Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs Wannacash ES
Creditilia ES vs Wannacash ES: the differences
| Compare |  Creditilia ES |  Wannacash ES |
|---|---|---|
| Loan amount | €500 to €50,000Higher | €50 to €900 |
| Term | 3 to 96 monthsHigher | 1 month |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Marketplace | Broker |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | 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, Debt consolidation, Business, Guarantor, Car | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 4% to 289% | Not confirmed |
| Representative example | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Creditilia ES scores higher overall: 8.7 vs 8.3.
- Loan amount is higher at Creditilia ES: €500 to €50,000 vs €50 to €900.
- Term is higher at Creditilia ES: 3 to 96 months vs 1 month.
- Support channels: only Wannacash ES offers Phone.
- Loan types: only Creditilia ES offers Debt consolidation, Guarantor.
- Loan types: only Wannacash ES offers Credit line, Student, Secured.
Our verdict on each
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
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 | Creditilia ES | Wannacash ES |
|---|---|---|
| Cost | 9.4Fees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. | Not confirmed |
| Offer | 8.5Higher | 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 |
Side by side, item by item
| Loan types | Creditilia ES | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | No | Yes |
| Guarantor | Yes | No |
Ranges side by side
| Fact | Creditilia ES | Wannacash ES |
|---|---|---|
| Loan amount | €500 to €50,000 | €50 to €900 |
Licences and countries
Available in 1 country for both.
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 96 months for Creditilia ES and 1 month for Wannacash ES.
Sofkredit reviewWhat we checked
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Creditilia ES | Wannacash ES |
|---|---|---|
| Personal loans | 51 of 1932 | 23 of 1932 |
| Payday and short-term loans | 24 of 246 | 8 of 246 |
| Loans for bad credit | 31 of 275 | 14 of 275 |
| Car loans | 13 of 431 | 7 of 431 |
| Business loans | 8 of 435 | 4 of 435 |
Every fact side by side
| Fact | Creditilia ES | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | 7eBiz International SL |
| Headquarters | Spain | Spain |
| Support channels | Email, PhoneCovers more |
Mortgages
| Fact | Creditilia ES | Wannacash ES |
|---|---|---|
| Initial rate | 4% | Not confirmed |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Creditilia ES | Wannacash ES | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €500 to €50,000above the median | €50 to €900lowest quarter | €40,000 |
| Term | 3 to 96 monthsabove the median | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
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
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
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 | Creditilia ES | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
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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