Updated September 28, 2026 · BorrowCue Editorial Team
BadCreditLoans.com vs Wannacash ES
BadCreditLoans.com vs Wannacash ES: the differences
| Compare | BadCreditLoans.com ReviewVisitVisit |  Wannacash ES |
|---|---|---|
| Loan amount | $500 to $10,000 | €50 to €900 |
| Term | 3 to 72 monthsHigher | 1 month |
| Arrangement fee | $0 USD | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | As fast as the next business day | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Marketplace | Broker |
| Eligibility | U.S. residents; not available in all states; some network lenders offer loans to borrowers with all types of credit | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Business, Student, Car | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| APR | 19.9% | Not confirmed |
| Representative example | Sample cash loan: $2,000 for 12 months at 19.9% representative APR, $183.63 monthly repayment, $2,203.56 total repayment | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- BadCreditLoans.com scores higher overall: 8.4 vs 8.3.
- Term is higher at BadCreditLoans.com: 3 to 72 months vs 1 month.
- Features: only BadCreditLoans.com offers Credit line.
- Features: only Wannacash ES offers Same day funding.
- Loan types: only Wannacash ES offers Payday, Credit line, Secured.
Our verdict on each
BadCreditLoans.com
BadCreditLoans.com is a US matching service aimed at borrowers with poor credit who need a small loan quickly, at 19.9% and an origination fee of $0 USD. It suits applicants a prime lender would turn down, and suits them less well where a cheaper rate matters more than the speed of funding.
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 | BadCreditLoans.com | Wannacash ES |
|---|---|---|
| Cost | 8.5Cost is the weak point: 19.9% on a personal loan, and terms reach 3 to 72. | Not confirmed |
| Offer | 8.6Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.1 | 8.3Higher |
Where each is licensed and available
Additional countries for BadCreditLoans.com: 1. Additional countries for Wannacash ES: 1.
Which one suits you
Pick BadCreditLoans.com if offer and term matter most.
Pick Wannacash ES if loan types matter most.
How they place
| Ranking | BadCreditLoans.com | Wannacash ES |
|---|---|---|
| Personal loans | 135 of 1932 | 23 of 1932 |
| Loans for bad credit | 76 of 275 | 14 of 275 |
| Car loans | 36 of 431 | 7 of 431 |
| Business loans | 25 of 435 | 4 of 435 |
| Private student loans | 13 of 167 | 3 of 167 |
Every fact side by side
| Fact | BadCreditLoans.com | Wannacash ES |
|---|---|---|
| Features | Credit line | Same day funding |
| Legal entity | Great LLC | 7eBiz International SL |
| Headquarters | United States | Spain |
| Support channels | Email, Phone | Email, Phone |
Where each stands against the rest
| Fact | BadCreditLoans.com | Wannacash ES | Median |
|---|---|---|---|
| APR | 19.9%highest quarter | Not confirmed | 8.99% |
| Term | 3 to 72 monthsabove the median | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
BadCreditLoans.com
Pros
- An origination fee of $0 USD, so nothing is taken for setting the loan up.
- Speed: As fast as the next business day.
- Built for the poor credit band (poor), with some lenders in the network lending to any type of credit.
Cons
- A hard credit check sits behind every application (hard), so a rejection can be recorded on the file.
- Support runs on email and phone only, with no live chat or help centre listed.
- The rate of 19.9% is steep next to Monzo Flex, where rates run 10% to 23%.
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
BadCreditLoans.com
Who it suits
- US residents with poor credit who need a small amount quickly and can live with 19.9%.
- Borrowers after a car, student or business loan as well as a personal one, since personal, business and student are all in the mix.
- Anyone who wants a fee-free arrangement, with an origination fee of $0 USD.
Who should look elsewhere
- Monzo Flex, for borrowers whose credit file carries them into a cheaper band, since rates there run 10% to 23%.
- Cashspace ES, for anyone who would rather pay 0% than 19.9%.
- Cashspace, for readers outside the US, since this service is limited to US residents.
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
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 | BadCreditLoans.com | Wannacash ES |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
BadCreditLoans.com
What rate do borrowers pay?+
The headline rate is 19.9%, and this is a matching service rather than one lender, so the rate offered depends on which network lender approves. Terms run 3 to 72 and loan sizes run $500 to $10,000.
Is there an origination fee to pay?+
There is no origination fee: $0 USD is charged for setting the loan up or for passing an application to a network lender. A hard credit check (hard) is the cost of looking instead, and a declined application can still be recorded by the lender that ran it.
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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