Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Wannacash ES
What sets them apart
| Compare |  Andacredito |  Wannacash ES |
|---|---|---|
| Loan amount | €100 to €5,000Higher | €50 to €900 |
| Term | 2 to 3 monthsHigher | 1 month |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges the applicant nothing |
| Funding time | 10 minutes | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 0% to 36% | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Andacredito scores higher overall: 8.7 vs 8.3.
- Loan amount is higher at Andacredito: €100 to €5,000 vs €50 to €900.
- Term is higher at Andacredito: 2 to 3 months vs 1 month.
- Support channels: only Wannacash ES offers Phone.
- Loan types: only Andacredito offers Debt consolidation.
- Loan types: only Wannacash ES offers Credit line, Secured.
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.
Wannacash ES
WannaCash suits borrowers in Spain who need a small personal or payday loan the same day and prefer a fee of 0 EUR - WannaCash charges the applicant nothing for the arrangement, though as a broker it passes the rate on from a third party lender.
Score breakdown
| Area | Andacredito | Wannacash ES |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.3 | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Andacredito | Wannacash ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €50 to €900 |
Where each is licensed and available
Available in 1 country for both.
A third option
Oney Préstamos ES has loan amount at €1,000 to €45,000, against €100 to €5,000 for Andacredito and €50 to €900 for Wannacash ES.
Oney Préstamos ES reviewHow they place
| Ranking | Andacredito | Wannacash ES |
|---|---|---|
| Personal loans | 13 of 1932 | 23 of 1932 |
| Payday and short-term loans | 4 of 246 | 8 of 246 |
| Loans for bad credit | 9 of 275 | 14 of 275 |
| Car loans | 3 of 431 | 7 of 431 |
| Business loans | 2 of 435 | 4 of 435 |
| Private student loans | 2 of 167 | 3 of 167 |
Every fact side by side
| Fact | Andacredito | Wannacash ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | 7eBiz International SL |
| Headquarters | Estonia | Spain |
| Support channels | Email, PhoneCovers more |
Where each stands against the rest
| Fact | Andacredito | Wannacash ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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.
Wannacash ES
Pros
- A fee of 0 EUR - WannaCash charges the applicant nothing means the arrangement adds no cost to the borrowing.
- Funding is quick: money lands in the account minutes after approval, usually the same day as the application.
- The credit check is none, and eligibility rests on a Spanish bank account and recurring income, with no payroll or guarantor required.
Cons
- The cap on €50 to €900 sits far below €100 to €5,000 at Cashspace ES, so anyone covering a larger cost needs a different lender.
- The credit needed is poor, which tells you the pricing is aimed at applicants with a weaker credit history rather than the strongest files.
- WannaCash is a broker, so the offer you receive is set by a third party lender rather than by the broker you apply through.
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%.
Wannacash ES
Who it suits
- Adults in Spain who hold a Spanish bank account, have recurring income and need a small personal or payday loan the same day.
- Borrowers with poor credit who do not want a credit check run against them and want to skip the payroll and guarantor requirements.
- People who would rather deal with one broker that covers personal, payday and credit line than shop a separate lender for each loan type.
Who should look elsewhere
- Anyone borrowing a large sum: €50 to €900 stops well short of €100 to €5,000 at Cashspace ES and £10,000 to £35,000 at Monzo Flex.
- Borrowers who want a personal bank relationship with a wide lending range, since Monzo Flex works from £10,000 to £35,000.
- People who need live chat support, as support runs on email and phone only.
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
Wannacash ES
Current offer
Bonus
First quick loan free of interest and fees: 0% interest and no fees on the first loan
Offer run by the partner lenders selected by Wannacash; complete the application form, not obliged to accept
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Wannacash ES |
|---|---|---|
| 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.
Wannacash ES
What does WannaCash charge to arrange a loan?+
The fee is 0 EUR - WannaCash charges the applicant nothing, so there is no arrangement charge to pay on top of the loan. What you repay is the amount advanced plus the interest the lender charges. Because WannaCash is a broker, the rate itself comes from a third party lender, so ask for the rate in writing before you accept an offer.
How much can I borrow from WannaCash?+
The lending range is €50 to €900, which is below the typical personal loan amount of €556.48 on the site. In practice this suits smaller, short-term needs rather than a large expense or a consolidation. If you need more, Cashspace ES lends up to €100 to €5,000.
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