Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Sofkredit
Where Oney Préstamos ES and Sofkredit differ
| Compare |  Oney Préstamos ES |  Sofkredit |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €12,000 to €300,000Higher |
| Arrangement fee | 3% of financed capital (apertura) | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Hard | Soft prequal |
| Funding time | Decision within 48 h, then money sent to the account you choose | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| 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 | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | 3%Lower | 6% to 9% |
| Loan types | Personal, Car, Student, BNPL | Secured, Debt consolidation, Business |
| APR | Not confirmed | 10.74% to 18.06% |
| Term | Not confirmed | 6 to 240 months |
| Representative example | Not confirmed | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Free early repayment | No | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.6.
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 2 more countries.
- Origination fee (%) is lower at Oney Préstamos ES: 3% vs 6% to 9%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €1,000 to €45,000.
- Support channels: only Sofkredit offers Email.
- Loan types: only Oney Préstamos ES offers Personal, Car, Student.
- Loan types: only Sofkredit offers Secured, Debt consolidation, Business.
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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Oney Préstamos ES | Sofkredit |
|---|---|---|
| Cost | 8.3 | 8.5Higher |
| Offer | 8.9 | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 9.2Higher | 8.3 |
Ranges side by side
| Fact | Oney Préstamos ES | Sofkredit |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €12,000 to €300,000 |
If neither fits
Qonto ES has loan amount at €750 to €1,000,000, against €1,000 to €45,000 for Oney Préstamos ES and €12,000 to €300,000 for Sofkredit.
Qonto ES reviewHow they place
| Ranking | Oney Préstamos ES | Sofkredit |
|---|---|---|
| Home improvement loans | 1 of 562 | 2 of 562 |
Every fact side by side
| Fact | Oney Préstamos ES | Sofkredit |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Kova Finance, S.L. |
| Headquarters | Spain | Spain |
| Support channels | Help centre, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Oney Préstamos ES | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Oney Préstamos ES | Sofkredit | Median |
|---|---|---|---|
| APR | Not confirmed | 10.74% to 18.06%above the median | 8.99 |
| Loan amount | €1,000 to €45,000above the median | €12,000 to €300,000highest quarter | €40,000 |
| Term | Not confirmed | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | 3%highest quarter | 6% to 9%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.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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.
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
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 | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| 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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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