Updated October 17, 2026 · BorrowCue Editorial Team
myKredit vs Oney Préstamos ES
What sets them apart
| Compare |  myKredit |  Oney Préstamos ES |
|---|---|---|
| Loan amount | €600 | €1,000 to €45,000Higher |
| Credit check | None | Hard |
| Funding time | funds transferred within 10 minutes of approval | Decision within 48 h, then money sent to the account you choose |
| Eligibility | Adults with a valid DNI or NIE | 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 | Payday | Personal, Car, Student, BNPL |
| Term | 30 months | Not confirmed |
| Arrangement fee | Not confirmed | 3% of financed capital (apertura) |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 3% |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.1.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €600.
- Support channels: only myKredit offers Chat.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Loan types: only myKredit offers Payday.
- Loan types: only Oney Préstamos ES offers Personal, Car, Student.
Our verdict on each
myKredit
myKredit in Spain describes online lending and online applications. Spanish residence is one stated application criterion, not a complete list of conditions.
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 | myKredit | Oney Préstamos ES |
|---|---|---|
| Cost | Not confirmed | 8.3 |
| Offer | 8.1 | 8.9Higher |
| Trust | Not confirmed | 9.2 |
What each covers
| Loan types | myKredit | Oney Préstamos ES |
|---|---|---|
| Personal | No | Yes |
| Payday | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | No | Yes |
Positions in our rankings
| Ranking | myKredit | Oney Préstamos ES |
|---|---|---|
| Personal loans | 2 of 1920 | 1 of 1920 |
Every fact side by side
| Fact | myKredit | Oney Préstamos ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Not confirmed | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Not confirmed | Spain |
| Support channels | Chat | Help centre, Phone |
Where each stands against the rest
| Fact | myKredit | Oney Préstamos ES | Median |
|---|---|---|---|
| Loan amount | €600lowest quarter | €1,000 to €45,000above the median | €40,000 |
| Term | 30 monthsbelow the median | Not confirmed | 60 months |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.2% |
Median across 1190 listed lenders.
Pros and cons
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
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
myKredit
Who it suits
- Spanish residents reviewing myKredit's online application route and criteria.
Who should look elsewhere
- Applicants relying on residency alone as proof they qualify.
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 | myKredit | Oney Préstamos ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
myKredit
What kinds of credit does myKredit offer?+
myKredit offers short term credit that is arranged online for borrowers in Spain. The range stays focused on small sums for urgent everyday needs rather than long projects. Each request is assessed individually, so the outcome depends on the details the applicant provides. Borrowers who need a longer structure will find a different product better suited to that purpose.
Who is the service designed for?+
The service is designed for adults in Spain who hold a valid identity card or a foreigner identity number and who are comfortable managing matters online. It is less suited to anyone who prefers face to face guidance or a longer arrangement. Anyone considering the service should review the full conditions carefully before deciding.
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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