Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Wannacash ES
What sets them apart
| Compare | Fidea ReviewVisitVisit |  Wannacash ES |
|---|---|---|
| Loan amount | €500 to €60,000Higher | €50 to €900 |
| Term | 3 to 60 monthsHigher | 1 month |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | A few hours after approval | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | 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 | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 0% to 212% | Not confirmed |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Fidea scores higher overall: 8.9 vs 8.3.
- Loan amount is higher at Fidea: €500 to €60,000 vs €50 to €900.
- Term is higher at Fidea: 3 to 60 months vs 1 month.
- Support channels: only Fidea offers Help centre.
- Loan types: only Fidea offers Debt consolidation.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
Fidea
Fidea suits Spanish residents who want a fee-free personal, payday or debt consolidation loan funded within hours rather than the lowest possible rate. With an origination fee of 0 EUR and APR running 0% to 212%, it is a speed play for borrowers who can handle a hard credit check.
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 | Fidea | Wannacash ES |
|---|---|---|
| Cost | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | Not confirmed |
| Offer | 8.9Higher | 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 |
What each covers
| Loan types | Fidea | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
Where these facts come from
Fidea
- fidea.es: 17 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Fidea | Wannacash ES |
|---|---|---|
| Personal loans | 18 of 1932 | 23 of 1932 |
| Payday and short-term loans | 6 of 246 | 8 of 246 |
| Loans for bad credit | 11 of 275 | 14 of 275 |
Every fact side by side
| Fact | Fidea | Wannacash ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU (reg. 14563072) | 7eBiz International SL |
| Headquarters | Estonia | Spain |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Fidea | Wannacash ES | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €500 to €60,000above the median | €50 to €900lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Fidea
Pros
- No fee comes off the top: the origination fee is 0 EUR and the percentage fee is 0%.
- Funds move A few hours after approval, which is where Fidea outruns slower lenders.
- One application covers personal, payday and debt consolidation and amounts of €500 to €60,000 over terms of 3 to 60.
Cons
- APR runs 0% to 212%, and the representative example ends with a total repayable far above the amount borrowed on a modest sum.
- Applications use a hard credit check (hard), so a refusal is on file and cannot be quietly undone.
- Fidea is a broker, broker, which means the lender, the final rate and the contract terms are set elsewhere after you apply.
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
Fidea
Who it suits
- Residents of Spain holding a DNI or NIE with a Spanish bank account, a mobile number and an email.
- Borrowers with a thin credit file who can live with a hard credit check in exchange for A few hours after approval.
- Anyone planning a home project who wants the fee side of the deal to read 0 EUR.
Who should look elsewhere
- Rate hunters with a strong file: Monzo Flex shows 10% to 23%, far below the top of Fidea's range.
- Borrowers who want one named lender and stated terms up front, since Fidea is a broker and Monzo Flex lists its own range of 10% to 23%.
- Anyone comparing beyond a single market: Cashspace lists PHP 12 to PHP 36, quoted in a different currency for a different set of borrowers.
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 | Fidea | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Fidea
Does Fidea charge an arrangement or origination fee?+
No. The origination fee is 0 EUR and the percentage fee is 0%, so nothing is deducted before the loan is paid out. What you pay is interest, and the number to check is the representative example, which on a modest sum shows a total repayable well above the amount borrowed.
What APR will I actually pay?+
Fidea quotes APR of 0% to 212%, a wide spread that reflects the partner lender you are matched with rather than a single Fidea price. For context, the median across the personal loans compared here is 12.25%, so treat the lower end as the realistic target and the upper end as what a thin file can be charged.
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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