Updated September 28, 2026 · BorrowCue Editorial Team
Lendela vs Oney Préstamos ES
Lendela vs Oney Préstamos ES: the differences
| Compare |  Lendela |  Oney Préstamos ES |
|---|---|---|
| Loan amount | SGD 1,000 to SGD 200,000 | €1,000 to €45,000 |
| Arrangement fee | SGD 0 | 3% of financed capital (apertura) |
| Credit check | None | Hard |
| Funding time | Around 1-2 days from application to disbursement; some within hours | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | 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, Debt consolidation, Business, Secured, Student | Personal, Car, Student, BNPL |
| APR | up to 48% | Not confirmed |
| Term | 3 to 72 months | Not confirmed |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | Not confirmed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Fair | 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.
- Lendela is available in 1 more country.
- Support channels: only Lendela offers Email.
- Loan types: only Lendela offers Debt consolidation, Business, Secured.
- Loan types: only Oney Préstamos ES offers Car, BNPL.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
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 | Lendela | Oney Préstamos ES |
|---|---|---|
| Cost | Not confirmed | 8.3 |
| Offer | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 8.9 |
| Trust | 8.2 | 9.2Higher |
Side by side, item by item
| Loan types | Lendela | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | No |
| Car | No | Yes |
| Business | Yes | No |
| Student | Yes | Yes |
| BNPL | No | Yes |
| Use cases | Lendela | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Lendela | Oney Préstamos ES |
|---|---|---|
| Personal loans | 74 of 1932 | 1 of 1932 |
| Private student loans | 6 of 167 | 1 of 167 |
| Home improvement loans | 31 of 562 | 1 of 562 |
Availability and regulation
| Country | Lendela | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Lendela: 2. Additional countries for Oney Préstamos ES: 1.
What we checked
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Lendela | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | Lendela Pte. Ltd. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Singapore | Spain |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Help centre, Phone |
Mortgages
| Fact | Lendela | Oney Préstamos ES |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendela | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | Not confirmed | 8.99 |
| Term | 3 to 72 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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 | Lendela | Oney Préstamos ES |
|---|---|---|
| Hong Kong | Yes | No |
| Singapore | Yes | No |
| Spain | No | Yes |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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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