Updated September 28, 2026 · BorrowCue Editorial Team
Finteres vs Wannacash ES
Where Finteres and Wannacash ES differ
| Compare |  Finteres |  Wannacash ES |
|---|---|---|
| Loan amount | €100 to €5,000Higher | €50 to €900 |
| Term | 3 to 4 monthsHigher | 1 month |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Soft prequal | None |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | 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, Car | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 0% to 36% | Not confirmed |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Finteres scores higher overall: 8.8 vs 8.3.
- Loan amount is higher at Finteres: €100 to €5,000 vs €50 to €900.
- Term is higher at Finteres: 3 to 4 months vs 1 month.
- Support channels: only Finteres offers Help centre.
- Loan types: only Finteres offers Debt consolidation.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
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.
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 | Finteres | Wannacash ES |
|---|---|---|
| Cost | 9.5Arrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. | Not confirmed |
| Offer | 8.7Higher | 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 |
How they place
| Ranking | Finteres | Wannacash ES |
|---|---|---|
| Personal loans | 27 of 1932 | 23 of 1932 |
| Payday and short-term loans | 12 of 246 | 8 of 246 |
| Loans for bad credit | 16 of 275 | 14 of 275 |
| Car loans | 9 of 431 | 7 of 431 |
Every fact side by side
| Fact | Finteres | Wannacash ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | 7eBiz International SL |
| Headquarters | Estonia | Spain |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Finteres | Wannacash ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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.
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
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.
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
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
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 | Finteres | Wannacash ES |
|---|---|---|
| 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.
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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