Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio ES vs Wandoo
Credigenio ES vs Wandoo: the differences
| Compare |  Credigenio ES |  Wandoo |
|---|---|---|
| APR | 0% to 317%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €50 to €5,000Higher | €50 to €1,800 |
| Term | 3 to 4 months | 7 to 35 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0.00 EUR (no opening or study commission) |
| Funding time | Same day - money can be in your account today | 24-48 hours after approval, depending on the bank |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll required | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Loan types (Personal, Payday), Credit needed (Fair).
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Key differences
- APR is lower at Credigenio ES: 0% to 317% vs 4,530.48% to 8,385.16%.
- Free early repayment: only Credigenio ES.
- Loan amount is higher at Credigenio ES: €50 to €5,000 vs €50 to €1,800.
- Term is higher at Wandoo: 7 to 35 months vs 3 to 4 months.
- Support channels: only Wandoo offers Phone.
Our verdict on each
Credigenio ES
Credigenio ES suits Spanish adults who need a small personal or payday loan today and can clear it inside 3 to 4. Speed is the draw, and the fee line reads 0 EUR - no application, opening or management fee, but APR runs 0% to 317% and the offer score is 1.5.
Wandoo
Wandoo suits borrowers in Spain who want a small, short loan with no opening or study commission. The catch is the rate: an APR of 4,530.48% to 8,385.16% sits well above the personal loan median of 12.25%, and early repayment carries a charge.
Score breakdown
| Area | Credigenio ES | Wandoo |
|---|---|---|
| Cost | 9.5Higher | 8.6Origination fee of 0.00 EUR (no opening or study commission) and no free early repayment, against an APR of 4,530.48% to 8,385.16%. |
| Offer | 8.4Free early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. | 8.8Higher |
| Trust | 8.1 | 8.8Higher |
How they place
| Ranking | Credigenio ES | Wandoo |
|---|---|---|
| Personal loans | 12 of 1932 | 26 of 1932 |
| Payday and short-term loans | 3 of 246 | 11 of 246 |
| Loans for bad credit | 8 of 275 | 15 of 275 |
Which one suits you
Pick Credigenio ES if cost, apr, loan amount, and free early repayment matter most.
Pick Wandoo if offer, trust, and term matter most.
Ranges side by side
| Fact | Credigenio ES | Wandoo |
|---|---|---|
| APR | 0% to 317% | 4,530.48% to 8,385.16% |
| Loan amount | €50 to €5,000 | €50 to €1,800 |
| Term | 3 to 4 months | 7 to 35 months |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 317% for Credigenio ES and 4,530.48% to 8,385.16% for Wandoo.
FINANZCHECK.de reviewWhat we checked
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | Credigenio ES | Wandoo |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Wandoo Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Wandoo | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | €50 to €1,800lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credigenio ES
Pros
- No charge to set the loan up: 0 EUR - no application, opening or management fee on the personal and the payday product alike.
- Money can land the same day: Same day - money can be in your account today.
- Early repayment is free, so a shorter hold genuinely costs less.
Cons
- APR runs 0% to 317%, against 10% to 23% at Monzo Flex and PHP 12 to PHP 36 at Cashspace, so the rate is the weak point.
- 3 to 4 is the whole window, so anything beyond a bridge to the next payday does not fit.
- Support runs on email and help centre only, with no phone line or live chat listed.
Wandoo
Pros
- No opening or study commission, with an origination fee of 0.00 EUR (no opening or study commission) on the payday and personal loans.
- Repayment follows the income cycle: €50 to €1,800 over 7 to 35, which suits a bill that clears next month rather than a multi year plan.
- Fixed monthly cost from a direct lender, direct lender, so the terms sit with one counterparty instead of a broker chain.
Cons
- The APR of 4,530.48% to 8,385.16% is far above the payday loan median of 36.5%, and the top of the range reaches 4,530.48% to 8,385.16%.
- Free early repayment is no, so clearing the loan early still carries a charge.
- The amount ceiling of €50 to €1,800 is small next to the home improvement median of €1,000, so a large renovation needs another lender.
Who each suits
Credigenio ES
Who it suits
- Readers who put speed and a clear fee first, since Same day - money can be in your account today and 0 EUR - no application, opening or management fee are the parts worth having, against the PHP 12 to PHP 36 range Cashspace lists.
- Borrowers turned away elsewhere who still meet the fair bar, since no guarantor and no payroll document are needed.
- Anyone who can settle inside 3 to 4 and wants to finish without a charge, rather than rolling a balance while paying PHP 12 to PHP 36 elsewhere.
Who should look elsewhere
- Anyone choosing on rate: Monzo Flex lists 10% to 23%, far under the 0% to 317% range here.
- Borrowers who need a longer window than 3 to 4 to clear a balance, since nothing longer is offered here.
- Readers who want a phone or live chat line, because support runs on email and help centre only.
Wandoo
Who it suits
- Adults resident in Spain with a valid DNI/NIE, a Spanish bank account and verifiable regular income.
- Borrowers covering a short term expense, home improvement is the stated use.
- People whose credit file stands at a fair level and who can handle a hard credit check.
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is no.
- Borrowers needing a long repayment period, as 7 to 35 is short.
- Readers comparing against Monzo Flex, where an APR of 10% to 23% sits far below 4,530.48% to 8,385.16%.
Current offers
Credigenio ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
Source, checked September 26, 2026
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Wandoo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credigenio ES
What does it cost to borrow?+
There is no application, opening or management charge, since the stated origination fee is 0 EUR - no application, opening or management fee, and it applies to both the personal and the payday product. The real cost sits in the interest, where APR runs 0% to 317%. Settle early and that cost stops building, because early repayment is free.
What does a real loan from this look like?+
The representative example takes a small loan over a short term and shows the total repayable well above the amount borrowed, with the cost of borrowing a marked share of the repayment. That is the pattern to expect, and 3 to 4 is the window on offer across both the personal and the payday product. Compare it with the 0% to 317% range before you commit.
Wandoo
What does a Wandoo loan cost?+
The published APR is 4,530.48% to 8,385.16% and the rate is variable. There is no opening or study commission, the origination fee being 0.00 EUR (no opening or study commission), so the interest rate does most of the work in setting what you repay. The representative example shows the annual cost clearly once the short term is taken into account.
Are there arrangement or opening fees?+
The origination fee is 0.00 EUR (no opening or study commission), and there is no opening or study commission on the payday or personal loans. Interest on the amount borrowed is the main cost, and the rate is variable, so it can move with the reference rate.