Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Wannacash ES
Where Creduma ES and Wannacash ES differ
| Compare |  Creduma ES |  Wannacash ES |
|---|---|---|
| Loan amount | from €12,000 | €50 to €900 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Soft prequal | None |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Secured, Debt consolidation | Personal, Payday, Credit line, Business, Student, Car, Secured |
| Term | Not confirmed | 1 month |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Creduma ES scores higher overall: 8.7 vs 8.3.
- Loan types: only Creduma ES offers Debt consolidation.
- Loan types: only Wannacash ES offers Personal, Payday, Credit line.
Our verdict on each
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
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 | Creduma ES | Wannacash ES |
|---|---|---|
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.3 |
How they place
| Ranking | Creduma ES | Wannacash ES |
|---|---|---|
| Loans for bad credit | 26 of 276 | 14 of 276 |
| Secured loans | 6 of 473 | 3 of 473 |
Every fact side by side
| Fact | Creduma ES | Wannacash ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | 7eBiz International SL |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed | Email, Phone |
Mortgages
| Fact | Creduma ES | Wannacash ES |
|---|---|---|
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | Creduma ES | Wannacash ES | Median |
|---|---|---|---|
| Loan amount | from €12,000below the median | €50 to €900lowest quarter | €40,000 |
| Term | Not confirmed | 1 monthlowest quarter | 60 months |
Median across 1007 listed lenders.
Pros and cons
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
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
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
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 | Creduma ES | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
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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