Updated September 28, 2026 · BorrowCue Editorial Team
Consumers Credit Union vs Wannacash ES
Consumers Credit Union vs Wannacash ES: the differences
| Compare |  Consumers Credit Union |  Wannacash ES |
|---|---|---|
| Term | 0 to 84 monthsHigher | 1 month |
| Credit check | Soft prequal | None |
| Funding time | Funds could be available the same day you apply for a personal loan | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Anyone can join Consumers Cooperative Association (CCU's membership common bond); adults 18 and older, minors 13-17 with a parent or legal guardian joint on the account; valid unexpired US government photo ID and Social Security number required | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Car, Personal, Debt consolidation, Secured | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 3.99% to 9.99% | Not confirmed |
| Loan amount | Not confirmed | €50 to €900 |
| Arrangement fee | Not confirmed | 0 EUR - WannaCash charges the applicant nothing |
| Representative example | Auto loan: $20,000 financed at 3.99% APR over 60 months = $368.00 monthly | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Consumers Credit Union scores higher overall: 9.3 vs 8.3.
- Term is higher at Consumers Credit Union: 0 to 84 months vs 1 month.
- Support channels: only Consumers Credit Union offers Help centre.
- Loan types: only Consumers Credit Union offers Debt consolidation.
- Loan types: only Wannacash ES offers Payday, Credit line, Business.
Our verdict on each
Consumers Credit Union
Consumers Credit Union lends directly to its members and suits borrowers who want fixed rate borrowing at the low end of the market. Rates run 3.99% to 9.99%, the loan book covers car, personal and debt consolidation, and applications run a soft prequal check, with same day funding for those in a hurry.
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 | Consumers Credit Union | Wannacash ES |
|---|---|---|
| Cost | 9.5 | 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 | 9.6Higher | 8.3 |
Licences and countries
| Country | Consumers Credit Union | Wannacash ES |
|---|---|---|
| United States | Not confirmed |
Additional countries for Consumers Credit Union: 1. Additional countries for Wannacash ES: 1.
Side by side, item by item
| Loan types | Consumers Credit Union | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
Positions in our rankings
| Ranking | Consumers Credit Union | Wannacash ES |
|---|---|---|
| Personal loans | 83 of 1932 | 23 of 1932 |
| Secured loans | 14 of 472 | 3 of 472 |
| Car loans | 20 of 431 | 7 of 431 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 0 to 84 months for Consumers Credit Union and 1 month for Wannacash ES.
Sofkredit reviewWhere these facts come from
Consumers Credit Union
- myconsumers.org: 16 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Consumers Credit Union | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Consumers Credit Union | 7eBiz International SL |
| Headquarters | United States | Spain |
| Founded | 1930 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Consumers Credit Union | Wannacash ES | Median |
|---|---|---|---|
| APR | 3.99% to 9.99%lowest quarter | Not confirmed | 8.99 |
| Loan amount | Not confirmed | €50 to €900lowest quarter | €40,000 |
| Term | 0 to 84 monthsabove the median | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Consumers Credit Union
Pros
- Rates run 3.99% to 9.99%, below the personal loan median of 12.25% on the site.
- Borrowing is fixed rate, so the payment does not move with the market.
- Applications run a soft prequal check, while 76.5% of personal loans here use a hard check.
Cons
- Membership is required: you must meet the common bond and show a valid unexpired government photo ID and a Social Security number.
- The representative example for an auto loan is worked out at the cheapest rate in the range, so its monthly payment reads as a floor.
- Help runs on phone, email and help centre, and chat is the least used support channel on the site at 33.1%.
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
Consumers Credit Union
Who it suits
- US borrowers who can meet the membership common bond and want a fixed rate loan priced at 3.99% to 9.99%.
- Car buyers and anyone tidying existing debt, since the book covers car, personal and debt consolidation.
- Households funding home improvement projects, with terms running 0 to 84 months.
Who should look elsewhere
- Anyone outside the US, because this lender is based in the United States.
- Borrowers after a market priced in Philippine pesos can look at Cashspace, whose rates run PHP 12 to PHP 36.
- Readers who want interest free credit may prefer Cashspace ES at 0%, or a wider rate band from Monzo Flex at 10% to 23%.
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
Consumers Credit Union
Current offer
Discount code
0.50% APR discount on auto loans bought through CCU's Car Buying Service: 0.50% APR discount
Auto loan must be booked through CCU and the vehicle purchased at a certified dealer through CCU's Car Buying Service purchasing process
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 | Consumers Credit Union | Wannacash ES |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
Consumers Credit Union
What rate will I pay?+
Consumers Credit Union lists rates of 3.99% to 9.99% and the borrowing is fixed rate, so the figure you are offered does not drift with the market. The published auto example sits at the cheapest end of that range, so treat it as a floor. Loans cover car, personal and debt consolidation.
Is my money safe with this credit union?+
The credit union is supervised by the National Credit Union Administration, and deposits carry federal insurance through it. Borrowing is arranged with a direct lender, so the published rate sheet is the sheet your offer is priced from.
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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