Updated September 28, 2026 · BorrowCue Editorial Team
Finipay vs Wannacash
Where Finipay and Wannacash differ
| Compare |  Finipay | 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 | Under 24 hours | Same day; site states 1 minute to the account |
| Representative example | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, 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 held in own name, mobile phone and email | Adults of legal age accessing the site from Spain |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Personal |
| Loan amount | €300 to €5,000 | 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
- Finipay scores higher overall: 8.9 vs 8.8.
- Term is higher at Finipay: 3 to 60 months vs 2 to 48 months.
- Support channels: only Finipay offers Phone, Help centre.
- Loan types: only Finipay offers Payday, Debt consolidation, Car.
Our verdict on each
Finipay
Finipay suits Spanish adults with poor credit who need a small euro loan quickly and want no set-up charge. The trade-off is cost: an APR band of 0% to 212% and a representative example where a short loan costs far more to repay than to borrow.
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 | Finipay | Wannacash |
|---|---|---|
| Cost | 9.7The 0% to 212% band is far wider than the 12.25% midpoint for personal loans here, so cost depends almost entirely on your credit file. | 9.9Higher |
| Offer | 8.8Higher | 8.2 |
| Trust | 8.3 | 8.3 |
Where each is licensed and available
Available in 1 country for both.
A third option
Sofkredit has term at 6 to 240 months, against 3 to 60 months for Finipay and 2 to 48 months for Wannacash.
Sofkredit reviewSources behind this comparison
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Wannacash
- wannacash.com: 13 facts, checked September 26, 2026
How they place
| Ranking | Finipay | Wannacash |
|---|---|---|
| Personal loans | 19 of 1932 | 22 of 1932 |
| Loans for bad credit | 12 of 275 | 13 of 275 |
Every fact side by side
| Fact | Finipay | Wannacash |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | 7eBiz International SL (CIF B-76048818) |
| Headquarters | Estonia | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Finipay | Wannacash | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 4,507%lowest quarter | 8.99 |
| Loan amount | €300 to €5,000lowest quarter | 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
Finipay
Pros
- Setting the loan up adds nothing: the origination fee is 0 EUR, so no charge is bolted on to the interest.
- Money arrives in Under 24 hours, and same-day funding sits in same day funding.
- Poor credit is the target: poor means the service is aimed at files mainstream lenders decline.
Cons
- Finipay is a broker rather than the lender (broker), so the rate is set by a partner lender and its terms are not spelled out here.
- The cost of a short term is severe: the representative example repays far more than it lends, and the top of 0% to 212% is steep.
- Borrowing stops at €300 to €5,000, so a larger renovation, car purchase or consolidation job needs another provider.
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
Finipay
Who it suits
- Adults in Spain with poor credit who need a modest sum quickly and would be turned down elsewhere, since poor is the level Finipay targets.
- Borrowers who want a fee-free set-up and a fast transfer, and who will read the representative example before choosing a term.
- People covering a car, a bill to consolidate or a home improvement, given personal, payday and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers with a strong file who want the cheapest rate: Monzo Flex holds its APR at 10% to 23%, well under the top of Finipay's 0% to 212%.
- Anyone who needs to borrow more than €300 to €5,000: Cashspace lists its rate in Philippine pesos at PHP 12 to PHP 36, so it is not a euro answer to a larger sum.
- Shoppers chasing an interest-free headline rate: Cashspace ES shows an APR of 0%, while Finipay's 0% to 212% is the band where a real rate is quoted.
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
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
Source, checked September 26, 2026
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 | Finipay | Wannacash |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finipay
Is there a fee for taking out a Finipay loan?+
No arrangement charge is added. The origination fee is 0 EUR, so the money you arrange does not shrink before it reaches you. What you pay is interest on the loan, and the size of that depends on the rate you are offered and the term you choose.
How much can I borrow, and for how long?+
Loans run €300 to €5,000, and terms run 3 to 60 months. That range is built for short and medium needs such as a repair, a car deposit or a bill to consolidate. It is not a route to a large renovation, because the ceiling is well below what the biggest lenders here arrange.
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.