Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Sezzle
What sets them apart
| Compare |  Oney Préstamos ES |  Sezzle |
|---|---|---|
| Loan amount | €1,000 to €45,000 | from $20 |
| Arrangement fee | 3% of financed capital (apertura) | $0 to $7.49 finance charge (service fee) charged at loan origination |
| Credit check | Hard | Soft prequal |
| Funding time | Decision within 48 h, then money sent to the account you choose | Immediate: Sezzle pays the merchant in full for the order as soon as the order is placed |
| 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 years or older, US or Canadian resident with a mobile number that receives texts, verifiable email and a non-prepaid debit or credit card |
| Loan types | Personal, Car, Student, BNPLCovers more | BNPL, Personal |
| APR | Not confirmed | 45% |
| Term | Not confirmed | 1.5 months |
| Representative example | Not confirmed | Pay in 4: $300 loan, $75 down payment today, then 3 payments of $75 every two weeks at 45.0% APR, total payments $307.49 including a $7.49 service fee |
| Rate type | Not confirmed | Fixed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 3% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Sezzle is available in 1 more country.
- Support channels: only Sezzle offers Email.
- Loan types: only Oney Préstamos ES offers Car, Student.
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.
Sezzle
Sezzle turns a shop into a down payment at checkout and the rest in short instalments, which suits shoppers spreading a modest basket over weeks. The trade-off is the 45% APR plus a service fee at order placement, so it works for smaller orders rather than large ones.
Score breakdown
| Area | Oney Préstamos ES | Sezzle |
|---|---|---|
| Cost | 8.3Higher | 8.2APR of 45% plus a service fee at origination sits above cheaper rivals, and the plan clears in 1.5. |
| Offer | 8.9Higher | 8.5A soft prequal check, a fixed rate, and the merchant paid in full the moment the order is placed. |
| Trust | 9.2 | 9.2 |
What each covers
| Loan types | Oney Préstamos ES | Sezzle |
|---|---|---|
| Personal | Yes | Yes |
| Car | Yes | No |
| Student | Yes | No |
| BNPL | Yes | Yes |
How they place
| Ranking | Oney Préstamos ES | Sezzle |
|---|---|---|
| Personal loans | 1 of 1932 | 128 of 1932 |
| Buy now, pay later | 1 of 88 | 5 of 88 |
Every fact side by side
| Fact | Oney Préstamos ES | Sezzle |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Sezzle Inc. |
| Headquarters | Spain | United States |
| Support channels | Help centre, Phone | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Oney Préstamos ES | Sezzle | Median |
|---|---|---|---|
| APR | Not confirmed | 45%highest quarter | 8.99% |
| Term | Not confirmed | 1.5 monthslowest quarter | 60 months |
| 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.
Sezzle
Pros
- The merchant is paid in full as soon as the order is placed, so nothing is held back while you clear instalments.
- Checking is a soft prequal search, a lighter touch on your file than a full credit application.
- Support runs on email, phone and help centre, with both phone and email listed.
Cons
- The 45% APR is steep, while buy now pay later listings on this site sit at 2.1%.
- Support runs on email, phone and help centre only, with live chat absent from the listed channels.
- Eligibility asks for a minimum age, a US or Canadian residence, a mobile number that receives texts, a verifiable email and a non-prepaid card, which narrows who can apply.
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.
Sezzle
Who it suits
- Shoppers splitting a modest basket who prefer to keep the whole order off a card.
- People who need the order funded straight away, since the merchant is paid in full as soon as the order is placed.
- US or Canadian residents with a verifiable email and a non-prepaid card who meet the minimum age.
Who should look elsewhere
- Shoppers after a cheaper personal loan: Monzo Flex lists 10% to 23% against 45% at Sezzle.
- Borrowers who want a longer repayment window, since the 1.5 schedule finishes far sooner than a personal loan term.
- Anyone wanting an interest-free alternative: Cashspace ES lists 0%.
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
Sezzle
Current offer
Bonus
Sezzle giveaways: over $150K in prizes given away, win $2,000 in Sezzle Spend
entries made in the Sezzle app; eligibility criteria apply
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Sezzle |
|---|---|---|
| Canada | No | Yes |
| Spain | Yes | No |
| United States | 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.
Sezzle
What does a Sezzle plan cost?+
A service fee is charged when the plan is created, on top of the 45% APR. The worked example pairs a down payment at checkout with the balance repaid in equal instalments, and the service fee is added to the total. Budget for the instalments and the fee together.
How does that APR compare with other lenders here?+
Sezzle charges 45% APR on fixed terms. Personal loan listings on this site sit at 12%, so a short instalment plan here costs well above a typical personal loan rate. The rate is fixed, so the instalment amount holds for the life of the plan.
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