Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Prestamiau ES
What sets them apart
| Compare |  Oney Préstamos ES |  Prestamiau ES |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €100 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 | 5 minutes |
| Lender type | Direct lender | Broker |
| 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, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Car, Student, BNPL | Personal, Debt consolidation |
| APR | Not confirmed | 0% to 36% |
| Term | Not confirmed | 3 to 6 months |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 3% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.8.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €100 to €5,000.
- Support channels: only Oney Préstamos ES offers Phone.
- Support channels: only Prestamiau ES offers Email.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
- Loan types: only Prestamiau ES 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.
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Score breakdown
| Area | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Cost | 8.3 | 9.9Higher |
| Offer | 8.9Higher | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 9.2Higher | 8.3 |
From lowest to highest
| Fact | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €100 to €5,000 |
Where each is licensed and available
| Country | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Spain | Banco de España 8814 | Not confirmed |
Available in 1 country for both.
A third option
Sofkredit has loan amount at €12,000 to €300,000, against €1,000 to €45,000 for Oney Préstamos ES and €100 to €5,000 for Prestamiau ES.
Sofkredit reviewHow they place
| Ranking | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Personal loans | 1 of 1932 | 3 of 1932 |
| Home improvement loans | 1 of 562 | 3 of 562 |
Every fact side by side
| Fact | Oney Préstamos ES | Prestamiau ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Fininity OU |
| Headquarters | Spain | Estonia |
| Support channels | Help centre, Phone | Email, Help centre |
Where each stands against the rest
| Fact | Oney Préstamos ES | Prestamiau ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €1,000 to €45,000above the median | €100 to €5,000lowest quarter | €40,000 |
| Term | Not confirmed | 3 to 6 monthslowest quarter | 60 |
| Origination fee (%) | 3%highest quarter | Not confirmed | 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.
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
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.
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
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 | Prestamiau 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.
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.
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