Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Que Prestamo
Where Oney Préstamos ES and Que Prestamo differ
| Compare |  Oney Préstamos ES |  Que Prestamo |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €5,000 |
| Arrangement fee | 3% of financed capital (apertura) | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | Decision within 48 h, then money sent to the account you choose | Approval in 5 minutes, money in your account in 15 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, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Origination fee (%) | 3%Lower | 3.5% |
| Loan types | Personal, Car, Student, BNPLCovers more | Personal |
| APR | Not confirmed | 7% to 35% |
| Term | Not confirmed | 1 to 72 months |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Free early repayment | No | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.6.
- Origination fee (%) is lower at Oney Préstamos ES: 3% vs 3.5%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €5,000.
- Support channels: only Oney Préstamos ES offers Help centre, Phone.
- Support channels: only Que Prestamo offers Email.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan of €5,000 decided and paid the same day, without a guarantor. Costs are the trade-off: borrowing runs at 7% to 35% and a processing fee is taken before the money lands, so the total repayable is higher than the headline rate suggests.
Score breakdown
| Area | Oney Préstamos ES | Que Prestamo |
|---|---|---|
| Cost | 8.3 | 8.8Higher7% to 35% spans a wide band above the 12% median, and the arrangement fee is deducted from the amount paid out. |
| Offer | 8.9Higher | 8.6 |
| Trust | 9.2Higher | 8.3 |
Where each is licensed and available
| Country | Oney Préstamos ES | Que Prestamo |
|---|---|---|
| Spain | Banco de España 8814 | Not confirmed |
Available in 1 country for both.
If neither fits
Sofkredit has loan amount at €12,000 to €300,000, against €1,000 to €45,000 for Oney Préstamos ES and €5,000 for Que Prestamo.
Sofkredit reviewWhat we checked
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
How they place
| Ranking | Oney Préstamos ES | Que Prestamo |
|---|---|---|
| Personal loans | 1 of 1932 | 6 of 1932 |
Every fact side by side
| Fact | Oney Préstamos ES | Que Prestamo |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Leads for Finance S.L.U. |
| Headquarters | Spain | Spain |
| Support channels | Help centre, Phone |
Where each stands against the rest
| Fact | Oney Préstamos ES | Que Prestamo | Median |
|---|---|---|---|
| APR | Not confirmed | 7% to 35%below the median | 8.99 |
| Loan amount | €1,000 to €45,000above the median | €5,000lowest quarter | €40,000 |
| Term | Not confirmed | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | 3%highest quarter | 3.5%highest quarter | 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.
Que Prestamo
Pros
- Approval comes quickly: Approval in 5 minutes, money in your account in 15 minutes, with same day funding listed among its features
- No guarantor needed, and a current account in your own name plus a mobile number is enough to apply
- 1 to 72 of repayment term lets you match the loan length to your budget
Cons
- 7% to 35% is a wide band, and the top of it costs far more than the personal loan median of 12%
- The arrangement fee is deducted from the amount paid out, so you receive less than the amount you borrow
- It is a broker rather than the lender itself, broker, so the contract sits with a financial entity it introduces you to
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.
Que Prestamo
Who it suits
- Residents of Spain applying for a personal loan in euros, with a current account and active mobile number
- Borrowers who value speed of approval over the lowest rate
- People who have no guarantor available and need an unsecured personal loan
Who should look elsewhere
- Anyone wanting a fixed, low rate: 7% to 35% runs to the top of the band, far above 12%
- Borrowers who need the full amount in the account, since the arrangement fee is taken out before payment
- Anyone wanting phone or chat support, as email is the only channel listed
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 | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What rate will I pay on a Que Prestamo personal loan?+
Rates run at 7% to 35%, depending on the offer a lender returns. The top of that band sits well above 12%, the personal loan median across the site, so the outcome depends on your profile and the lender matched to you. The representative example shows €5,000 borrowed producing a smaller amount received and a higher total repayable. Ask for the rate and the total repayable before accepting.
How much is deducted before the money reaches my account?+
The arrangement fee is a percentage of the loan amount, taken from the amount disbursed rather than charged later. That is why the representative example shows €5,000 requested producing a smaller amount received, with the balance owed across the term. Budget for the shortfall, because the transfer that lands in your account is the net figure, not the headline amount.
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