Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio ES vs Wannacash ES
Where Credigenio ES and Wannacash ES differ
| Compare |  Credigenio ES |  Wannacash ES |
|---|---|---|
| Loan amount | €50 to €5,000Higher | €50 to €900 |
| Term | 3 to 4 monthsHigher | 1 month |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0 EUR - WannaCash charges the applicant nothing |
| Funding time | Same day - money can be in your account today | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Marketplace | Broker |
| 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 | 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 | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| Credit needed | Fair | Poor |
| APR | 0% to 317% | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Not confirmed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Credigenio ES scores higher overall: 8.7 vs 8.3.
- Loan amount is higher at Credigenio ES: €50 to €5,000 vs €50 to €900.
- Term is higher at Credigenio ES: 3 to 4 months vs 1 month.
- Support channels: only Credigenio ES offers Help centre.
- Support channels: only Wannacash ES offers Phone.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
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.
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 | Credigenio ES | Wannacash ES |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.4HigherFree early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. | 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 |
Pick Credigenio ES if, pick Wannacash ES if
Pick Credigenio ES if loan amount and term matter most.
Pick Wannacash ES if loan types matter most.
How they place
| Ranking | Credigenio ES | Wannacash ES |
|---|---|---|
| Personal loans | 12 of 1932 | 23 of 1932 |
| Payday and short-term loans | 3 of 246 | 8 of 246 |
| Loans for bad credit | 8 of 275 | 14 of 275 |
Every fact side by side
| Fact | Credigenio ES | Wannacash ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | 7eBiz International SL |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Email, Phone |
Where each stands against the rest
| Fact | Credigenio ES | Wannacash ES | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 1 monthlowest quarter | 60 |
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.
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
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.
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
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
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 | Credigenio ES | Wannacash ES |
|---|---|---|
| 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.
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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