Updated September 28, 2026 · BorrowCue Editorial Team
Finmercado vs Wannacash ES
Where Finmercado and Wannacash ES differ
| Compare |  Finmercado |  Wannacash ES |
|---|---|---|
| Loan amount | MX$500 to MX$200,000 | €50 to €900 |
| Term | 2 to 12 monthsHigher | 1 month |
| Arrangement fee | 0 MXN | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Soft prequal | None |
| Funding time | Online application in about 5 minutes; partner lenders answer in minutes and deposit goes to the customer's bank account | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Marketplace | Broker |
| Eligibility | Mexico only, accredited Mexican lending partners; partner lenders accept from 18 years (some 21+); INE and an active bank account required | 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, Secured, Business, Debt consolidation, Student | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | from 677.47% | Not confirmed |
| Representative example | Personal loan of MXN 2,000 over 6 quincenas, 6 payments of MXN 647, total to pay MXN 3,882; monthly interest rate 28% to 49.50% (without VAT), informative CAT from 677.47% | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: 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
- Finmercado scores higher overall: 8.5 vs 8.3.
- Term is higher at Finmercado: 2 to 12 months vs 1 month.
- Support channels: only Finmercado offers Chat, Help centre, Community.
- Support channels: only Wannacash ES offers Phone.
- Loan types: only Finmercado offers Debt consolidation.
- Loan types: only Wannacash ES offers Credit line, Car.
Our verdict on each
Finmercado
Finmercado suits Mexican borrowers who need a small personal loan in the bank account the same day, with a soft prequalification and no origination fee. The trade-off is cost, with an informative CAT starting at from 677.47% and a short term, so this is a bridge rather than long-term credit.
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 | Finmercado | Wannacash ES |
|---|---|---|
| Cost | 8.8Cost rests on the rate: the informative CAT starts at from 677.47%, with terms of 2 to 12 keeping balances short. | Not confirmed |
| Offer | 8.8Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.1 | 8.3Higher |
Positions in our rankings
| Ranking | Finmercado | Wannacash ES |
|---|---|---|
| Personal loans | 40 of 1932 | 23 of 1932 |
| Payday and short-term loans | 19 of 246 | 8 of 246 |
| Loans for bad credit | 27 of 275 | 14 of 275 |
| Secured loans | 7 of 472 | 3 of 472 |
| Business loans | 6 of 435 | 4 of 435 |
| Private student loans | 4 of 167 | 3 of 167 |
Feature by feature
| Loan types | Finmercado | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | Yes | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
| Student | Yes | Yes |
A third option
Sofkredit has term at 6 to 240 months, against 2 to 12 months for Finmercado and 1 month for Wannacash ES.
Sofkredit reviewWhat we checked
Finmercado
- finmercado.mx: 17 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Finmercado | Wannacash ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA JEFF | 7eBiz International SL |
| Headquarters | Mexico | Spain |
| Support channels | Email, Chat, Help centre, Community | Email, Phone |
Where each stands against the rest
| Fact | Finmercado | Wannacash ES | Median |
|---|---|---|---|
| APR | from 677.47%highest quarter | Not confirmed | 8.99 |
| Term | 2 to 12 monthslowest quarter | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Finmercado
Pros
- No fee for taking out a personal loan, since the origination fee is 0 MXN
- same day funding is offered and the deposit goes straight to your bank account
- The online application takes a few minutes, and partner lenders answer in minutes
Cons
- Fees are not the problem, interest is: from 677.47% is an informative rate and the representative example shows a total repayable well above the amount borrowed
- Terms run 2 to 12, so a larger balance has to be cleared quickly
- Support runs on email, chat and help centre only, with no phone line
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
Finmercado
Who it suits
- Mexican residents with an INE and an active bank account who need a personal loan quickly
- Borrowers with poor credit who want a soft prequal check before a full application
- Anyone covering home improvement without paying an origination fee of 0 MXN
Who should look elsewhere
- Borrowers who can clear a mainstream credit test, since Monzo Flex quotes 10% to 23% against the from 677.47% Finmercado starts at
- Anyone needing a repayment window longer than 2 to 12
- Readers who want to talk a lender through by phone, since support runs on email, chat and help centre
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 | Finmercado | Wannacash ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
Finmercado
How much does borrowing from Finmercado cost?+
The informative CAT starts at from 677.47% and the origination fee is 0 MXN, so nothing is charged for setting the loan up. The representative example shows where the cost really sits: a small personal loan repaid over a short run of fortnightly payments, with a monthly interest rate quoted before VAT and a total repayable well above the amount borrowed.
Is there an arrangement fee to pay?+
The origination fee is 0 MXN, and no percentage charge sits on top because that figure is 0%. The whole cost therefore falls on the interest, which means the rate offered and the length of the term decide the bill rather than the setup.
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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