Updated September 28, 2026 · BorrowCue Editorial Team
Moneyveo VN vs Oney Préstamos ES
What sets them apart
| Compare |  Moneyveo VN |  Oney Préstamos ES |
|---|---|---|
| Loan amount | ₫500,000 to ₫30,000,000 | €1,000 to €45,000 |
| Credit check | Soft prequal | Hard |
| Funding time | About 20 minutes on average from application to bank account credit | Decision within 48 h, then money sent to the account you choose |
| Lender type | Marketplace | Direct lender |
| Eligibility | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account | 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, Secured, Student, BNPL | Personal, Car, Student, BNPL |
| APR | 18.25% | Not confirmed |
| Term | 62 to 180 months | Not confirmed |
| Arrangement fee | Not confirmed | 3% of financed capital (apertura) |
| Representative example | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (No).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.5.
- Support channels: only Moneyveo VN offers Community.
- Loan types: only Moneyveo VN offers Secured.
- Loan types: only Oney Préstamos ES offers Car.
Our verdict on each
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
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 | Moneyveo VN | Oney Préstamos ES |
|---|---|---|
| Cost | 8.4Higher | 8.3 |
| Offer | 9.5Higher | 8.9 |
| Trust | 8.1 | 9.2Higher |
Positions in our rankings
| Ranking | Moneyveo VN | Oney Préstamos ES |
|---|---|---|
| Personal loans | 133 of 1932 | 1 of 1932 |
| Private student loans | 12 of 167 | 1 of 167 |
| Buy now, pay later | 7 of 88 | 1 of 88 |
Licences and countries
| Country | Moneyveo VN | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Moneyveo VN: 1. Additional countries for Oney Préstamos ES: 1.
Feature by feature
| Loan types | Moneyveo VN | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Secured | Yes | No |
| Car | No | Yes |
| Student | Yes | Yes |
| BNPL | Yes | Yes |
Where these facts come from
Moneyveo VN
- moneyveo.vn: 18 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Moneyveo VN | Oney Préstamos ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | CONG TY TNHH MONEYVEO VIETNAM | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Vietnam | Spain |
| Founded | 2020 | Not confirmed |
| Support channels | Phone, Help centre, CommunityCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | Moneyveo VN | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 18.25%above the median | Not confirmed | 8.99% |
| Term | 62 to 180 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
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
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
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 | Moneyveo VN | Oney Préstamos ES |
|---|---|---|
| Spain | No | Yes |
| Vietnam | Yes | No |
Questions about each
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
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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