Updated September 29, 2026 · BorrowCue Editorial Team
Cool Credit vs Wannacash ES
Where Cool Credit and Wannacash ES differ
| Compare |  Cool Credit |  Wannacash ES |
|---|---|---|
| Loan amount | CZK 1,000 to CZK 30,000 | €50 to €900 |
| Term | 5 to 93 monthsHigher | 1 month |
| Arrangement fee | Loan provision fee 375 CZK on 1,000 CZK for 30 days; 6,750 CZK on 9,000 CZK for 93 days | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Within 10 minutes of loan approval | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals aged 18+ with permanent or temporary residence in the Czech Republic, own Czech bank account, mobile phone and email | 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, Student, Business | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| APR | 3,091% to 416,607% | Not confirmed |
| Representative example | 1,000 CZK for 30 days, fixed 0% rate, loan provision fee 375 CZK, RPSN 4,716%, total repayable 1,375 CZK | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
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Key differences
- Cool Credit scores higher overall: 8.8 vs 8.3.
- Term is higher at Cool Credit: 5 to 93 months vs 1 month.
- Support channels: only Cool Credit offers Chat, Help centre.
- Loan types: only Wannacash ES offers Credit line, Secured.
Our verdict on each
Cool Credit
Cool Credit suits Czech residents who need a small fixed-rate loan released quickly, and offers personal, payday, car, student and business lending under one licence.
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 | Cool Credit | Wannacash ES |
|---|---|---|
| Cost | 8.6 | Not confirmed |
| Offer | 8.9HigherFixed rates on CZK 1,000 to CZK 30,000 for 5 to 93, same-day funding Within 10 minutes of loan approval. | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.9Higher | 8.3 |
Feature by feature
| Loan types | Cool Credit | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | Yes |
Which one suits you
Pick Cool Credit if offer, trust, and term matter most.
Pick Wannacash ES if loan types matter most.
Also worth a look
Sofkredit has term at 6 to 240 months, against 5 to 93 months for Cool Credit and 1 month for Wannacash ES.
Sofkredit reviewWhere these facts come from
Cool Credit
- coolcredit.cz: 18 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Cool Credit | Wannacash ES |
|---|---|---|
| Personal loans | 123 of 1932 | 23 of 1932 |
| Payday and short-term loans | 50 of 246 | 8 of 246 |
| Car loans | 33 of 431 | 7 of 431 |
| Business loans | 21 of 435 | 4 of 435 |
| Private student loans | 11 of 167 | 3 of 167 |
Every fact side by side
| Fact | Cool Credit | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | COOL CREDIT, s.r.o. (IČ 02112621) | 7eBiz International SL |
| Headquarters | Czechia | Spain |
| Founded | 2013 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Cool Credit | Wannacash ES | Median |
|---|---|---|---|
| APR | 3,091% to 416,607%highest quarter | Not confirmed | 8.99 |
| Term | 5 to 93 monthsabove the median | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Cool Credit
Pros
- Funds arrive Within 10 minutes of loan approval, which is quick for a direct lender
- A direct lender, not a broker, so you deal with the entity that makes the decision
- Free early repayment, so settling early costs nothing extra
Cons
- An APR of 3,091% to 416,607% makes anything beyond a short bridge very expensive
- A hard credit check, which is the market's most common type of check and leaves a mark on the file
- A loan provision fee is charged on top of the interest rate, so the example total is far above the amount borrowed
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
Cool Credit
Who it suits
- Czech residents with permanent or temporary residence in the country and a Czech bank account
- Adults with a mobile phone and email, which every applicant needs here
- Borrowers covering a short gap who can clear the balance within the term
Who should look elsewhere
- Anyone planning a long repayment, because the term runs 5 to 93 and the APR is high
- Monzo Flex, if you want a longer fixed-rate loan at a rate that stays sane for years
- Cashspace ES, where the listed APR is far lower, though it sits in a different market
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
Cool Credit
Current offer
Discount code
20% discount for the loan for Slovaks: 20% off with discount code SLOV
Applies to the loan for Slovaks without permanent residence in the Czech Republic
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 | Cool Credit | Wannacash ES |
|---|---|---|
| Czechia | Yes | No |
| Spain | No | Yes |
Questions about each
Cool Credit
What rate will I pay on a Cool Credit loan?+
The advertised APR runs 3,091% to 416,607%, which spans a very wide band. The published example pairs a low fixed rate with a loan provision fee, so the headline rate understates what you repay. Always read the example against the fee rather than the rate alone.
What does Cool Credit charge to arrange a loan?+
A loan provision fee is added to the amount borrowed. The published figures show a fee on a small loan over a short period and a larger fee on a bigger loan over a longer one, so the charge scales with how much you take and how long you keep 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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