Updated September 28, 2026 · BorrowCue Editorial Team
KOHO vs Oney Préstamos ES
Where KOHO and Oney Préstamos ES differ
| Compare |  KOHO |  Oney Préstamos ES |
|---|---|---|
| Loan amount | CA$1,000 to CA$15,000 | €1,000 to €45,000 |
| Credit check | Soft prequal | Hard |
| Funding time | Funds deposited into your bank account the same business day | Decision within 48 h, then money sent to the account you choose |
| Lender type | Broker | Direct lender |
| Eligibility | KOHO members residing in Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia; Government ID and bank account information required to verify income | 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, Credit line, BNPL | Personal, Car, Student, BNPL |
| APR | 19.9% to 34.9% | Not confirmed |
| Arrangement fee | Not confirmed | 3% of financed capital (apertura) |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 3% |
Same on both: Use cases (Home improvement).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.6.
- Support channels: only KOHO offers Chat.
- Loan types: only KOHO offers Credit line.
- Loan types: only Oney Préstamos ES offers Car, Student.
Our verdict on each
KOHO
KOHO is a Canadian broker for members who want a reusable credit line rather than a one-off loan, with prequalification that leaves no hard credit search on file. Its apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 sits well above the 10.5% typical for the wider market.
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 | KOHO | Oney Préstamos ES |
|---|---|---|
| Cost | 8.5Higher | 8.3 |
| Offer | 9.2HigherA soft prequal check, a credit line and Funds deposited into your bank account the same business day. | 8.9 |
| Trust | 8.3 | 9.2Higher |
Which one suits you
Pick KOHO if offer matter most.
Pick Oney Préstamos ES if trust matter most.
Where these facts come from
KOHO
- koho.ca: 12 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | KOHO | Oney Préstamos ES |
|---|---|---|
| Personal loans | 132 of 1932 | 1 of 1932 |
| Home improvement loans | 61 of 562 | 1 of 562 |
| Buy now, pay later | 6 of 88 | 1 of 88 |
Every fact side by side
| Fact | KOHO | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | KOHO Financial Inc. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Canada | Spain |
| Support channels | Chat, Phone, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | KOHO | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 19.9% to 34.9%highest quarter | Not confirmed | 8.99 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 834 listed lenders.
Pros and cons
KOHO
Pros
- Apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 for the credit line
- A soft prequalification, so a credit check does not follow the first enquiry
- Funds deposited into your bank account the same business day
Cons
- Apr reaches 19.9% to 34.9% at the top of the range, above the 20% many rivals sit at
- Membership is limited to residents of Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia
- Support runs on chat, phone and help centre
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
KOHO
Who it suits
- Members in the provinces listed who are funding home improvement work
- Borrowers who expect to draw more than once rather than take a single loan
- People who want to see an offer before committing to a full credit check
Who should look elsewhere
- Anyone outside the listed provinces, who cannot open the account
- Borrowers chasing the lowest rate, since the top of the range is steep against the 20% mark
- Readers who prefer a direct lender, since KOHO sits in the broker minority on the site at 20.6%
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
KOHO
Current offer
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 | KOHO | Oney Préstamos ES |
|---|---|---|
| Canada | Yes | No |
| Spain | No | Yes |
Questions about each
KOHO
What apr does KOHO charge on its credit line?+
The line of credit runs at an apr of 19.9% to 34.9%. That is well above the 10.5% recorded across credit lines on the site, so it pays to compare before you accept. The rate you are offered depends on your own profile.
How much can I borrow from KOHO?+
Borrowers can take CAD 1,000 to CAD 15,000 on the line of credit. That sits above the €885.74 typical amount in this category, which is useful if the work is more than a quick repair. Drawdowns come out of the limit rather than opening a new agreement.
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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