Updated September 28, 2026 · BorrowCue Editorial Team
Finmercado vs Oney Préstamos ES
What sets them apart
| Compare |  Finmercado |  Oney Préstamos ES |
|---|---|---|
| Loan amount | MX$500 to MX$200,000 | €1,000 to €45,000 |
| Arrangement fee | 0 MXN | 3% of financed capital (apertura) |
| Credit check | Soft prequal | Hard |
| Funding time | Online application in about 5 minutes; partner lenders answer in minutes and deposit goes to the customer's bank account | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Eligibility | Mexico only, accredited Mexican lending partners; partner lenders accept from 18 years (some 21+); INE and an active bank account required | 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, Business, Debt consolidation, Student | Personal, Car, Student, BNPL |
| APR | from 677.47% | Not confirmed |
| Term | 2 to 12 months | Not confirmed |
| Representative example | Personal loan of MXN 2,000 over 6 quincenas, 6 payments of MXN 647, total to pay MXN 3,882; monthly interest rate 28% to 49.50% (without VAT), informative CAT from 677.47% | 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
- Oney Préstamos ES scores higher overall: 8.8 vs 8.5.
- Origination fee (%) is lower at Finmercado: 0% vs 3%.
- Support channels: only Finmercado offers Email, Chat, Community.
- Support channels: only Oney Préstamos ES offers Phone.
- Loan types: only Finmercado offers Payday, Secured, Business.
- Loan types: only Oney Préstamos ES offers Car, BNPL.
Our verdict on each
Finmercado
Finmercado suits Mexican borrowers who need a small personal loan in the bank account the same day, with a soft prequalification and no origination fee. The trade-off is cost, with an informative CAT starting at from 677.47% and a short term, so this is a bridge rather than long-term credit.
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 | Finmercado | Oney Préstamos ES |
|---|---|---|
| Cost | 8.8HigherCost rests on the rate: the informative CAT starts at from 677.47%, with terms of 2 to 12 keeping balances short. | 8.3 |
| Offer | 8.8 | 8.9Higher |
| Trust | 8.1 | 9.2Higher |
Licences and countries
| Country | Finmercado | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Finmercado: 1. Additional countries for Oney Préstamos ES: 1.
Where these facts come from
Finmercado
- finmercado.mx: 17 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Finmercado | Oney Préstamos ES |
|---|---|---|
| Personal loans | 40 of 1932 | 1 of 1932 |
| Private student loans | 4 of 167 | 1 of 167 |
| Home improvement loans | 17 of 562 | 1 of 562 |
Every fact side by side
| Fact | Finmercado | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | SIA JEFF | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Mexico | Spain |
| Support channels | Email, Chat, Help centre, Community | Help centre, Phone |
Where each stands against the rest
| Fact | Finmercado | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | from 677.47%highest quarter | Not confirmed | 8.99 |
| Term | 2 to 12 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Finmercado
Pros
- No fee for taking out a personal loan, since the origination fee is 0 MXN
- same day funding is offered and the deposit goes straight to your bank account
- The online application takes a few minutes, and partner lenders answer in minutes
Cons
- Fees are not the problem, interest is: from 677.47% is an informative rate and the representative example shows a total repayable well above the amount borrowed
- Terms run 2 to 12, so a larger balance has to be cleared quickly
- Support runs on email, chat and help centre only, with no phone line
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
Finmercado
Who it suits
- Mexican residents with an INE and an active bank account who need a personal loan quickly
- Borrowers with poor credit who want a soft prequal check before a full application
- Anyone covering home improvement without paying an origination fee of 0 MXN
Who should look elsewhere
- Borrowers who can clear a mainstream credit test, since Monzo Flex quotes 10% to 23% against the from 677.47% Finmercado starts at
- Anyone needing a repayment window longer than 2 to 12
- Readers who want to talk a lender through by phone, since support runs on email, chat and help centre
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 | Finmercado | Oney Préstamos ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
Finmercado
How much does borrowing from Finmercado cost?+
The informative CAT starts at from 677.47% and the origination fee is 0 MXN, so nothing is charged for setting the loan up. The representative example shows where the cost really sits: a small personal loan repaid over a short run of fortnightly payments, with a monthly interest rate quoted before VAT and a total repayable well above the amount borrowed.
Is there an arrangement fee to pay?+
The origination fee is 0 MXN, and no percentage charge sits on top because that figure is 0%. The whole cost therefore falls on the interest, which means the rate offered and the length of the term decide the bill rather than the setup.
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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