Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Tamara
Oney Préstamos ES vs Tamara: the differences
| Compare |  Oney Préstamos ES |  Tamara |
|---|---|---|
| Loan amount | €1,000 to €45,000 | up to SAR 50,000 |
| Arrangement fee | 3% of financed capital (apertura) | SAR 0 (Pay in 3) |
| 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+ and citizen or resident of Saudi Arabia, UAE or Kuwait; 21+ and citizen of Bahrain |
| Loan types | Personal, Car, Student, BNPLCovers more | BNPL |
| APR | Not confirmed | 0% |
| Term | Not confirmed | 3 to 24 months |
| Funding time | Decision within 48 h, then money sent to the account you choose | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 3% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Tamara scores higher overall: 9.4 vs 8.8.
- Tamara is available in 3 more countries.
- Support channels: only Tamara offers Email.
- Loan types: only Oney Préstamos ES offers Personal, 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.
Tamara
Tamara suits Gulf shoppers who want to split a purchase and pay nothing in interest. Its APR of 0% and an origination fee of SAR 0 (Pay in 3) make it the cheapest of these brands, while a hard credit check and a 3 to 24 term window keep it a short commitment.
Score breakdown
| Area | Oney Préstamos ES | Tamara |
|---|---|---|
| Cost | 8.3 | 9.9HigherAPR of 0% and an origination fee of SAR 0 (Pay in 3) on the interest free plan, against 9.5% to 3,696% at Solcredito MX. |
| Offer | 8.9Higher | 8.8 |
| Trust | 9.2 | 9.2 |
What each covers
| Loan types | Oney Préstamos ES | Tamara |
|---|---|---|
| Personal | Yes | No |
| Car | Yes | No |
| Student | Yes | No |
| BNPL | Yes | Yes |
Positions in our rankings
| Ranking | Oney Préstamos ES | Tamara |
|---|---|---|
| Buy now, pay later | 1 of 88 | 10 of 88 |
Where each is licensed and available
| Country | Oney Préstamos ES | Tamara |
|---|---|---|
| Saudi Arabia | Not confirmed | Saudi Central Bank (SAMA) 95/A Sh/202502 |
| Spain | Banco de España 8814 | Not confirmed |
Additional countries for Oney Préstamos ES: 1. Additional countries for Tamara: 4.
What we checked
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Tamara
- tamara.co: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Oney Préstamos ES | Tamara |
|---|---|---|
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Tamara Finance Company |
| Headquarters | Spain | Saudi Arabia |
| Support channels | Help centre, Phone | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Oney Préstamos ES | Tamara | Median |
|---|---|---|---|
| APR | Not confirmed | 0%lowest quarter | 8.99% |
| Term | Not confirmed | 3 to 24 monthslowest quarter | 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.
Tamara
Pros
- APR of 0%, against 9.5% to 3,696% at Solcredito MX
- An origination fee of SAR 0 (Pay in 3) on the interest free plan
- Licensed by the Saudi Central Bank (SAMA) under 95/A Sh/202502
Cons
- The credit check is hard, so any application is recorded on the file
- Terms run 3 to 24, so a long repayment window is not offered
- Buy now pay later is the only product listed under bnpl, with no consolidation or credit line
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.
Tamara
Who it suits
- Adults who are citizens or residents of Saudi Arabia, the UAE or Kuwait, and adult citizens of Bahrain, splitting a purchase at a merchant
- Readers who want a regulated direct lender with nothing charged in interest on the short plan
- Shoppers with a larger basket in mind, since amounts reach up to SAR 50,000
Who should look elsewhere
- Readers who need a debt consolidation loan or a credit line, since buy now pay later is the only product under bnpl
- Anyone who wants a soft prequalification rather than a hard credit check, or who lives outside the Gulf markets Tamara serves
- Borrowers after a small personal loan, where Kviku's ceiling of up to €2,000 is a better fit, or a much larger one, where Oney Préstamos ES runs to €1,000 to €45,000
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
Tamara
Current offer
First period offer
Tamara Smart free first month: Free for the first month, then 19 SAR monthly
Tamara Smart membership subscription; pays 19 SAR monthly afterwards
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Tamara |
|---|---|---|
| Bahrain | No | Yes |
| Kuwait | No | Yes |
| Saudi Arabia | No | Yes |
| Spain | Yes | No |
| United Arab Emirates | 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.
Tamara
What does it cost to split a purchase with Tamara?+
The APR is 0% on the interest free plan, so nothing accrues on the balance. The origination fee is SAR 0 (Pay in 3) on that same plan, which means there is no separate setup charge either. Solcredito MX, by contrast, charges an APR of 9.5% to 3,696%.
Is Tamara regulated?+
Yes. In Saudi Arabia the lender is licensed by the Saudi Central Bank (SAMA), and the licence number is 95/A Sh/202502. The contracting entity is Tamara Finance Company, which is headquartered in Saudi Arabia and lends its own money rather than passing borrowers on.
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