Updated September 28, 2026 · BorrowCue Editorial Team
Crezu ES vs Wannacash ES
Crezu ES vs Wannacash ES: the differences
| Compare |  Crezu ES |  Wannacash ES |
|---|---|---|
| Loan amount | €100 to €5,000Higher | €50 to €900 |
| Term | 91 to 120 monthsHigher | 1 month |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Soft prequal | None |
| Funding time | money in 15 minutes | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | 18+, internet access, ID document and bank account, Spain | 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, Car | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 0% to 36% | Not confirmed |
| Representative example | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Crezu ES scores higher overall: 9.0 vs 8.3.
- Loan amount is higher at Crezu ES: €100 to €5,000 vs €50 to €900.
- Term is higher at Crezu ES: 91 to 120 months vs 1 month.
- Support channels: only Wannacash ES offers Phone.
- Loan types: only Crezu ES offers Debt consolidation.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
Crezu ES
Crezu ES suits Spanish borrowers with a poor credit history who need a small sum the same day. APR runs 0% to 36%, the origination fee is 0 EUR and advertised funding is money in 15 minutes, so the rate you are given rests on the partner lender who responds.
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 | Crezu ES | Wannacash ES |
|---|---|---|
| Cost | 9.9 | Not confirmed |
| Offer | 8.8HigherBroker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.3 | 8.3 |
Feature by feature
| Loan types | Crezu ES | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
Where each is licensed and available
Available in 1 country for both.
Ranges side by side
| Fact | Crezu ES | Wannacash ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €50 to €900 |
If neither fits
Sofkredit has term at 6 to 240 months, against 91 to 120 months for Crezu ES and 1 month for Wannacash ES.
Sofkredit reviewHow they place
| Ranking | Crezu ES | Wannacash ES |
|---|---|---|
| Personal loans | 47 of 1932 | 23 of 1932 |
| Payday and short-term loans | 23 of 246 | 8 of 246 |
| Loans for bad credit | 29 of 275 | 14 of 275 |
| Car loans | 11 of 431 | 7 of 431 |
Every fact side by side
| Fact | Crezu ES | Wannacash ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | 7eBiz International SL |
| Headquarters | Estonia | Spain |
| Support channels | Email, PhoneCovers more |
Where each stands against the rest
| Fact | Crezu ES | Wannacash ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 91 to 120 monthshighest quarter | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Crezu ES
Pros
- APR runs 0% to 36%, so the headline cost sits at the low end of what lenders charge
- The origination fee is 0 EUR, and the representative example shows costs of nothing and a total repayable equal to the amount borrowed
- Funding is advertised at money in 15 minutes, which suits an urgent bill
Cons
- Crezu ES lists its lender kind as a broker (broker), so the rate you are offered depends on which partner responds
- APR can reach 0% to 36% at the top of the range, well above the 12% typical across the site
- Support runs on email only, with no phone or chat route 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
Crezu ES
Who it suits
- Adults in Spain with a poor credit history who need a small sum quickly
- Borrowers who want to see an offer through a soft prequalification rather than a full credit search
- Anyone comfortable letting a broker pass their details to partner lenders
Who should look elsewhere
- Monzo Flex readers, whose APR is 10% to 23% and who want a longer term for a larger sum
- Cashspace readers, whose APR is PHP 12 to PHP 36
- Borrowers who need phone or chat support, since Crezu ES lists email
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
Crezu ES
Current offer
Bonus
Primer prestamo sin coste (0% APR) para nuevos usuarios: 0% APR, costs 0 EUR
New users only; applies to partner lender offers
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 | Crezu ES | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Crezu ES
What APR does Crezu ES charge?+
Crezu ES publishes APR of 0% to 36%, from the lowest pricing to the highest. Because the brand is a broker, the rate depends on which partner lender responds and on your credit profile, so the lower end of the range is a starting point rather than the expected outcome. The median APR across the site is 12%.
Is there an arrangement or origination fee?+
The origination fee is 0 EUR, so there is no separate charge for setting the loan up. The representative example shows costs of nothing on a small short term borrowing, with a total repayable equal to the amount borrowed. Interest is the only element in that example.
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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