Updated September 29, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Quick Car Finance
Oney Préstamos ES vs Quick Car Finance: the differences
| Compare |  Oney Préstamos ES |  Quick Car Finance |
|---|---|---|
| Loan amount | €1,000 to €45,000 | £3,000 to £50,000 |
| Arrangement fee | 3% of financed capital (apertura) | 0 |
| Credit check | Hard | Soft prequal |
| Funding time | Decision within 48 h, then money sent to the account you choose | 1-3 working days |
| 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 | 18+, UK resident |
| Loan types | Personal, Car, Student, BNPLCovers more | Car |
| APR | Not confirmed | 9.9% to 60% |
| Term | Not confirmed | 12 to 60 months |
| Representative example | Not confirmed | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 3% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Free early repayment (No).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Loan types: only Oney Préstamos ES offers Personal, 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.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | Oney Préstamos ES | Quick Car Finance |
|---|---|---|
| Cost | 8.3Higher | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 8.9 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 9.2Higher | 8.6Broker model of broker under licence 764855. |
Positions in our rankings
| Ranking | Oney Préstamos ES | Quick Car Finance |
|---|---|---|
| Car loans | 1 of 431 | 2 of 431 |
Where each is licensed and available
| Country | Oney Préstamos ES | Quick Car Finance |
|---|---|---|
| Spain | Banco de España 8814 | Not confirmed |
| United Kingdom | Not confirmed | Financial Conduct Authority 764855 |
Additional countries for Oney Préstamos ES: 1. Additional countries for Quick Car Finance: 1.
Which one suits you
Pick Oney Préstamos ES if trust and loan types matter most.
Pick Quick Car Finance if offer matter most.
Where these facts come from
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Quick Car Finance
- quickcarfinance.co.uk: 14 facts, checked September 28, 2026
Every fact side by side
| Fact | Oney Préstamos ES | Quick Car Finance |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Help centre, Phone | Not confirmed |
Where each stands against the rest
| Fact | Oney Préstamos ES | Quick Car Finance | Median |
|---|---|---|---|
| APR | Not confirmed | 9.9% to 60%above the median | 8.99 |
| Term | Not confirmed | 12 to 60 monthsat the median | 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.
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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.
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
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 | Quick Car Finance |
|---|---|---|
| Spain | Yes | No |
| United Kingdom | No | 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.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.
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