Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Wandoo
Where Oney Préstamos ES and Wandoo differ
| Compare |  Oney Préstamos ES |  Wandoo |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €50 to €1,800 |
| Arrangement fee | 3% of financed capital (apertura) | 0.00 EUR (no opening or study commission) |
| Funding time | Decision within 48 h, then money sent to the account you choose | 24-48 hours after approval, depending on the bank |
| 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 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Origination fee (%) | 3% | 0%Lower |
| Loan types | Personal, Car, Student, BNPL | Payday, Personal |
| APR | Not confirmed | 4,530.48% to 8,385.16% |
| Term | Not confirmed | 7 to 35 months |
| Representative example | Not confirmed | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Rate type | Not confirmed | Variable |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (No), Use cases (Home improvement).
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.7.
- Origination fee (%) is lower at Wandoo: 0% vs 3%.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €50 to €1,800.
- Support channels: only Wandoo offers Email.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
- Loan types: only Wandoo 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.
Wandoo
Wandoo suits borrowers in Spain who want a small, short loan with no opening or study commission. The catch is the rate: an APR of 4,530.48% to 8,385.16% sits well above the personal loan median of 12.25%, and early repayment carries a charge.
Score breakdown
| Area | Oney Préstamos ES | Wandoo |
|---|---|---|
| Cost | 8.3 | 8.6HigherOrigination fee of 0.00 EUR (no opening or study commission) and no free early repayment, against an APR of 4,530.48% to 8,385.16%. |
| Offer | 8.9Higher | 8.8 |
| Trust | 9.2Higher | 8.8 |
Feature by feature
| Loan types | Oney Préstamos ES | Wandoo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Car | Yes | No |
| Student | Yes | No |
| BNPL | Yes | No |
| Use cases | Oney Préstamos ES | Wandoo |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Oney Préstamos ES | Wandoo |
|---|---|---|
| Personal loans | 1 of 1932 | 26 of 1932 |
| Home improvement loans | 1 of 562 | 12 of 562 |
Ranges side by side
| Fact | Oney Préstamos ES | Wandoo |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €50 to €1,800 |
Sources behind this comparison
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | Oney Préstamos ES | Wandoo |
|---|---|---|
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | Wandoo Finance S.L.U. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Help centre, Phone | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Oney Préstamos ES | Wandoo | Median |
|---|---|---|---|
| APR | Not confirmed | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Loan amount | €1,000 to €45,000above the median | €50 to €1,800lowest quarter | €40,000 |
| Term | Not confirmed | 7 to 35 monthsbelow 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.
Wandoo
Pros
- No opening or study commission, with an origination fee of 0.00 EUR (no opening or study commission) on the payday and personal loans.
- Repayment follows the income cycle: €50 to €1,800 over 7 to 35, which suits a bill that clears next month rather than a multi year plan.
- Fixed monthly cost from a direct lender, direct lender, so the terms sit with one counterparty instead of a broker chain.
Cons
- The APR of 4,530.48% to 8,385.16% is far above the payday loan median of 36.5%, and the top of the range reaches 4,530.48% to 8,385.16%.
- Free early repayment is no, so clearing the loan early still carries a charge.
- The amount ceiling of €50 to €1,800 is small next to the home improvement median of €1,000, so a large renovation needs another lender.
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.
Wandoo
Who it suits
- Adults resident in Spain with a valid DNI/NIE, a Spanish bank account and verifiable regular income.
- Borrowers covering a short term expense, home improvement is the stated use.
- People whose credit file stands at a fair level and who can handle a hard credit check.
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is no.
- Borrowers needing a long repayment period, as 7 to 35 is short.
- Readers comparing against Monzo Flex, where an APR of 10% to 23% sits far below 4,530.48% to 8,385.16%.
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
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
Source, checked September 26, 2026
Country by country
| Country | Oney Préstamos ES | Wandoo |
|---|---|---|
| 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.
Wandoo
What does a Wandoo loan cost?+
The published APR is 4,530.48% to 8,385.16% and the rate is variable. There is no opening or study commission, the origination fee being 0.00 EUR (no opening or study commission), so the interest rate does most of the work in setting what you repay. The representative example shows the annual cost clearly once the short term is taken into account.
Are there arrangement or opening fees?+
The origination fee is 0.00 EUR (no opening or study commission), and there is no opening or study commission on the payday or personal loans. Interest on the amount borrowed is the main cost, and the rate is variable, so it can move with the reference rate.
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