Updated October 14, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Timo by BVBank
What sets them apart
| Compare |  Oney Préstamos ES |  Timo by BVBank |
|---|---|---|
| Loan amount | €1,000 to €45,000 | up to ₫50,000,000 |
| Arrangement fee | 3% of financed capital (apertura) | Kredivo platform fee charged once per loan, varies by loan term (VND 21,000 on a VND 700,000 loan) |
| Funding time | Decision within 48 h, then money sent to the account you choose | Within 1 business day of BVBank approval |
| 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 | Vietnamese citizens aged 18 or over with a valid chip ID card open online in the app; foreigners aged 15 or over legally residing in Vietnam may open an account at a BVBank branch with a valid passport plus visa, temporary residence card or permanent residence card |
| Loan types | Personal, Car, Student, BNPL | Personal, Credit line, BNPL |
| APR | Not confirmed | 2.1% |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | VND 700,000 personal loan over 3 months: platform fee VND 21,000, interest about VND 51,184, total to repay VND 772,184, about VND 257,350 per month |
| 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).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Timo by BVBank scores higher overall: 9.6 vs 8.8.
- Support channels: only Timo by BVBank offers Email, Chat, Community.
- Loan types: only Oney Préstamos ES offers Car, Student.
- Loan types: only Timo by BVBank offers Credit line.
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.
Timo by BVBank
Timo by BVBank presents instalment loans through financial partners. The unsecured loans are repaid monthly into a Timo account; applications require Vietnamese nationality.
Score breakdown
| Area | Oney Préstamos ES | Timo by BVBank |
|---|---|---|
| Cost | 8.3 | 9.7Higher |
| Offer | 8.9 | 10.0Higher |
| Trust | 9.2 | 9.2 |
Licences and countries
| Country | Oney Préstamos ES | Timo by BVBank |
|---|---|---|
| Spain | Banco de España 8814 | Not confirmed |
Additional countries for Oney Préstamos ES: 1. Additional countries for Timo by BVBank: 1.
Feature by feature
| Loan types | Oney Préstamos ES | Timo by BVBank |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | No | Yes |
| Car | Yes | No |
| Student | Yes | No |
| BNPL | Yes | Yes |
How they place
| Ranking | Oney Préstamos ES | Timo by BVBank |
|---|---|---|
| Personal loans | 1 of 1920 | 255 of 1920 |
| Buy now, pay later | 1 of 88 | 9 of 88 |
Sources behind this comparison
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Timo by BVBank
- timo.vn: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Oney Préstamos ES | Timo by BVBank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Credit line |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Ban Viet Joint Stock Commercial Bank (BVBank) |
| Headquarters | Spain | Vietnam |
| Support channels | Help centre, Phone | Email, Chat, Phone, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Oney Préstamos ES | Timo by BVBank | Median |
|---|---|---|---|
| APR | Not confirmed | 2.1%lowest quarter | 8.99% |
| Origination fee (%) | 3%highest quarter | Not confirmed | 0.25% |
Median across 885 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.
Timo by BVBank
Pros
- Unsecured instalment-loan options provided by financial partners.
- Monthly repayments and disbursement to a Timo account.
Cons
- Partner and product terms, income and credit criteria apply; Vietnamese nationality is required.
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.
Timo by BVBank
Who it suits
- Vietnamese customers comparing partner-provided instalment borrowing through Timo.
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
Timo by BVBank
Current offer
Bonus
New-customer savings offer when shopping with 7-Eleven: VND 100,000 for new customers
for new Timo customers
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Timo by BVBank |
|---|---|---|
| Spain | Yes | No |
| Vietnam | 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.
What credit check is applied?+
The credit check is hard, so an application is judged on the full file rather than a soft search. Applicants must also be adults with no unpaid debts, which narrows who gets through the door.
Is the lender regulated?+
It operates from ES and is supervised by Banco de España under licence 8814. As a direct lender, it puts its own name on the agreement rather than sending your application elsewhere.
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