Updated September 28, 2026 · BorrowCue Editorial Team
HolaDinero MX vs Oney Préstamos ES
Where HolaDinero MX and Oney Préstamos ES differ
| Compare |  HolaDinero MX |  Oney Préstamos ES |
|---|---|---|
| Loan amount | MX$500 to MX$45,000 | €1,000 to €45,000 |
| Arrangement fee | 0 MXN | 3% of financed capital (apertura) |
| Credit check | None | Hard |
| Funding time | Within 20 minutes of approval | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Over 18, resident in Mexico, own Mexican bank account, CURP, valid INE/IFE/passport, active national mobile line | 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, Payday | Personal, Car, Student, BNPL |
| APR | 0% to 3.752% | Not confirmed |
| Term | 1 to 6 months | Not confirmed |
| Representative example | MXN 10,000 at 12% annual rate over 6 months: monthly payment 1,732.98, total to repay 10,397.88, CAT 12.001% | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Free early repayment: only HolaDinero MX.
- Support channels: only HolaDinero MX offers Email, Chat.
- Support channels: only Oney Préstamos ES offers Phone.
- Loan types: only HolaDinero MX offers Payday.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
HolaDinero MX
HolaDinero MX suits Mexican adults with a poor credit file who need a modest sum quickly. It runs an arrangement fee of 0 MXN, asks for no credit check, and pays out Within 20 minutes of approval, though the 1 to 6 schedule leaves little room to stretch a balance over a longer term.
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 | HolaDinero MX | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5Higher | 8.3 |
| Offer | 8.5No credit check, an arrangement fee of 0 MXN, money that arrives Within 20 minutes of approval and personal and payday. | 8.9Higher |
| Trust | 8.3 | 9.2Higher |
How they place
| Ranking | HolaDinero MX | Oney Préstamos ES |
|---|---|---|
| Personal loans | 58 of 1920 | 1 of 1920 |
Where each is licensed and available
| Country | HolaDinero MX | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for HolaDinero MX: 1. Additional countries for Oney Préstamos ES: 1.
Choosing between them
Pick HolaDinero MX if cost and free early repayment matter most.
Pick Oney Préstamos ES if offer and trust matter most.
What we checked
HolaDinero MX
- holadinero.mx: 16 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | HolaDinero MX | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Ban kos Technology OU | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Estonia | Spain |
| Support channels | Email, Chat, Help centre | Help centre, Phone |
Where each stands against the rest
| Fact | HolaDinero MX | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | Not confirmed | 8.99 |
| Term | 1 to 6 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
HolaDinero MX
Pros
- No credit check is run and the brand works with poor credit, so a thin file does not stop an application
- The arrangement fee is 0 MXN, so no setup charge is taken on top of the amount borrowed
- Repaying early is free, so a shorter loan life costs less in interest
Cons
- The 1 to 6 schedule is short, so the balance is cleared quickly and there is little time to bring the total cost down
- The rate band 0% to 3.752% starts at the floor, so the cheapest part of the range may not be the part an individual offer lands on
- HolaDinero MX works as a broker (broker), so the contract sits with a matched lender rather than with the site the application starts on
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
HolaDinero MX
Who it suits
- Adults resident in Mexico holding a CURP, official identification and their own Mexican bank account
- Borrowers whose credit file is poor or thin
- Anyone who wants a modest sum released quickly and can clear the balance on schedule
Who should look elsewhere
- Borrowers who need a long repayment period, since 1 to 6 is capped low
- Readers who want the lender named in the terms they read, given it works as a broker (broker)
- Anyone weighing a larger, longer loan against Monzo Flex, which prices at 10% to 23% over a longer schedule
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 | HolaDinero MX | Oney Préstamos ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
HolaDinero MX
How much can I borrow and for how long?+
HolaDinero MX lends MXN 500 to MXN 45,000 with a repayment schedule of 1 to 6. That is a short window, so the balance is designed to clear well inside a year rather than roll on for years. A borrower who needs a longer period will find the term set here stretches to meet it.
What does it cost to take out a loan?+
The arrangement fee is 0 MXN, so nothing is added to what you borrow as a setup charge. The rate itself runs 0% to 3.752%, a band that starts at the floor. Repaying early is free, so clearing the balance sooner cuts the interest due for the months you no longer need the credit.
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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