Updated September 28, 2026 · BorrowCue Editorial Team
Me Presta MX vs Oney Préstamos ES
Where Me Presta MX and Oney Préstamos ES differ
| Compare |  Me Presta MX |  Oney Préstamos ES |
|---|---|---|
| Loan amount | MX$1,000 to MX$50,000 | €1,000 to €45,000 |
| Arrangement fee | 0 MXN | 3% of financed capital (apertura) |
| Funding time | Pocos minutos, en linea 24/7 | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Eligibility | 18-70 anos, reside en MX (mexicano), cuenta bancaria CLABE a su nombre, celular y correo electronico | 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 | Personal, Payday, Car | Personal, Car, Student, BNPL |
| APR | 0% to 38% | Not confirmed |
| Term | 2 to 36 months | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | $10,000 pesos a una tasa anual del 12% con un plazo de pago de 6 meses, tu pago mensual será de $1,732.98, el reembolso total será de $10,397.88, con un CAT total de 12.001% | Not confirmed |
| Free early repayment | Not confirmed | No |
Same on both: Use cases (Home improvement).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Origination fee (%) is lower at Me Presta MX: 0% vs 3%.
- Support channels: only Me Presta MX offers Email.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Loan types: only Me Presta MX offers Payday.
- Loan types: only Oney Préstamos ES offers Student, BNPL.
Our verdict on each
Me Presta MX
Me Presta MX suits Mexican borrowers who want a small personal, payday or car loan set up online in a matter of minutes, with a headline rate that runs 0% to 38%. The trade-off is the marketplace setup, where a lender is matched to you, plus support that runs on email alone.
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 | Me Presta MX | Oney Préstamos ES |
|---|---|---|
| Cost | 9.7HigherOrigination costs 0 MXN and the rate band 0% to 38% starts low but reaches past 24.92%, so cost depends on the match. | 8.3 |
| Offer | 8.2 | 8.9Higher |
| Trust | 8.1 | 9.2Higher |
Positions in our rankings
| Ranking | Me Presta MX | Oney Préstamos ES |
|---|---|---|
| Personal loans | 42 of 1932 | 1 of 1932 |
| Car loans | 10 of 431 | 1 of 431 |
| Home improvement loans | 18 of 562 | 1 of 562 |
Where each is licensed and available
| Country | Me Presta MX | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Me Presta MX: 1. Additional countries for Oney Préstamos ES: 1.
Choosing between them
Pick Me Presta MX if cost and origination fee (%) matter most.
Pick Oney Préstamos ES if offer matter most.
Every fact side by side
| Fact | Me Presta MX | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | SIA DOAFF (reg. 40203426084) | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Latvia | Spain |
| Support channels | Help centre, Phone |
Where each stands against the rest
| Fact | Me Presta MX | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 38%lowest quarter | Not confirmed | 8.99 |
| Term | 2 to 36 monthsbelow the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Me Presta MX
Pros
- Origination costs nothing to arrange: the fee is 0 MXN and the fee percentage is 0%, so the rate is effectively the whole cost.
- Fast money, since funding is listed as Pocos minutos, en linea 24/7 and Me Presta MX carries the same day funding feature.
- Borrowing runs MXN 1,000 to MXN 50,000, well past the €876.96 typical amount in this comparison, so a repair bill and a larger cost both fit.
Cons
- Support runs on email only, so there is no phone line or live chat for an urgent payment problem.
- The band 0% to 38% is wide, and its expensive end sits above the 10% to 23% range at Monzo Flex, so an unlucky match is costly.
- As a marketplace the lender is chosen for you, so the rate on your offer is not the headline band and terms can differ between matches.
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
Me Presta MX
Who it suits
- Mexican residents of adult age with a CLABE bank account in their own name, a mobile number and an email, matching the eligibility set out.
- Borrowers with a car or home improvement plan, since the loan types listed are personal, payday and car and the stated use case is home improvement.
- Anyone shopping on total cost: with the origination fee at 0 MXN, the rate is the only thing that moves the repayment.
Who should look elsewhere
- Readers who want a narrower, lower rate band: Monzo Flex quotes 10% to 23%, a tighter range than 0% to 38%.
- Borrowers chasing the lowest headline rate in this group: Cashspace ES lists 0%.
- Anyone who wants to choose the lender rather than take a match: marketplace makes that choice for you, a different arrangement from Cashspace, whose band is 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
Me Presta MX
Current offer
First period offer
Primer préstamo desde 0% de interés: CAT 0% en el primer préstamo
Some partner lenders offer 0% CAT on the first loan; stated overall CAT range 0% to 38%, term 61 days to 36 months
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 | Me Presta MX | Oney Préstamos ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
Me Presta MX
What rate will I pay?+
The published band runs 0% to 38%, and the rate you receive depends on the lender you are matched with as a marketplace. The origination fee is 0 MXN, so the rate is effectively your total cost. Compare your own offer against the 12.25% median in the personal loans ranking before you accept it.
Is there a fee for taking the loan out?+
The origination fee is 0 MXN and the fee percentage is 0%, so arranging the loan adds nothing to the amount you borrow. The representative example on the brand shows the total repaid sitting only a little above the sum borrowed on a low annual rate. Interest on a short term is what keeps a small loan cheap.
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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