Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Wandoo
Andacredito vs Wandoo: the differences
| Compare |  Andacredito |  Wandoo |
|---|---|---|
| APR | 0% to 36%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000Higher | €50 to €1,800 |
| Term | 2 to 3 months | 7 to 35 monthsHigher |
| Arrangement fee | 0 EUR | 0.00 EUR (no opening or study commission) |
| Funding time | 10 minutes | 24-48 hours after approval, depending on the bank |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Payday, Personal |
| Credit needed | Poor | Fair |
| Credit check | Not confirmed | Hard |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Variable), Origination fee (%) (0%).
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Key differences
- APR is lower at Andacredito: 0% to 36% vs 4,530.48% to 8,385.16%.
- Free early repayment: only Andacredito.
- Loan amount is higher at Andacredito: €100 to €5,000 vs €50 to €1,800.
- Term is higher at Wandoo: 7 to 35 months vs 2 to 3 months.
- Support channels: only Wandoo offers Phone, Help centre.
- Loan types: only Andacredito offers Car, Business, Student.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
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 | Andacredito | Wandoo |
|---|---|---|
| Cost | 9.5Higher | 8.6Origination 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 | 8.3 | 8.8Higher |
| Trust | 8.3 | 8.8Higher |
Feature by feature
| Loan types | Andacredito | Wandoo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
From lowest to highest
| Fact | Andacredito | Wandoo |
|---|---|---|
| APR | 0% to 36% | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000 | €50 to €1,800 |
| Term | 2 to 3 months | 7 to 35 months |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Andacredito and 4,530.48% to 8,385.16% for Wandoo.
FINANZCHECK.de reviewWhere these facts come from
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
How they place
| Ranking | Andacredito | Wandoo |
|---|---|---|
| Personal loans | 13 of 1932 | 26 of 1932 |
| Payday and short-term loans | 4 of 246 | 11 of 246 |
| Loans for bad credit | 9 of 275 | 15 of 275 |
Every fact side by side
| Fact | Andacredito | Wandoo |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OU | Wandoo Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Wandoo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €1,800lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
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
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
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
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
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 | Andacredito | Wandoo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
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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