Updated October 12, 2026 · BorrowCue Editorial Team
Deudafix vs Wandoo
Deudafix vs Wandoo: the differences
| Compare |  Deudafix |  Wandoo |
|---|---|---|
| Loan amount | €5,000 to €5,000,000Higher | €50 to €1,800 |
| Eligibility | Citizens and residents of Spain, individuals and sole traders, with unsecured debts of 5,000 to 5,000,000 EUR owed to two or more creditors and under 1,000 EUR left after paying bills; assessment is free | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Debt consolidation | Payday, Personal |
| Credit needed | Poor | Fair |
| APR | Not confirmed | 4,530.48% to 8,385.16% |
| Term | Not confirmed | 7 to 35 months |
| Arrangement fee | Not confirmed | 0.00 EUR (no opening or study commission) |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | 24-48 hours after approval, depending on the bank |
| Representative example | Not confirmed | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Rate type | Not confirmed | Variable |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Loan amount is higher at Deudafix: €5,000 to €5,000,000 vs €50 to €1,800.
- Support channels: only Wandoo offers Help centre.
- Loan types: only Deudafix offers Debt consolidation.
- Loan types: only Wandoo offers Payday, Personal.
Our verdict on each
Deudafix
Deudafix provides lawyer led assistance to cancel debts through the Ley de Segunda Oportunidad, with detailed assessment and help gathering documents. It suits people facing persistent collection calls who want a clear three stage path supported by a team of more than 300 staff.
Wandoo
Wandoo suits borrowers in Spain who want a small, short loan with no opening or study commission. The catch is the rate: an APR of 4,530.48% to 8,385.16% sits well above the personal loan median of 12.25%, and early repayment carries a charge.
Score breakdown
| Area | Deudafix | Wandoo |
|---|---|---|
| Cost | Not confirmed | 8.6Origination fee of 0.00 EUR (no opening or study commission) and no free early repayment, against an APR of 4,530.48% to 8,385.16%. |
| Offer | Not confirmed | 8.8 |
| Trust | Not confirmed | 8.8 |
Positions in our rankings
| Ranking | Deudafix | Wandoo |
|---|---|---|
| Loans for bad credit | 1 of 276 | 15 of 276 |
Feature by feature
| Loan types | Deudafix | Wandoo |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
Ranges side by side
| Fact | Deudafix | Wandoo |
|---|---|---|
| Loan amount | €5,000 to €5,000,000 | €50 to €1,800 |
Licences and countries
Available in 1 country for both.
What we checked
Deudafix
- deudafix.es: 7 facts, checked September 26, 2026
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | Deudafix | Wandoo |
|---|---|---|
| Legal entity | DEUDAFIX REPARADORA LEGAL GROUP, S.L. | Wandoo Finance S.L.U. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Phone, Email | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Deudafix | Wandoo | Median |
|---|---|---|---|
| APR | Not confirmed | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Loan amount | €5,000 to €5,000,000highest quarter | €50 to €1,800lowest quarter | €40,000 |
| Term | Not confirmed | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1007 listed lenders.
Pros and cons
Deudafix
Pros
- Qualified lawyers manage each case with detailed individual assessment
- Clear three stage path from personal analysis to registry removal request
- Help collecting required documents keeps the application moving smoothly
Cons
- Telephone led intake without direct online filing option
- Focus stays on legal debt cancellation without wider lending options
Wandoo
Pros
- No opening or study commission, with an origination fee of 0.00 EUR (no opening or study commission) on the payday and personal loans.
- Repayment follows the income cycle: €50 to €1,800 over 7 to 35, which suits a bill that clears next month rather than a multi year plan.
- Fixed monthly cost from a direct lender, direct lender, so the terms sit with one counterparty instead of a broker chain.
Cons
- The APR of 4,530.48% to 8,385.16% is far above the payday loan median of 36.5%, and the top of the range reaches 4,530.48% to 8,385.16%.
- Free early repayment is no, so clearing the loan early still carries a charge.
- The amount ceiling of €50 to €1,800 is small next to the home improvement median of €1,000, so a large renovation needs another lender.
Who each suits
Deudafix
Who it suits
- People needing help to stop persistent collection calls
- People wanting lawyer support with documents and calls
Who should look elsewhere
- Those seeking standard personal lending
Wandoo
Who it suits
- Adults resident in Spain with a valid DNI/NIE, a Spanish bank account and verifiable regular income.
- Borrowers covering a short term expense, home improvement is the stated use.
- People whose credit file stands at a fair level and who can handle a hard credit check.
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is no.
- Borrowers needing a long repayment period, as 7 to 35 is short.
- Readers comparing against Monzo Flex, where an APR of 10% to 23% sits far below 4,530.48% to 8,385.16%.
Current offers
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
Source, checked September 26, 2026
Country by country
| Country | Deudafix | Wandoo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Deudafix
Who can apply through Deudafix?+
Applications are open to citizens and residents in Spain who need to cancel applicable debts through the courts. Specialists contact applicants by telephone to review personal circumstances. They then explain the available legal options and guide each person through the next stages.
How does the application work in three stages?+
The journey starts with a personal analysis by debt specialists who outline possible solutions. Lawyers then manage the legal procedure and the collection of required documents. The final stage involves requesting removal from credit records after exoneration is granted.
Wandoo
What does a Wandoo loan cost?+
The published APR is 4,530.48% to 8,385.16% and the rate is variable. There is no opening or study commission, the origination fee being 0.00 EUR (no opening or study commission), so the interest rate does most of the work in setting what you repay. The representative example shows the annual cost clearly once the short term is taken into account.
Are there arrangement or opening fees?+
The origination fee is 0.00 EUR (no opening or study commission), and there is no opening or study commission on the payday or personal loans. Interest on the amount borrowed is the main cost, and the rate is variable, so it can move with the reference rate.