Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Prestalo
What sets them apart
| Compare |  Oney Préstamos ES |  Prestalo |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €500 to €100,000Higher |
| Arrangement fee | 3% of financed capital (apertura) | 0 EUR |
| Funding time | Decision within 48 h, then money sent to the account you choose | Money transferred to your bank account, normally within 24 to 48 hours |
| Lender type | Direct lender | Broker |
| 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 | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Car, Student, BNPL | Personal, Payday, Car, Debt consolidation, Secured |
| APR | Not confirmed | 4.1% to 30% |
| Term | Not confirmed | 1 to 120 months |
| Representative example | Not confirmed | EUR 5,000 loan repaid over 60 months, fixed annual interest 6.11%, TAE 6.28%, monthly payment 96.62 EUR, no opening or early-repayment fee, total repayable 5,815.20 EUR |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 3% | Not confirmed |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Free early repayment: only Prestalo.
- Loan amount is higher at Prestalo: €500 to €100,000 vs €1,000 to €45,000.
- Support channels: only Prestalo offers Email, Chat.
- Loan types: only Oney Préstamos ES offers Student, BNPL.
- Loan types: only Prestalo offers Payday, Debt consolidation, Secured.
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.
Prestalo
Prestalo suits Spanish residents who want one broker covering personal and mortgage borrowing, with personal loan APR of 4.1% to 30% and no arrangement fee.
Score breakdown
| Area | Oney Préstamos ES | Prestalo |
|---|---|---|
| Cost | 8.3 | 9.4Higher |
| Offer | 8.9 | 9.0HigherPersonal loans at 4.1% to 30% with arrangement fee 0 EUR and free early repayment, plus a mortgage at 2.36% and APRC 2.97%. |
| Trust | 9.2Higher | 8.3 |
Side by side, item by item
| Loan types | Oney Préstamos ES | Prestalo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Student | Yes | No |
| BNPL | Yes | No |
| Use cases | Oney Préstamos ES | Prestalo |
|---|---|---|
| Home improvement | Yes | Yes |
Pick Oney Préstamos ES if, pick Prestalo if
Pick Oney Préstamos ES if trust matter most.
Pick Prestalo if cost, loan amount, and free early repayment matter most.
Ranges side by side
| Fact | Oney Préstamos ES | Prestalo |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €500 to €100,000 |
A third option
Deudafix has loan amount at €5,000 to €5,000,000, against €1,000 to €45,000 for Oney Préstamos ES and €500 to €100,000 for Prestalo.
Deudafix reviewSources behind this comparison
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Prestalo
- prestalo.com: 20 facts, checked September 26, 2026
How they place
| Ranking | Oney Préstamos ES | Prestalo |
|---|---|---|
| Personal loans | 1 of 1920 | 60 of 1920 |
| Car loans | 1 of 432 | 16 of 432 |
| Home improvement loans | 1 of 562 | 27 of 562 |
Every fact side by side
| Fact | Oney Préstamos ES | Prestalo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | PRESTALO ONLINE, S.L. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2018 |
| Support channels | Help centre, Phone | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Oney Préstamos ES | Prestalo |
|---|---|---|
| Initial rate | Not confirmed | 2.36% |
| APRC | Not confirmed | 2.97% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Oney Préstamos ES | Prestalo | Median |
|---|---|---|---|
| APR | Not confirmed | 4.1% to 30%lowest quarter | 8.99 |
| Loan amount | €1,000 to €45,000above the median | €500 to €100,000highest quarter | €40,000 |
| Term | Not confirmed | 1 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.
Prestalo
Pros
- Personal loan APR runs 4.1% to 30% with arrangement fee 0 EUR, so the headline cost is the interest and nothing else.
- Free early repayment means clearing the balance early costs nothing, which suits anyone whose income may rise.
- Rate type is fixed and the model is fixed rate, so the monthly payment does not move when base rates shift.
Cons
- Credit check is hard and the credit needed is good, which rules out anyone with a thin or damaged credit file.
- Lender kind is broker, so the lender you end up with is chosen by a third party rather than by you.
- APR of 4.1% to 30% spans from below the personal loan median of 12% to well above it, so the rate you are offered depends heavily on your file.
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.
Prestalo
Who it suits
- Adults in Spain with a good credit file and stable income who want a fixed-rate personal loan with no arrangement fee.
- Borrowers taking out a mortgage through a broker at an initial rate of 2.36% and APRC 2.97% with no product fee.
- People who expect to clear the loan early and value free early repayment.
Who should look elsewhere
- Anyone needing a variable-rate loan, since the rate type is fixed and the mortgage runs fixed for 25.
- Borrowers with a poor credit history, given the hard credit check and the good credit requirement.
- Shoppers who want to pick the lender directly, since Prestalo works as broker.
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 | Oney Préstamos ES | Prestalo |
|---|---|---|
| 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.
Prestalo
What APR does Prestalo charge on a personal loan?+
Personal loan APR is 4.1% to 30%, which covers the full cost of the credit as a single yearly rate. The arrangement fee is 0 EUR, so there is nothing on top of that figure to add separately. The rate is fixed, so the monthly payment holds steady for the whole term.
Is there any fee to open or repay a Prestalo loan early?+
The arrangement fee is 0 EUR and early repayment is free, so clearing the balance ahead of schedule carries no charge. The mortgage product fee is €0 as well. Together these mean your exit options stay open on both the personal loan and the mortgage.
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