Updated September 28, 2026 · BorrowCue Editorial Team
Fiesta Credito MX vs Oney Préstamos ES
Fiesta Credito MX vs Oney Préstamos ES: the differences
| Compare |  Fiesta Credito MX |  Oney Préstamos ES |
|---|---|---|
| Loan amount | MX$1,000 to MX$150,000 | €1,000 to €45,000 |
| Arrangement fee | 0 MXN | 3% of financed capital (apertura) |
| Credit check | Soft prequal | Hard |
| Funding time | Deposited directly in your bank account in under 24 hours | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | Ages 18 to 80, resident of Mexico, CURP, national bank account, email address and mobile number | 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, Secured | Personal, Car, Student, BNPL |
| APR | 0% to 3.752% | Not confirmed |
| Term | 1 to 36 months | Not confirmed |
| Representative example | Personal loan of 10,000 MXN at a 12% annual rate over 6 months: monthly payment 1,732.98 MXN, total repayment 10,397.88 MXN, total CAT 12.001% | Not confirmed |
| Free early repayment | Not confirmed | No |
| Credit needed | Poor | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- Fiesta Credito MX scores higher overall: 8.9 vs 8.8.
- Origination fee (%) is lower at Fiesta Credito MX: 0% vs 3%.
- Support channels: only Fiesta Credito MX offers Email.
- Loan types: only Fiesta Credito MX offers Payday, Secured.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
Fiesta Credito MX
Fiesta Credito MX suits Mexican adults with a national bank account who want a small personal, payday or secured loan priced without an origination fee. Its 0% to 3.752% sits below the 12% most brands charge, though the 1 to 36 cap keeps large balances costly to clear.
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 | Fiesta Credito MX | Oney Préstamos ES |
|---|---|---|
| Cost | 9.7HigherFees are 0 MXN with a percentage fee of 0%, and borrowing is priced at 0% to 3.752%. | 8.3 |
| Offer | 8.5 | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
Feature by feature
| Loan types | Fiesta Credito MX | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Secured | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
| Use cases | Fiesta Credito MX | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
Where these facts come from
Fiesta Credito MX
- fiestacredito.mx: 17 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Fiesta Credito MX | Oney Préstamos ES |
|---|---|---|
| Personal loans | 36 of 1932 | 1 of 1932 |
| Home improvement loans | 15 of 562 | 1 of 562 |
Every fact side by side
| Fact | Fiesta Credito MX | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OÜ | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Support channels | Email, Phone, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Fiesta Credito MX | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | Not confirmed | 8.99 |
| Term | 1 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
Fiesta Credito MX
Pros
- The origination fee is 0 MXN and the percentage fee is 0%, so the cost of setting up a loan is nothing.
- APR runs 0% to 3.752%, below the 12% across the site, which keeps the headline cost of a loan competitive.
- The credit check is a soft prequal search, so checking your rate does not carry the same weight as a hard search.
Cons
- Fiesta Credito MX is a broker, so a lender you never name is the one holding the loan and setting the final terms.
- The term runs 1 to 36, far shorter than the 60 typical of secured lending, so a large balance is expensive to clear.
- The credit needed is poor, and the bad credit market here runs a 19.98% APR against the 0% to 3.752% quoted here.
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
Fiesta Credito MX
Who it suits
- Adults living in Mexico with a CURP and a national bank account who need a personal or payday loan.
- Borrowers with poor credit who want a soft prequal check rather than a hard one before they apply.
- People funding home improvement work, the single stated use case on the home improvement list.
Who should look elsewhere
- Anyone wanting a long fixed term: the 1 to 36 window ends well short of the 60 seen across personal loan brands.
- Borrowers who want to know exactly who lends to them, because Fiesta Credito MX works as a broker.
- Readers priced off a flat rate, since Monzo Flex quotes 10% to 23% where Fiesta Credito MX runs its 0% to 3.752% at the bottom of the range.
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 | Fiesta Credito MX | Oney Préstamos ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
Fiesta Credito MX
What does a Fiesta Credito MX loan cost?+
There is no origination charge: the origination fee is 0 MXN and the percentage fee is 0%. Borrowing itself is priced at 0% to 3.752%, and the site-wide figure is 12%. A representative example is published for a personal loan, showing the annual rate, a fixed monthly payment and the total amount repaid.
How much can I borrow and for how long?+
Amounts run MXN 1,000 to MXN 150,000, so the range suits a household bill or a repair rather than a major project. The term is 1 to 36, which is short by the standards of this market. Personal, payday and secured loans are all available, and home improvement is the use case the brand highlights.
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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