Updated September 28, 2026 · BorrowCue Editorial Team
Ibancar Prestamos vs Wannacash ES
What sets them apart
| Compare |  Ibancar Prestamos |  Wannacash ES |
|---|---|---|
| Loan amount | €600 to €8,000Higher | €50 to €900 |
| Term | 12 to 60 monthsHigher | 1 month |
| Funding time | Same day, up to 24 hours | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Car, Secured | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| APR | 12.74% to 13.01% | Not confirmed |
| Arrangement fee | Not confirmed | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Not confirmed | None |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | Not confirmed |
| Rate type | Fixed | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.3.
- Loan amount is higher at Ibancar Prestamos: €600 to €8,000 vs €50 to €900.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 1 month.
- Support channels: only Ibancar Prestamos offers Help centre.
- Loan types: only Wannacash ES offers Payday, Credit line, Business.
Our verdict on each
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
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 | Ibancar Prestamos | Wannacash ES |
|---|---|---|
| Cost | 8.7 | Not confirmed |
| Offer | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 9.2Higher | 8.3 |
Pick Ibancar Prestamos if, pick Wannacash ES if
Pick Ibancar Prestamos if offer, trust, loan amount, and term matter most.
Pick Wannacash ES if loan types matter most.
Availability and regulation
Available in 1 country for both.
A third option
Sofkredit has term at 6 to 240 months, against 12 to 60 months for Ibancar Prestamos and 1 month for Wannacash ES.
Sofkredit reviewWhere these facts come from
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Ibancar Prestamos | Wannacash ES |
|---|---|---|
| Personal loans | 15 of 1932 | 23 of 1932 |
| Loans for bad credit | 10 of 275 | 14 of 275 |
| Secured loans | 2 of 472 | 3 of 472 |
| Car loans | 4 of 431 | 7 of 431 |
Every fact side by side
| Fact | Ibancar Prestamos | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Ibancar World SL | 7eBiz International SL |
| Headquarters | Spain | Spain |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Ibancar Prestamos | Wannacash ES | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | Not confirmed | 8.99 |
| Loan amount | €600 to €8,000below the median | €50 to €900lowest quarter | €40,000 |
| Term | 12 to 60 monthsat the median | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender 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
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 | Ibancar Prestamos | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
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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