Updated September 28, 2026 · BorrowCue Editorial Team
Credigenio ES vs Wannacash
What sets them apart
| Compare |  Credigenio ES | Wannacash ReviewVisitVisit |
|---|---|---|
| APR | 0% to 317% | 0% to 4,507% |
| Term | 3 to 4 months | 2 to 48 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0 EUR - WannaCash charges no commission or expenses |
| Funding time | Same day - money can be in your account today | Same day; site states 1 minute to the account |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Loan of 1,000 EUR over 24 months, total repayable 1,036.32 EUR, TAE 3.50% (Savso conditions) |
| 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 | Adults of legal age accessing the site from Spain |
| Loan types | Personal, PaydayCovers more | Personal |
| Credit needed | Fair | Poor |
| Loan amount | €50 to €5,000 | Not confirmed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Wannacash scores higher overall: 8.8 vs 8.7.
- Term is higher at Wannacash: 2 to 48 months vs 3 to 4 months.
- Support channels: only Credigenio ES offers Help centre.
- Loan types: only Credigenio ES offers Payday.
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
Wannacash charges no commission, works with poor credit and puts money in the account the same day, which suits borrowers in Spain who need a small personal loan quickly. Rates run 0% to 4,507% across terms of 2 to 48, and the broker sits behind the named operator 7eBiz International SL (CIF B-76048818).
Score breakdown
| Area | Credigenio ES | Wannacash |
|---|---|---|
| Cost | 9.5 | 9.9Higher |
| Offer | 8.4HigherFree early repayment and 0 EUR - no application, opening or management fee; the cost sits in 0% to 317%. | 8.2 |
| Trust | 8.1 | 8.3Higher |
Where each is licensed and available
Available in 1 country for both.
Pick Credigenio ES if, pick Wannacash if
Pick Credigenio ES if loan types matter most.
Pick Wannacash if cost and term matter most.
How they place
| Ranking | Credigenio ES | Wannacash |
|---|---|---|
| Personal loans | 12 of 1932 | 22 of 1932 |
| Loans for bad credit | 8 of 275 | 13 of 275 |
Every fact side by side
| Fact | Credigenio ES | Wannacash |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Adwells Group OÜ (registration number 17379392) | 7eBiz International SL (CIF B-76048818) |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Wannacash | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 0% to 4,507%lowest quarter | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | Not confirmed | €40,000 |
| Term | 3 to 4 monthslowest quarter | 2 to 48 monthsbelow the median | 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
Pros
- Charges no commission or expenses, so interest is the only cost of a Wannacash personal loan: 0 EUR - WannaCash charges no commission or expenses
- Funds the account the same day, quoting Same day; site states 1 minute to the account, in a market where only 82.9% of lenders offer same-day funding
- Works with poor credit, so a weak file is not ruled out at the application stage: poor
Cons
- Support runs on email only, with no phone or chat line listed for questions before or during a loan
- Wannacash is a broker rather than the lender, so 0% to 4,507% is a starting band and not a rate it sets itself
- The rate band is wide, running 0% to 4,507%, so the cheapest and the dearest offers sit far apart on the same page
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
Who it suits
- Adults of legal age in Spain who want a personal loan of 2 to 48 or less and the money in the account the same day
- Borrowers with poor credit who are comfortable with poor and want a broker to approach lenders on their behalf
- People who want to borrow without paying a commission or expenses, since 0 EUR - WannaCash charges no commission or expenses
Who should look elsewhere
- Anyone who wants to talk the numbers through by phone, since help runs on email only and a named provider such as Cashspace or Monzo Flex is the better place to start
- Applicants outside Spain, since the stated eligibility for the service is Adults of legal age accessing the site from Spain
- Anyone who wants a single named lender on a fixed published rate: Monzo Flex lists 10% to 23%, while Wannacash is a broker whose 0% to 4,507% band depends on the offer matched
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
Current offer
First period offer
First loan at 0% interest, free of commissions: 0% interest
Subject to approval by the matching lender; total cost varies by lender, Wannacash states minimum TAE 0% and maximum TAE 4507%
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Wannacash |
|---|---|---|
| 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
Does Wannacash charge any fees for arranging a loan?+
No. The stated fee is 0 EUR - WannaCash charges no commission or expenses, which covers commission and expenses alike, so there is nothing to pay for the introduction itself. Interest is the only cost carried by a borrower who goes ahead, and the rate that applies comes from the partner the application is matched to.
How quickly does the money arrive?+
Funding is the same day, and the site states Same day; site states 1 minute to the account for the transfer to the account. That makes it among the quicker routes in this market, where 82.9% of lenders offer same-day funding at all. The pace applies to the transfer, not to the approval decision.