Updated September 30, 2026 · BorrowCue Editorial Team
Credino vs Wannacash ES
Where Credino and Wannacash ES differ
| Compare |  Credino |  Wannacash ES |
|---|---|---|
| Loan amount | DKK 1,000 to DKK 500,000 | €50 to €900 |
| Term | 12 monthsHigher | 1 month |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges the applicant nothing |
| Funding time | First offers selected in about 2 minutes | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Marketplace | Broker |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | 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, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| APR | 81% | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE) | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Wannacash ES scores higher overall: 8.3 vs 8.2.
- Term is higher at Credino: 12 months vs 1 month.
- Loan types: only Wannacash ES offers Personal, Payday, Credit line.
Our verdict on each
Credino
Credino suits borrowers with poor credit who want to compare car or home improvement offers through a marketplace rather than applying to a direct lender. Its pricing centres on APR of 81% with origination fees of 0 EUR, so check the published example carefully before you proceed.
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 | Credino | Wannacash ES |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | Not confirmed |
| Offer | 8.4HigherOffer reflects marketplace reach across car for planned spend | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 8.3Higher |
What each covers
| Loan types | Credino | Wannacash ES |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
Which one suits you
Pick Credino if term matter most.
Pick Wannacash ES if loan types matter most.
What we checked
Credino
- credino.es: 8 facts, checked September 26, 2026
- credino.dk: 5 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Credino | Wannacash ES |
|---|---|---|
| Car loans | 15 of 431 | 7 of 431 |
Every fact side by side
| Fact | Credino | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | 7eBiz International SL |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed | Email, Phone |
Where each stands against the rest
| Fact | Credino | Wannacash ES | Median |
|---|---|---|---|
| APR | 81%highest quarter | Not confirmed | 8.99% |
| Term | 12 monthslowest quarter | 1 monthlowest quarter | 60 months |
Median across 1005 listed lenders.
Pros and cons
Credino
Pros
- Marketplace model via marketplace lets you review varied partner offers in a single search
- Origination fees run 0 EUR so setup adds no separate charge beyond interest
- Car coverage via car suits vehicle shoppers comparing providers
Cons
- Pricing centres on APR of 81% which can make total repayment heavy for tight budgets
- Repayment window sits at 12 which limits flexibility if you hoped to spread costs
- Support runs on email only which may frustrate you if you prefer phone help
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
Credino
Who it suits
- Borrowers with poor credit comparing marketplace offers for car or renovation spend
- Shoppers who value prompt shortlisting described as First offers selected in about 2 minutes before detailed checks
- Borrowers comfortable managing help by email while comparing lenders
Who should look elsewhere
- Borrowers chasing lower headline APR who may prefer Ibancar Prestamos because its listed APR differs from 81%
- Borrowers wanting card style revolving credit who may prefer AXI Card Tarjeta y Credito for its card structure
- Borrowers wanting longer schedules who may avoid Credino because duration sits at 12
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
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 | Credino | Wannacash ES |
|---|---|---|
| Denmark | Yes | No |
| Spain | No | Yes |
Questions about each
Credino
Is Credino a lender or a comparison service?+
Credino focuses on comparison rather than direct lending, operating as marketplace. You submit details and review partner offers, then continue with the chosen provider under its own terms and checks.
What does borrowing through Credino cost?+
The headline cost is APR of 81% alongside fees of 0 EUR. You should read the published illustration showing monthly instalments and total payable, since interest makes the total exceed the amount borrowed.
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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