Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Oney Préstamos ES
What sets them apart
| Compare | Fidea ReviewVisitVisit |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €500 to €60,000Higher | €1,000 to €45,000 |
| Arrangement fee | 0 EUR | 3% of financed capital (apertura) |
| Funding time | A few hours after approval | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | 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, Debt consolidation | Personal, Car, Student, BNPL |
| APR | 0% to 212% | Not confirmed |
| Term | 3 to 60 months | Not confirmed |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | Not confirmed |
| Free early repayment | Not confirmed | No |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard), 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
- Fidea scores higher overall: 8.9 vs 8.8.
- Origination fee (%) is lower at Fidea: 0% vs 3%.
- Loan amount is higher at Fidea: €500 to €60,000 vs €1,000 to €45,000.
- Support channels: only Fidea offers Email.
- Loan types: only Fidea offers Payday, Debt consolidation.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
Fidea
Fidea suits Spanish residents who want a fee-free personal, payday or debt consolidation loan funded within hours rather than the lowest possible rate. With an origination fee of 0 EUR and APR running 0% to 212%, it is a speed play for borrowers who can handle a hard credit check.
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 | Fidea | Oney Préstamos ES |
|---|---|---|
| Cost | 9.7HigherOrigination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 8.3 |
| Offer | 8.9 | 8.9 |
| Trust | 8.3 | 9.2Higher |
How they place
| Ranking | Fidea | Oney Préstamos ES |
|---|---|---|
| Personal loans | 18 of 1932 | 1 of 1932 |
| Home improvement loans | 8 of 562 | 1 of 562 |
Side by side, item by item
| Loan types | Fidea | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
| Use cases | Fidea | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
From lowest to highest
| Fact | Fidea | Oney Préstamos ES |
|---|---|---|
| Loan amount | €500 to €60,000 | €1,000 to €45,000 |
Pick Fidea if, pick Oney Préstamos ES if
Pick Fidea if cost, loan amount, and origination fee (%) matter most.
Pick Oney Préstamos ES if trust matter most.
Sources behind this comparison
Fidea
- fidea.es: 17 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Fidea | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OU (reg. 14563072) | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Support channels | Phone, Email, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Fidea | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €500 to €60,000above the median | €1,000 to €45,000above the median | €40,000 |
| Term | 3 to 60 monthsat the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Fidea
Pros
- No fee comes off the top: the origination fee is 0 EUR and the percentage fee is 0%.
- Funds move A few hours after approval, which is where Fidea outruns slower lenders.
- One application covers personal, payday and debt consolidation and amounts of €500 to €60,000 over terms of 3 to 60.
Cons
- APR runs 0% to 212%, and the representative example ends with a total repayable far above the amount borrowed on a modest sum.
- Applications use a hard credit check (hard), so a refusal is on file and cannot be quietly undone.
- Fidea is a broker, broker, which means the lender, the final rate and the contract terms are set elsewhere after you apply.
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
Fidea
Who it suits
- Residents of Spain holding a DNI or NIE with a Spanish bank account, a mobile number and an email.
- Borrowers with a thin credit file who can live with a hard credit check in exchange for A few hours after approval.
- Anyone planning a home project who wants the fee side of the deal to read 0 EUR.
Who should look elsewhere
- Rate hunters with a strong file: Monzo Flex shows 10% to 23%, far below the top of Fidea's range.
- Borrowers who want one named lender and stated terms up front, since Fidea is a broker and Monzo Flex lists its own range of 10% to 23%.
- Anyone comparing beyond a single market: Cashspace lists PHP 12 to PHP 36, quoted in a different currency for a different set of borrowers.
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 | Fidea | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Fidea
Does Fidea charge an arrangement or origination fee?+
No. The origination fee is 0 EUR and the percentage fee is 0%, so nothing is deducted before the loan is paid out. What you pay is interest, and the number to check is the representative example, which on a modest sum shows a total repayable well above the amount borrowed.
What APR will I actually pay?+
Fidea quotes APR of 0% to 212%, a wide spread that reflects the partner lender you are matched with rather than a single Fidea price. For context, the median across the personal loans compared here is 12.25%, so treat the lower end as the realistic target and the upper end as what a thin file can be charged.
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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