Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Solcredito MX
What sets them apart
| Compare |  Oney Préstamos ES |  Solcredito MX |
|---|---|---|
| Loan amount | €1,000 to €45,000 | up to MX$100,000 |
| Arrangement fee | 3% of financed capital (apertura) | 0 MXN |
| Funding time | Decision within 48 h, then money sent to the account you choose | Within 24 hours |
| 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 | 18-80 years old, resident in Mexico, hold an account at a national bank, email and mobile phone |
| Loan types | Personal, Car, Student, BNPL | Personal, Car, Secured, Debt consolidation, BNPL |
| APR | Not confirmed | 9.5% to 3,696% |
| Term | Not confirmed | 3 to 48 months |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | Borrow $10,000 at a 12% annual rate over 6 months: monthly payment $1,732.98, total repayment $10,397.88 (total CAT 12.001%) |
| Rate type | Not confirmed | Fixed |
| 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
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Support channels: only Oney Préstamos ES offers Phone.
- Support channels: only Solcredito MX offers Email.
- Loan types: only Oney Préstamos ES offers Student.
- Loan types: only Solcredito MX offers Secured, 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.
Solcredito MX
Solcredito MX suits Mexican residents with poor credit who need a personal loan quickly and want the repayment fixed. Funding lands Within 24 hours, the origination fee is 0 MXN, and the wide rate band is the main thing to check before you sign.
Score breakdown
| Area | Oney Préstamos ES | Solcredito MX |
|---|---|---|
| Cost | 8.3 | 8.9Higher |
| Offer | 8.9Higher | 8.59.5% to 3,696% is far wider than the alternatives, which is what holds the offer score back, though the fixed fixed rate keeps payments predictable. |
| Trust | 9.2Higher | 8.5 |
Availability and regulation
| Country | Oney Préstamos ES | Solcredito MX |
|---|---|---|
| Spain | Banco de España 8814 | Not confirmed |
Additional countries for Oney Préstamos ES: 1. Additional countries for Solcredito MX: 1.
Side by side, item by item
| Loan types | Oney Préstamos ES | Solcredito MX |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Student | Yes | No |
| BNPL | Yes | Yes |
| Use cases | Oney Préstamos ES | Solcredito MX |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Oney Préstamos ES | Solcredito MX |
|---|---|---|
| Personal loans | 1 of 1932 | 61 of 1932 |
| Car loans | 1 of 431 | 17 of 431 |
| Home improvement loans | 1 of 562 | 28 of 562 |
| Buy now, pay later | 1 of 88 | 2 of 88 |
Every fact side by side
| Fact | Oney Préstamos ES | Solcredito MX |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Fiizy OU |
| Headquarters | Spain | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Help centre, Phone | Email, Help centre |
Where each stands against the rest
| Fact | Oney Préstamos ES | Solcredito MX | Median |
|---|---|---|---|
| APR | Not confirmed | 9.5% to 3,696%above the median | 8.99 |
| Term | Not confirmed | 3 to 48 monthsbelow 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.
Solcredito MX
Pros
- Origination fee of 0 MXN, so the cost is the interest and the amount you repay rather than a fee sitting on top.
- Poor credit is enough: poor is the stated requirement, and 70.1% shows most brands in the bad credit ranking ask the same.
- Quick payout on an accepted application, with funding Within 24 hours and same-day funding listed as a feature, same day funding.
Cons
- The rate band is the weak point: 9.5% to 3,696% stretches far wider than the 10% to 23% at Monzo Flex or the PHP 12 to PHP 36 at Cashspace.
- Support runs on email and help centre only, while phone is the most common channel in the personal loan ranking, 85.3%.
- It is a broker, broker, so the rate and the contract come from whichever lender takes the application, and direct lenders lead the personal loan ranking at 76.3%.
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.
Solcredito MX
Who it suits
- Adults living in Mexico with a bank account, an email address and a mobile number, applying on poor credit.
- Borrowers who need the money Within 24 hours and can live with a monthly amount set on a fixed basis.
- People consolidating debts, buying a car or fixing up a home, since personal, car and secured and home improvement cover those uses.
Who should look elsewhere
- Borrowers who want a tight rate band: Monzo Flex prices at 10% to 23% and Cashspace at PHP 12 to PHP 36, both narrower than 9.5% to 3,696%.
- People who need to talk something through, since support is limited to email and help centre rather than a phone line.
- Borrowers wanting a bigger sum than up to MXN 100,000 or a longer term than 3 to 48, who would do better checking direct lenders than a broker.
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
Solcredito MX
Current offer
First period offer
First loan from 0% interest: 0% interest on the first loan
Offer depends on the lender network; the exact CAT and any charges are disclosed before signing the loan contract
Source, checked September 26, 2026
Bonus
Extra $12,000 from 0% for special events: 12,000 MXN additional credit at 0%
Special event promotion on personal loans, terms per lender offer
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Solcredito MX |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | No |
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.
Solcredito MX
What rate will I pay on a Solcredito MX personal loan?+
Rates depend on the partner lender your application reaches, and the published band is 9.5% to 3,696%, which is wide. For context, the middle of the market on this site is 12%. Ask for the rate in writing once an offer lands, and compare the total you repay against the amount you borrow.
Does Solcredito MX charge an origination fee?+
The stated origination fee is 0 MXN, so the headline cost here is the interest itself. That compares well with lenders that add a fee on top of the rate. Read the partner lender's terms too, since a broker arrangement carries terms set by the funder.
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