Updated September 29, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Postbank
Oney Préstamos ES vs Postbank: the differences
| Compare |  Oney Préstamos ES |  Postbank |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €3,000 to €80,000Higher |
| Funding time | Decision within 48 h, then money sent to the account you choose | A few days: review normally takes two business days, plus a few days until the money arrives |
| Free early repayment | No | YesHas it |
| 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 | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal, Car, Student, BNPL | Personal, Debt consolidation, Car |
| APR | Not confirmed | 3.25% to 14.3% |
| Term | Not confirmed | 12 to 120 months |
| Arrangement fee | 3% of financed capital (apertura) | Not confirmed |
| Representative example | Not confirmed | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 3% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Postbank scores higher overall: 9.3 vs 8.8.
- Free early repayment: only Postbank.
- Loan amount is higher at Postbank: €3,000 to €80,000 vs €1,000 to €45,000.
- Support channels: only Postbank offers Email.
- Loan types: only Oney Préstamos ES offers Student, BNPL.
- Loan types: only Postbank offers Debt consolidation.
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.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | Oney Préstamos ES | Postbank |
|---|---|---|
| Cost | 8.3 | 9.4Higher |
| Offer | 8.9 | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.2 | 9.2 |
Where each is licensed and available
| Country | Oney Préstamos ES | Postbank |
|---|---|---|
| Germany | Not confirmed | |
| Spain | Banco de España 8814 | Not confirmed |
Additional countries for Oney Préstamos ES: 1. Additional countries for Postbank: 1.
What each covers
| Loan types | Oney Préstamos ES | Postbank |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Car | Yes | Yes |
| Student | Yes | No |
| BNPL | Yes | No |
| Use cases | Oney Préstamos ES | Postbank |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Oney Préstamos ES | Postbank |
|---|---|---|
| Personal loans | 1 of 1920 | 85 of 1920 |
| Car loans | 1 of 432 | 21 of 432 |
| Home improvement loans | 1 of 562 | 37 of 562 |
Every fact side by side
| Fact | Oney Préstamos ES | Postbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Spain | Germany |
| Support channels | Help centre, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Oney Préstamos ES | Postbank |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Oney Préstamos ES | Postbank | Median |
|---|---|---|---|
| APR | Not confirmed | 3.25% to 14.3%lowest quarter | 8.99 |
| Loan amount | €1,000 to €45,000above the median | €3,000 to €80,000highest quarter | €40,000 |
| Term | Not confirmed | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 3%highest quarter | Not confirmed | 0.25% |
Median across 1152 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.
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
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.
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
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
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Postbank |
|---|---|---|
| Germany | No | Yes |
| Spain | Yes | No |
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.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
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