Updated September 28, 2026 · BorrowCue Editorial Team
Fiesta Credito vs Oney Préstamos ES
Fiesta Credito vs Oney Préstamos ES: the differences
| Compare |  Fiesta Credito |  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 | Under 15 minutes | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | Aged 18 to 80, legal resident in Spain, Spanish bank account with IBAN, valid DNI or NIE, Spanish 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 | Personal, Car, Student, BNPL |
| APR | 0% to 317% | Not confirmed |
| Term | 2 to 3 months | Not confirmed |
| Representative example | EUR 300 over 66 days: loan cost EUR 45.26, total repayable EUR 345.25, TAE 203.72% | 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 scores higher overall: 8.9 vs 8.8.
- Origination fee (%) is lower at Fiesta Credito: 0% vs 3%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Fiesta Credito offers Email.
- Loan types: only Fiesta Credito offers Payday.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
Fiesta Credito
Fiesta Credito suits adults in Spain who need a modest short-term loan in a hurry and have an imperfect credit file, thanks to a soft prequalification check and funding in Under 15 minutes. The trade-off is cost: the annual rate runs 0% to 317% and the cost score is 7.3.
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 | Oney Préstamos ES |
|---|---|---|
| Cost | 9.7HigherThe arrangement fee is 0 EUR and the percentage charge is 0%, but the rate is the weight in the balance. | 8.3 |
| Offer | 8.7 | 8.9Higher |
| Trust | 8.2 | 9.2Higher |
From lowest to highest
| Fact | Fiesta Credito | Oney Préstamos ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €1,000 to €45,000 |
Where they rank in our lists
| Ranking | Fiesta Credito | Oney Préstamos ES |
|---|---|---|
| Personal loans | 35 of 1932 | 1 of 1932 |
| Home improvement loans | 14 of 562 | 1 of 562 |
Which one suits you
Pick Fiesta Credito if cost and origination fee (%) matter most.
Pick Oney Préstamos ES if loan amount matter most.
Where each is licensed and available
| Country | Fiesta Credito | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Available in 1 country for both.
Every fact side by side
| Fact | Fiesta Credito | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OU | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Founded | 2020 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Fiesta Credito | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 317%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 3 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Fiesta Credito
Pros
- Speed is the product: same-day funding in Under 15 minutes suits a bill that cannot wait.
- The check is a soft prequalification (soft prequal), a gentler first look than a hard enquiry, and the target is poor credit files.
- The sums are contained, €100 to €5,000, so the exposure if the month goes wrong is smaller than on a large personal loan.
Cons
- The annual rate is the price of that speed, and 0% to 317% sits well above the 12% figure typical of lenders listed here.
- The term is 2 to 3, so the balance returns faster than most personal loans and there is little room to stretch a payment.
- It is a broker rather than the lender, so the rate and fees you sign are the ones on the lender's offer.
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
Who it suits
- Adults in Spain who hold a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, and need a small sum covered in Under 15 minutes.
- Borrowers with poor credit whose file would struggle with a hard enquiry, since the initial look is a soft prequalification.
- People who can clear a bridging cost, such as an urgent repair, from the next payment rather than from savings.
Who should look elsewhere
- Anyone after a long, cheaper personal loan: 2 to 3 is a brief repayment window, and Monzo Flex at 10% to 23% suits borrowing repaid over years.
- Borrowers chasing the lowest rate, because 0% to 317% is the cost of the speed and Cashspace at PHP 12 to PHP 36 is worth checking on price.
- Anyone without a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, since eligibility asks for all three.
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
Fiesta Credito
Current offer
First period offer
First 3000 EUR with no commission, repayable over 60 months: 3000 EUR, 0 EUR commission
Source, checked September 26, 2026
First period offer
First loan up to 300 EUR at 0% interest: 0% interest on first loan up to 300 EUR
New customers; repayable in a period of up to 90 days
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 | Fiesta Credito | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Fiesta Credito
How much can I borrow, and for how long?+
Loans run €100 to €5,000 and repayments are scheduled over 2 to 3, so the balance returns quickly and the interest has little time to build. Among the 685 brands on this site ranked for loan amount, Fiesta Credito sits at 527. It suits a gap between a payment and the next, not a project that needs spreading over years.
What does it cost to borrow?+
The annual rate is 0% to 317%, and the arrangement charge is 0 EUR. The representative example makes the split visible, with the cost of borrowing taking a clear share of the total repayable over a short term. Because the rate is the weight in the balance, comparing rates across lenders matters more here than skipping a fee.
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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