Updated September 28, 2026 · BorrowCue Editorial Team
LendKey vs Wannacash ES
What sets them apart
| Compare |  LendKey |  Wannacash ES |
|---|---|---|
| Loan amount | from $1,000 | €50 to €900 |
| Term | 60 to 180 monthsHigher | 1 month |
| Arrangement fee | 0 USD | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Funds sent directly to the school after certification, generally under 30 days | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Marketplace | Broker |
| Eligibility | Enrolled at least half-time in a degree-granting program at an eligible school; U.S. citizen or permanent resident; at least the age of majority; credit-based so a cosigner may be needed | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Student, Debt consolidation | Personal, Payday, Credit line, Business, Student, Car, Secured |
| Credit needed | Fair | Poor |
| APR | 2.09% to 15.54% | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- LendKey scores higher overall: 9.0 vs 8.3.
- Term is higher at LendKey: 60 to 180 months vs 1 month.
- Support channels: only LendKey offers Help centre.
- Loan types: only LendKey offers Debt consolidation.
- Loan types: only Wannacash ES offers Personal, Payday, Credit line.
Our verdict on each
LendKey
LendKey is a US private student loan marketplace for students and families covering a gap in study costs, and it suits borrowers whose own credit can carry a fixed rate. Offers are priced at 2.09% to 15.54% with terms of 60 to 180 months, and rates stay fixed for the life of the 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 | LendKey | Wannacash ES |
|---|---|---|
| Cost | 9.5Rates of 2.09% to 15.54% on fixed rate lending, with an origination fee of 0 USD and a percentage charge of 0%. | Not confirmed |
| Offer | 9.4Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.4Higher | 8.3 |
How they place
| Ranking | LendKey | Wannacash ES |
|---|---|---|
| Loans for bad credit | 54 of 275 | 14 of 275 |
| Private student loans | 9 of 167 | 3 of 167 |
Feature by feature
| Loan types | LendKey | Wannacash ES |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | Yes | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 60 to 180 months for LendKey and 1 month for Wannacash ES.
Sofkredit reviewSources behind this comparison
LendKey
- lendkey.com: 19 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | LendKey | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | LendKey Technologies, Inc. | 7eBiz International SL |
| Headquarters | United States | Spain |
| Founded | 2009 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | LendKey | Wannacash ES | Median |
|---|---|---|---|
| APR | 2.09% to 15.54%lowest quarter | Not confirmed | 8.99 |
| Term | 60 to 180 monthshighest quarter | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
LendKey
Pros
- A marketplace model puts partner lenders in competition for a single application.
- Both origination charges are 0 USD and 0%, so nothing is added upfront.
- Early repayment is free, so the balance can be cleared sooner than the term allows.
Cons
- A hard credit search runs at application, and a decline can leave a mark on the file.
- The minimum loan is from $1,000 and the term runs 60 to 180 months, so smaller needs still mean a long repayment stretch.
- Pricing is fixed rate only, so there is no variable-rate option for a cheaper start.
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
LendKey
Who it suits
- Students at eligible schools who can support a fixed rate with their own credit or a cosigner's.
- Parents and relatives acting as a cosigner when a student's own file is thin.
- Borrowers folding student debt into one balance, since student and debt consolidation covers consolidation.
Who should look elsewhere
- Not for euro borrowers: Creduma ES sets a floor of from €12,000, a separate currency and market.
- Not for Spanish borrowers: Sofkredit prices at 10.74% to 18.06% and lends outside the US system.
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
LendKey
Current offer
Discount code
0.25% autopay interest rate reduction on private student loans: 0.25% APR reduction
Enrol in automatic monthly payments from a checking or savings account with the lender; the reduction is removed and the rate raised by 0.25% on cancellation or failed collection
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 | LendKey | Wannacash ES |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
LendKey
What rate will I pay on a LendKey private student loan?+
Prices depend on your own credit, though published offers run at 2.09% to 15.54%. The rate type is fixed, so once a partner lender takes your application the figure holds across the term of 60 to 180 months rather than resetting as market rates move.
What fees are charged for taking out the loan?+
The origination fee is 0 USD and the percentage origination charge is 0%, so arranging the loan adds little. The cost to plan around is the interest on the balance you keep, which runs across a term of 60 to 180 months.
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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