Updated September 28, 2026 · BorrowCue Editorial Team
Ibancar Prestamos vs Wannacash
Ibancar Prestamos vs Wannacash: the differences
| Compare |  Ibancar Prestamos | Wannacash ReviewVisitVisit |
|---|---|---|
| APR | 12.74% to 13.01% | 0% to 4,507%Lower |
| Term | 12 to 60 monthsHigher | 2 to 48 months |
| Funding time | Same day, up to 24 hours | Same day; site states 1 minute to the account |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | Loan of 1,000 EUR over 24 months, total repayable 1,036.32 EUR, TAE 3.50% (Savso conditions) |
| 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 | Adults of legal age accessing the site from Spain |
| Loan types | Personal, Car, SecuredCovers more | Personal |
| Loan amount | €600 to €8,000 | Not confirmed |
| Arrangement fee | Not confirmed | 0 EUR - WannaCash charges no commission or expenses |
| 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 8.8.
- APR is lower at Wannacash: 0% to 4,507% vs 12.74% to 13.01%.
- Term is higher at Ibancar Prestamos: 12 to 60 months vs 2 to 48 months.
- Support channels: only Ibancar Prestamos offers Phone, Help centre.
- Loan types: only Ibancar Prestamos offers Car, Secured.
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
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 | Ibancar Prestamos | Wannacash |
|---|---|---|
| Cost | 8.7 | 9.9Higher |
| 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. | 8.2 |
| Trust | 9.2Higher | 8.3 |
Feature by feature
| Loan types | Ibancar Prestamos | Wannacash |
|---|---|---|
| Personal | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | No |
What we checked
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
Wannacash
- wannacash.com: 13 facts, checked September 26, 2026
How they place
| Ranking | Ibancar Prestamos | Wannacash |
|---|---|---|
| Personal loans | 15 of 1932 | 22 of 1932 |
| Loans for bad credit | 10 of 275 | 13 of 275 |
Every fact side by side
| Fact | Ibancar Prestamos | Wannacash |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Ibancar World SL | 7eBiz International SL (CIF B-76048818) |
| Headquarters | Spain | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Ibancar Prestamos | Wannacash | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | 0% to 4,507%lowest quarter | 8.99 |
| Loan amount | €600 to €8,000below the median | Not confirmed | €40,000 |
| Term | 12 to 60 monthsat the median | 2 to 48 monthsbelow the median | 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
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
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
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
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 | Ibancar Prestamos | Wannacash |
|---|---|---|
| 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
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.
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