Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Wannacash
Where Fidea and Wannacash differ
| Compare | Fidea ReviewVisitVisit | Wannacash ReviewVisitVisit |
|---|---|---|
| APR | 0% to 212% | 0% to 4,507% |
| Term | 3 to 60 monthsHigher | 2 to 48 months |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges no commission or expenses |
| Funding time | A few hours after approval | Same day; site states 1 minute to the account |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | Loan of 1,000 EUR over 24 months, total repayable 1,036.32 EUR, TAE 3.50% (Savso conditions) |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Adults of legal age accessing the site from Spain |
| Loan types | Personal, Payday, Debt consolidationCovers more | Personal |
| Loan amount | €500 to €60,000 | Not confirmed |
| Credit check | Hard | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Fidea scores higher overall: 8.9 vs 8.8.
- Term is higher at Fidea: 3 to 60 months vs 2 to 48 months.
- Support channels: only Fidea offers Phone, Help centre.
- Loan types: only Fidea offers Payday, Debt consolidation.
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
Wannacash charges no commission, works with poor credit and puts money in the account the same day, which suits borrowers in Spain who need a small personal loan quickly. Rates run 0% to 4,507% across terms of 2 to 48, and the broker sits behind the named operator 7eBiz International SL (CIF B-76048818).
Score breakdown
| Area | Fidea | Wannacash |
|---|---|---|
| Cost | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 9.9Higher |
| Offer | 8.9Higher | 8.2 |
| Trust | 8.3 | 8.3 |
How they place
| Ranking | Fidea | Wannacash |
|---|---|---|
| Personal loans | 18 of 1932 | 22 of 1932 |
| Loans for bad credit | 11 of 275 | 13 of 275 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 3 to 60 months for Fidea and 2 to 48 months for Wannacash.
Sofkredit reviewWhat we checked
Fidea
- fidea.es: 17 facts, checked September 26, 2026
Wannacash
- wannacash.com: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Fidea | Wannacash |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU (reg. 14563072) | 7eBiz International SL (CIF B-76048818) |
| Headquarters | Estonia | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Fidea | Wannacash | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 4,507%lowest quarter | 8.99 |
| Loan amount | €500 to €60,000above the median | Not confirmed | €40,000 |
| Term | 3 to 60 monthsat the median | 2 to 48 monthsbelow the median | 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
Pros
- Charges no commission or expenses, so interest is the only cost of a Wannacash personal loan: 0 EUR - WannaCash charges no commission or expenses
- Funds the account the same day, quoting Same day; site states 1 minute to the account, in a market where only 82.9% of lenders offer same-day funding
- Works with poor credit, so a weak file is not ruled out at the application stage: poor
Cons
- Support runs on email only, with no phone or chat line listed for questions before or during a loan
- Wannacash is a broker rather than the lender, so 0% to 4,507% is a starting band and not a rate it sets itself
- The rate band is wide, running 0% to 4,507%, so the cheapest and the dearest offers sit far apart on the same page
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
Who it suits
- Adults of legal age in Spain who want a personal loan of 2 to 48 or less and the money in the account the same day
- Borrowers with poor credit who are comfortable with poor and want a broker to approach lenders on their behalf
- People who want to borrow without paying a commission or expenses, since 0 EUR - WannaCash charges no commission or expenses
Who should look elsewhere
- Anyone who wants to talk the numbers through by phone, since help runs on email only and a named provider such as Cashspace or Monzo Flex is the better place to start
- Applicants outside Spain, since the stated eligibility for the service is Adults of legal age accessing the site from Spain
- Anyone who wants a single named lender on a fixed published rate: Monzo Flex lists 10% to 23%, while Wannacash is a broker whose 0% to 4,507% band depends on the offer matched
Current offers
Wannacash
Current offer
First period offer
First loan at 0% interest, free of commissions: 0% interest
Subject to approval by the matching lender; total cost varies by lender, Wannacash states minimum TAE 0% and maximum TAE 4507%
Source, checked September 26, 2026
Country by country
| Country | Fidea | Wannacash |
|---|---|---|
| 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
Does Wannacash charge any fees for arranging a loan?+
No. The stated fee is 0 EUR - WannaCash charges no commission or expenses, which covers commission and expenses alike, so there is nothing to pay for the introduction itself. Interest is the only cost carried by a borrower who goes ahead, and the rate that applies comes from the partner the application is matched to.
How quickly does the money arrive?+
Funding is the same day, and the site states Same day; site states 1 minute to the account for the transfer to the account. That makes it among the quicker routes in this market, where 82.9% of lenders offer same-day funding at all. The pace applies to the transfer, not to the approval decision.