Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs Wannacash ES
What sets them apart
| Compare |  Cashspace |  Wannacash ES |
|---|---|---|
| Loan amount | ₱500 to ₱25,000 | €50 to €900 |
| Term | 2 to 4 monthsHigher | 1 month |
| Arrangement fee | 0 | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | Applicants in the Philippines, valid ID required | 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, Credit line | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| APR | ₱12 to ₱36 | Not confirmed |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cashspace scores higher overall: 8.9 vs 8.3.
- Term is higher at Cashspace: 2 to 4 months vs 1 month.
- Support channels: only Cashspace offers Help centre, Community.
- Support channels: only Wannacash ES offers Phone.
- Features: only Cashspace offers Credit line.
- Loan types: only Wannacash ES offers Business, Student, Car.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
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 | Cashspace | Wannacash ES |
|---|---|---|
| Cost | 9.8Origination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | Not confirmed |
| Offer | 8.5Higher | 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 |
Where each is licensed and available
Additional countries for Cashspace: 1. Additional countries for Wannacash ES: 1.
Positions in our rankings
| Ranking | Cashspace | Wannacash ES |
|---|---|---|
| Personal loans | 33 of 1932 | 23 of 1932 |
| Payday and short-term loans | 15 of 246 | 8 of 246 |
| Loans for bad credit | 20 of 275 | 14 of 275 |
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 4 months for Cashspace and 1 month for Wannacash ES.
Sofkredit reviewEvery fact side by side
| Fact | Cashspace | Wannacash ES |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Fininity OU | 7eBiz International SL |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre, Community | Email, Phone |
Where each stands against the rest
| Fact | Cashspace | Wannacash ES | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
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
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
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 | Cashspace | Wannacash ES |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
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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