Updated September 28, 2026 · BorrowCue Editorial Team
Kredivo vs Oney Préstamos ES
What sets them apart
| Compare |  Kredivo |  Oney Préstamos ES |
|---|---|---|
| Loan amount | IDR 1,000,000 to IDR 50,000,000 | €1,000 to €45,000 |
| Arrangement fee | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans | 3% of financed capital (apertura) |
| Funding time | Application in 5 minutes, account decision within 1x24 hours | Decision within 48 h, then money sent to the account you choose |
| Eligibility | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 | 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 | BNPL, Personal, Credit line | Personal, Car, Student, BNPL |
| APR | 0% to 41.51% | Not confirmed |
| Term | 1 to 24 months | Not confirmed |
| Representative example | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | No |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Kredivo scores higher overall: 9.3 vs 8.8.
- Origination fee (%) is lower at Kredivo: 0% vs 3%.
- Support channels: only Kredivo offers Email, Chat.
- Loan types: only Kredivo offers Credit line.
- Loan types: only Oney Préstamos ES offers Car, Student.
Our verdict on each
Kredivo
Kredivo suits Indonesian adults who want small, fixed-rate instalments or a credit line they can draw on. It lends directly, with a 0% arrangement fee on its installment plans, and decisions come back fast enough to hold the money for same-day spending.
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 | Kredivo | Oney Préstamos ES |
|---|---|---|
| Cost | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. | 8.3 |
| Offer | 8.7 | 8.9Higher |
| Trust | 9.2 | 9.2 |
Licences and countries
| Country | Kredivo | Oney Préstamos ES |
|---|---|---|
| Indonesia | Not confirmed | |
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Kredivo: 1. Additional countries for Oney Préstamos ES: 1.
Where these facts come from
Kredivo
- kredivo.id: 12 facts, checked September 26, 2026
- play.google.com: 5 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Kredivo | Oney Préstamos ES |
|---|---|---|
| Personal loans | 84 of 1932 | 1 of 1932 |
| Buy now, pay later | 4 of 88 | 1 of 88 |
Every fact side by side
| Fact | Kredivo | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | PT Kredivo Finance Indonesia | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Indonesia | Spain |
| Support channels | Phone, Email, Chat, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Kredivo | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 41.51%lowest quarter | Not confirmed | 8.99 |
| Term | 1 to 24 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Kredivo
Pros
- No arrangement fee on installment plans, at 0%
- Fixed rates at fixed, so monthly payments do not drift
- Repayment terms run 1 to 24, so short and long plans both work
Cons
- Applications use a hard credit check (hard)
- APR runs as high as 0% to 41.51% at the top of the range
- KrediFazz cash loans add an arrangement fee on top of interest, unlike the installment plans
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
Kredivo
Who it suits
- Adults in Indonesia with a steady monthly income who can meet the eligibility rules
- Shoppers splitting purchases into instalments through the app
- Borrowers who want an app-drawn credit line as well as a one-off loan
Who should look elsewhere
- Anyone outside Indonesia, since eligibility is limited to Indonesian citizens domiciled there
- Monzo Flex, for borrowers who prefer a lower-rate personal loan over an instalment app
- Cashspace, for anyone wanting a single credit decision against a stated APR 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
Kredivo
Current offer
Discount code
Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part
Stated promo period runs until December 2025; valid at Erafone, iBox, Digimap, Digiplus, Blibli Store and Hello; one voucher per user; min. transaction IDR 500,000; late payment adds 2 installments plus interest and late fees
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 | Kredivo | Oney Préstamos ES |
|---|---|---|
| Indonesia | Yes | No |
| Spain | No | Yes |
Questions about each
Kredivo
What does Kredivo cost to borrow?+
The arrangement fee on the installment plans is 0%, and interest is charged at 0% to 41.51% on a fixed rate, so the monthly payment holds steady across the term. KrediFazz cash loans charge an arrangement fee on top of that interest.
How long can I borrow for?+
Terms run 1 to 24, so a plan can be as short as a single month or stretch across a longer repayment period. The longer the term, the more you pay in interest overall, so the shortest workable term costs least in total.
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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