Updated October 14, 2026 · BorrowCue Editorial Team
Mi Prestamo vs Oney Préstamos ES
Mi Prestamo vs Oney Préstamos ES: the differences
| Compare |  Mi Prestamo |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €200 to €3,000 | €1,000 to €45,000Higher |
| Arrangement fee | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) | 3% of financed capital (apertura) |
| Funding time | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account | Decision within 48 h, then money sent to the account you choose |
| Free early repayment | YesHas it | No |
| Eligibility | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address | 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 | Personal, Car, Student, BNPLCovers more |
| APR | 23% | Not confirmed |
| Term | 2 to 12 months | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Mi Prestamo scores higher overall: 9.0 vs 8.8.
- Free early repayment: only Mi Prestamo.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €200 to €3,000.
- Support channels: only Mi Prestamo offers Chat, Email.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
Our verdict on each
Mi Prestamo
Mi Préstamo offers consumer credit in Spain, with the captured pages describing a monthly installment product from EUR 200 to EUR 3,000 over two to twelve months. A separate example shows very high annualized cost figures and fees. Compare the full repayment amount before applying.
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 | Mi Prestamo | Oney Préstamos ES |
|---|---|---|
| Cost | 8.8Higher | 8.3 |
| Offer | 8.9 | 8.9 |
| Trust | 9.2 | 9.2 |
Ranges side by side
| Fact | Mi Prestamo | Oney Préstamos ES |
|---|---|---|
| Loan amount | €200 to €3,000 | €1,000 to €45,000 |
Where these facts come from
Mi Prestamo
- mi-prestamo.es: 16 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Mi Prestamo | Oney Préstamos ES |
|---|---|---|
| Personal loans | 7 of 1920 | 1 of 1920 |
Every fact side by side
| Fact | Mi Prestamo | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Easy Asset Management Iberia S.L. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Spain | Spain |
| Support channels | Phone, Chat, Email, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Mi Prestamo | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 23%highest quarter | Not confirmed | 8.99% |
| Loan amount | €200 to €3,000lowest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 2 to 12 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Mi Prestamo
Pros
- The monthly loan page lists an amount range and repayment term range.
- It says applicants can request online or by phone.
Cons
- The captured example displays a 3,330.50 percent annual rate and multiple fees.
- The pages do not provide enough information to calculate every borrower’s personalized total cost.
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
Mi Prestamo
Who it suits
- Adults in Spain comparing a short term installment loan.
Who should look elsewhere
- Anyone unable to repay under the offered schedule or looking for low cost long term credit.
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 | Mi Prestamo | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Mi Prestamo
What range does the monthly loan page show?+
It lists EUR 200 to EUR 3,000 over two to twelve months.
What should I check before accepting?+
Check the personalized annual cost, every fee, the payment dates and the total amount payable in the contract.
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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