Updated September 30, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Vivus
What sets them apart
| Compare |  Oney Préstamos ES |  Vivus |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €50 to €10,000 |
| Arrangement fee | 3% of financed capital (apertura) | 0 EUR (credit line disbursement fee) |
| Funding time | Decision within 48 h, then money sent to the account you choose | Within 5 minutes of approval; same day if the bank is in the instant payment system and the request is before 16:00 on a working day, otherwise next working day |
| Free early repayment | No | YesHas it |
| 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 | Permanent residents of the Republic of Latvia aged 18-75 with a Latvian personal code, no overdue payments or debts, sufficient regular income, plus a valid mobile number, email and bank account. |
| Origination fee (%) | 3% | 0%Lower |
| Loan types | Personal, Car, Student, BNPL | Personal, Payday, Car |
| APR | Not confirmed | 44.5% |
| Term | Not confirmed | 3 to 60 months |
| Representative example | Not confirmed | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.8.
- Free early repayment: only Vivus.
- Origination fee (%) is lower at Vivus: 0% vs 3%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €50 to €10,000.
- Support channels: only Vivus offers Chat, Email.
- Loan types: only Oney Préstamos ES offers Student, BNPL.
- Loan types: only Vivus offers Payday.
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.
Vivus
Vivus suits Latvian residents with a good credit file who need money for a home improvement quickly. It is a fast, fixed rate lender with free early repayment, but the headline rate of 44.5% is the price tag that puts it behind cheaper lenders.
Score breakdown
| Area | Oney Préstamos ES | Vivus |
|---|---|---|
| Cost | 8.3 | 9.0HigherAPR of 44.5% sits far above the site median of 12%, though the credit line disbursement fee is 0 EUR (credit line disbursement fee). |
| Offer | 8.9 | 8.9 |
| Trust | 9.2Higher | 9.1 |
Ranges side by side
| Fact | Oney Préstamos ES | Vivus |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €50 to €10,000 |
Where they rank in our lists
| Ranking | Oney Préstamos ES | Vivus |
|---|---|---|
| Personal loans | 1 of 1932 | 24 of 1932 |
| Car loans | 1 of 431 | 8 of 431 |
| Home improvement loans | 1 of 562 | 11 of 562 |
Every fact side by side
| Fact | Oney Préstamos ES | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Spain | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Help centre, Phone | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Oney Préstamos ES | Vivus | Median |
|---|---|---|---|
| APR | Not confirmed | 44.5%highest quarter | 8.99% |
| Loan amount | €1,000 to €45,000above the median | €50 to €10,000below the median | €40,000 |
| Term | Not confirmed | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | 3%highest quarter | 0%below the median | 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.
Vivus
Pros
- Free early repayment, so a borrower who finishes ahead of schedule is not penalised for it
- Repayments are fixed under fixed on a fixed rate basis, so the monthly figure holds for the whole term
- A revolving credit line sits under same day funding and credit line and its percentage fee is 0%, so drawing and repaying the line adds nothing extra
Cons
- The annual percentage rate of 44.5% sits well above the 12% median across the site and well above 10% to 23% at Monzo Flex
- A hard credit check with a good credit requirement narrows who gets an offer, and eligibility also rules out anyone with overdue payments or debts
- The products listed are personal, payday and car, so there is no stated route for consolidating other debts into one payment
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.
Vivus
Who it suits
- Latvian residents with a steady income and a good credit file who need a modest sum quickly and can clear it early
- Borrowers funding a home improvement who want one fixed repayment and a revolving line to draw on as costs build up
- Readers who value a direct lender relationship and phone support more than the lowest headline rate
Who should look elsewhere
- Not for anyone shopping on rate alone, since Monzo Flex quotes 10% to 23% against the 44.5% on this lender
- Not for a like for like price comparison with Cashspace, where PHP 12 to PHP 36 is quoted in another currency
- Not for applicants with a thin credit record, because a hard check and a good requirement set a firm bar
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
Vivus
Current offer
Bonus
Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived)
Shown site-wide next to the client profile login; disbursement fee for the credit line is 0 EUR
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Vivus |
|---|---|---|
| Latvia | 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.
Vivus
What rate do I pay on a Vivus loan?+
The headline annual percentage rate is 44.5%, and the representative example published for the lender quotes the same figure alongside the interest payment and the total repayable on a short loan. The rate is fixed under fixed, so the figure is set for the whole term rather than adjusted as market rates move.
Are there arrangement or disbursement fees?+
The credit line disbursement fee is 0 EUR (credit line disbursement fee) and the matching percentage fee is 0%, so the line itself carries nothing extra to open or draw. What costs money is the interest, and the representative example sets out a loan rate and an annual percentage rate of 44.5% next to the total repayable.
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