Updated September 28, 2026 · BorrowCue Editorial Team
Lendela vs Wannacash ES
Lendela vs Wannacash ES: the differences
| Compare |  Lendela |  Wannacash ES |
|---|---|---|
| Loan amount | SGD 1,000 to SGD 200,000 | €50 to €900 |
| Term | 3 to 72 monthsHigher | 1 month |
| Arrangement fee | SGD 0 | 0 EUR - WannaCash charges the applicant nothing |
| Funding time | Around 1-2 days from application to disbursement; some within hours | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Marketplace | Broker |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Personal, Payday, Credit line, Business, Student, Car, Secured |
| Credit needed | Fair | Poor |
| APR | up to 48% | Not confirmed |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (None).
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Key differences
- Lendela scores higher overall: 8.5 vs 8.3.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 1 month.
- Support channels: only Lendela offers Help centre.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Debt consolidation.
- Loan types: only Wannacash ES offers Payday, Credit line, Car.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
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 | Lendela | Wannacash ES |
|---|---|---|
| Offer | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.2 | 8.3Higher |
Availability and regulation
Additional countries for Lendela: 2. Additional countries for Wannacash ES: 1.
Where they rank in our lists
| Ranking | Lendela | Wannacash ES |
|---|---|---|
| Personal loans | 74 of 1932 | 23 of 1932 |
| Loans for bad credit | 42 of 275 | 14 of 275 |
| Secured loans | 12 of 472 | 3 of 472 |
| Business loans | 10 of 435 | 4 of 435 |
| Private student loans | 6 of 167 | 3 of 167 |
Every fact side by side
| Fact | Lendela | Wannacash ES |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Lendela Pte. Ltd. | 7eBiz International SL |
| Headquarters | Singapore | Spain |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Mortgages
| Fact | Lendela | Wannacash ES |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendela | Wannacash ES | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | Not confirmed | 8.99 |
| Term | 3 to 72 monthsabove the median | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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 | Lendela | Wannacash ES |
|---|---|---|
| Hong Kong | Yes | No |
| Singapore | Yes | No |
| Spain | No | Yes |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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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