Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Plazo ES
Where Oney Préstamos ES and Plazo ES differ
| Compare |  Oney Préstamos ES |  Plazo ES |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €500 to €5,000 |
| Arrangement fee | 3% of financed capital (apertura) | 0 EUR |
| Funding time | Decision within 48 h, then money sent to the account you choose | Money available about 10 minutes after sign-up; approval answer arrives in minutes |
| Eligibility | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers | Over 18, DNI/NIE or European passport, resident in Spain, demonstrable income, good credit history |
| Origination fee (%) | 3% | 0%Lower |
| Loan types | Personal, Car, Student, BNPL | Personal, Credit line |
| APR | Not confirmed | 24.19% |
| Term | Not confirmed | 48 months |
| Representative example | Not confirmed | Línea de crédito revolving 1.500 EUR, TIN fijo 21,86%, TAE 24,19%, 48 monthly instalments of 47,15 EUR, total due 2.263,20 EUR |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (No), Use cases (Home improvement).
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Key differences
- Plazo ES scores higher overall: 8.9 vs 8.8.
- Origination fee (%) is lower at Plazo ES: 0% vs 3%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €500 to €5,000.
- Support channels: only Plazo ES offers Email, Chat.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
- Loan types: only Plazo ES offers Credit line.
Our verdict on each
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.
Plazo ES
Plazo ES suits Spanish residents with a good credit history who want a small personal loan or a revolving credit line funded within minutes. Its 24.19% annual cost is high next to cheaper lenders, so the total repaid over 48 instalments is the figure to weigh.
Score breakdown
| Area | Oney Préstamos ES | Plazo ES |
|---|---|---|
| Cost | 8.3 | 8.7Higher24.19% annual cost sits well above cheaper lenders, and free early repayment is not offered. |
| Offer | 8.9 | 9.5HigherA personal loan and a credit line under personal and credit line, with funding within minutes of sign-up. |
| Trust | 9.2Higher | 8.7 |
Side by side, item by item
| Loan types | Oney Préstamos ES | Plazo ES |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | No | Yes |
| Car | Yes | No |
| Student | Yes | No |
| BNPL | Yes | No |
| Use cases | Oney Préstamos ES | Plazo ES |
|---|---|---|
| Home improvement | Yes | Yes |
Choosing between them
Pick Oney Préstamos ES if trust and loan amount matter most.
Pick Plazo ES if cost, offer, and origination fee (%) matter most.
Where these facts come from
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Plazo ES
- plazo.es: 21 facts, checked September 26, 2026
How they place
| Ranking | Oney Préstamos ES | Plazo ES |
|---|---|---|
| Personal loans | 1 of 1932 | 20 of 1932 |
| Home improvement loans | 1 of 562 | 10 of 562 |
Every fact side by side
| Fact | Oney Préstamos ES | Plazo ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Credit line, Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | IDFinance Plazo, S.L.U. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2021 |
| Support channels | Help centre, Phone | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Oney Préstamos ES | Plazo ES | Median |
|---|---|---|---|
| APR | Not confirmed | 24.19%highest quarter | 8.99% |
| Loan amount | €1,000 to €45,000above the median | €500 to €5,000lowest quarter | €40,000 |
| Term | Not confirmed | 48 monthsbelow the median | 60 months |
| Origination fee (%) | 3%highest quarter | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
Plazo ES
Pros
- The approval answer arrives in minutes and the money is available in your account shortly after you sign up, so a cost that cannot wait can be covered the same day.
- The origination fee is 0 EUR on the personal loan and the credit line, so the cost sits in the rate rather than in a setup charge.
- The rate is fixed, so an instalment does not rise when market rates move.
Cons
- The annual cost of 24.19% sits well above 12% for the median brand on the site, so the interest does most of the work in what you repay.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not bring the cost down, while 81.2% of the brands compared do offer it.
- Applications run a hard credit check, so an outcome here can also weigh on other credit applications you make.
Who each suits
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.
Plazo ES
Who it suits
- Adults living in Spain with a DNI/NIE or a European passport, demonstrable income and a good credit history.
- Borrowers who want both a personal loan and a revolving credit line from the same firm, since the range covers personal and credit line.
- People who can carry a 24.19% annual cost and value money in the account within minutes of signing up.
Who should look elsewhere
- Readers chasing a lower annual cost, since Monzo Flex quotes 10% to 23% against 24.19%.
- Borrowers who plan to finish early, since free early repayment is not offered here while most of the site comparison does offer it.
- Anyone needing a sum above €500 to €5,000, where Cashspace at PHP 12 to PHP 36 is set in a different currency and market.
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
Plazo ES
Current offer
Bonus
Cashback on purchases with the Plazo card: Up to 15% cashback at favourite brands
Only when paying with the Plazo card; subject to meeting eligibility conditions and validity of the offers
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Plazo ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
Plazo ES
What does borrowing from Plazo ES cost?+
Plazo ES charges an annual cost of 24.19% on a fixed basis, and the origination fee is 0 EUR, so there is no setup charge to add. The published representative example is a revolving credit line repaid in 48 monthly instalments, and the total due comes to noticeably more than the amount drawn. That gap is the real cost to weigh.
Is Plazo ES a regulated lender?+
Plazo ES is a direct lender listed with Banco de España under 6899, so a Spanish supervisor is responsible for how it conducts that business. A loan is a borrowing contract rather than a savings account, so what you owe comes from the published terms, and the register entry is the detail worth checking before you sign.
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