Updated September 28, 2026 · BorrowCue Editorial Team
LendKey vs Oney Préstamos ES
What sets them apart
| Compare |  LendKey |  Oney Préstamos ES |
|---|---|---|
| Loan amount | from $1,000 | €1,000 to €45,000 |
| Arrangement fee | 0 USD | 3% of financed capital (apertura) |
| Funding time | Funds sent directly to the school after certification, generally under 30 days | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Enrolled at least half-time in a degree-granting program at an eligible school; U.S. citizen or permanent resident; at least the age of majority; credit-based so a cosigner may be needed | 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 | Student, Debt consolidation | Personal, Car, Student, BNPL |
| APR | 2.09% to 15.54% | Not confirmed |
| Term | 60 to 180 months | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- LendKey scores higher overall: 9.0 vs 8.8.
- Free early repayment: only LendKey.
- Origination fee (%) is lower at LendKey: 0% vs 3%.
- Support channels: only LendKey offers Email.
- Loan types: only LendKey offers Debt consolidation.
- Loan types: only Oney Préstamos ES offers Personal, Car, BNPL.
Our verdict on each
LendKey
LendKey is a US private student loan marketplace for students and families covering a gap in study costs, and it suits borrowers whose own credit can carry a fixed rate. Offers are priced at 2.09% to 15.54% with terms of 60 to 180 months, and rates stay fixed for the life of the loan.
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 | LendKey | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5HigherRates of 2.09% to 15.54% on fixed rate lending, with an origination fee of 0 USD and a percentage charge of 0%. | 8.3 |
| Offer | 9.4Higher | 8.9 |
| Trust | 8.4 | 9.2Higher |
What each covers
| Loan types | LendKey | Oney Préstamos ES |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | No |
| Car | No | Yes |
| Student | Yes | Yes |
| BNPL | No | Yes |
| Use cases | LendKey | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
What we checked
LendKey
- lendkey.com: 19 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | LendKey | Oney Préstamos ES |
|---|---|---|
| Private student loans | 9 of 167 | 1 of 167 |
| Home improvement loans | 48 of 562 | 1 of 562 |
Every fact side by side
| Fact | LendKey | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | LendKey Technologies, Inc. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | United States | Spain |
| Founded | 2009 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | LendKey | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 2.09% to 15.54%lowest quarter | Not confirmed | 8.99 |
| Term | 60 to 180 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
LendKey
Pros
- A marketplace model puts partner lenders in competition for a single application.
- Both origination charges are 0 USD and 0%, so nothing is added upfront.
- Early repayment is free, so the balance can be cleared sooner than the term allows.
Cons
- A hard credit search runs at application, and a decline can leave a mark on the file.
- The minimum loan is from $1,000 and the term runs 60 to 180 months, so smaller needs still mean a long repayment stretch.
- Pricing is fixed rate only, so there is no variable-rate option for a cheaper start.
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
LendKey
Who it suits
- Students at eligible schools who can support a fixed rate with their own credit or a cosigner's.
- Parents and relatives acting as a cosigner when a student's own file is thin.
- Borrowers folding student debt into one balance, since student and debt consolidation covers consolidation.
Who should look elsewhere
- Not for euro borrowers: Creduma ES sets a floor of from €12,000, a separate currency and market.
- Not for Spanish borrowers: Sofkredit prices at 10.74% to 18.06% and lends outside the US system.
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
LendKey
Current offer
Discount code
0.25% autopay interest rate reduction on private student loans: 0.25% APR reduction
Enrol in automatic monthly payments from a checking or savings account with the lender; the reduction is removed and the rate raised by 0.25% on cancellation or failed collection
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 | LendKey | Oney Préstamos ES |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
LendKey
What rate will I pay on a LendKey private student loan?+
Prices depend on your own credit, though published offers run at 2.09% to 15.54%. The rate type is fixed, so once a partner lender takes your application the figure holds across the term of 60 to 180 months rather than resetting as market rates move.
What fees are charged for taking out the loan?+
The origination fee is 0 USD and the percentage origination charge is 0%, so arranging the loan adds little. The cost to plan around is the interest on the balance you keep, which runs across a term of 60 to 180 months.
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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