship
Who should look elsewhere
- Self employed or freelance borrowers seeking lending
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
DKB (Deutsche Kreditbank)
Current offer
Discount code
Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate
Purchase of an existing property; see Zinsvorteil section
Source, checked September 26, 2026
Discount code
Zinsrabatt of 0.1 percentage points for Gruene Baufinanzierung: 0.1 percentage points off the interest rate
Energy-efficient property, green mortgage financing
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 | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
DKB (Deutsche Kreditbank)
Who can apply for lending with DKB?+
Applicants need to have reached adulthood and work in permanent employment or receive an indefinite pension. Self employed and freelance work falls outside eligibility. Checks also ask for a local handset contact and digital entry to the account receiving wages.
Which products does DKB cover?+
The range centres on personal borrowing, including car funding and debt consolidation support. Purposes span purchase, remortgage and home improvement needs. Lending is arranged directly, so application and servicing stay with the same provider throughout.
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
Other matchups
- Oney Préstamos ES vs Tamara
- Oney Préstamos ES vs ACLEDA Bank
- Oney Préstamos ES vs Addi
- Oney Préstamos ES vs Cofidis FR
- Oney Préstamos ES vs KiwiCredito
- DKB (Deutsche Kreditbank) vs Sofkredit
- DKB (Deutsche Kreditbank) vs Quick Car Finance
- DKB (Deutsche Kreditbank) vs Prestamiau ES
- DKB (Deutsche Kreditbank) vs Prestamiau
- DKB (Deutsche Kreditbank) vs Ibancar Prestamos
- DKB (Deutsche Kreditbank) vs Fidea
- DKB (Deutsche Kreditbank) vs Youmoney
- DKB (Deutsche Kreditbank) vs Fiesta Credito
- DKB (Deutsche Kreditbank) vs Fiesta Credito MX
- Oney Préstamos ES vs Lendela
- Oney Préstamos ES vs Creditio
- Oney Préstamos ES vs Alt Lending
- Oney Préstamos ES vs Kredivo
- Oney Préstamos ES vs LendKey
- Oney Préstamos ES vs LEND.ch
- Oney Préstamos ES vs Cool Credit
- Oney Préstamos ES vs KOHO
- Oney Préstamos ES vs Moneyveo VN