Updated September 28, 2026 · BorrowCue Editorial Team
Finteres vs Wandoo
What sets them apart
| Compare |  Finteres |  Wandoo |
|---|---|---|
| APR | 0% to 36%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000Higher | €50 to €1,800 |
| Term | 3 to 4 months | 7 to 35 monthsHigher |
| Arrangement fee | 0 EUR | 0.00 EUR (no opening or study commission) |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | 24-48 hours after approval, depending on the bank |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Payday, Personal |
| Credit needed | Poor | Fair |
| Rate type | Not confirmed | Variable |
| Use cases | Not confirmed | Home improvement |
Same on both: Origination fee (%) (0%).
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
- Finteres scores higher overall: 8.8 vs 8.7.
- APR is lower at Finteres: 0% to 36% vs 4,530.48% to 8,385.16%.
- Free early repayment: only Finteres.
- Loan amount is higher at Finteres: €100 to €5,000 vs €50 to €1,800.
- Term is higher at Wandoo: 7 to 35 months vs 3 to 4 months.
- Loan types: only Finteres offers Debt consolidation, Car.
Our verdict on each
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
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 | Finteres | Wandoo |
|---|---|---|
| Cost | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. | 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 | 8.7 | 8.8Higher |
| Trust | 8.3 | 8.8Higher |
Ranges side by side
| Fact | Finteres | Wandoo |
|---|---|---|
| APR | 0% to 36% | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000 | €50 to €1,800 |
| Term | 3 to 4 months | 7 to 35 months |
Choosing between them
Pick Finteres if cost, apr, loan amount, and free early repayment matter most.
Pick Wandoo if trust and term matter most.
How they place
| Ranking | Finteres | Wandoo |
|---|---|---|
| Personal loans | 27 of 1932 | 26 of 1932 |
| Payday and short-term loans | 12 of 246 | 11 of 246 |
| Loans for bad credit | 16 of 275 | 15 of 275 |
Feature by feature
| Loan types | Finteres | Wandoo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | No |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Finteres and 4,530.48% to 8,385.16% for Wandoo.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Finteres | Wandoo |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ | Wandoo Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Finteres | Wandoo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €1,800lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
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
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
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
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
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 | Finteres | Wandoo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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.