Updated September 28, 2026 · BorrowCue Editorial Team
MoneyCat vs Wandoo
MoneyCat vs Wandoo: the differences
| Compare |  MoneyCat |  Wandoo |
|---|---|---|
| APR | 145%Lower | 4,530.48% to 8,385.16% |
| Loan amount | ₱500 to ₱20,000 | €50 to €1,800 |
| Term | 65 to 180 monthsHigher | 7 to 35 months |
| Arrangement fee | First-time borrower 0 PHP processing fee; grace period fee 77 PHP | 0.00 EUR (no opening or study commission) |
| Funding time | 5 minutes after approval, up to 6 PM on the following banking day | 24-48 hours after approval, depending on the bank |
| Free early repayment | YesHas it | No |
| Eligibility | 22-60 years old, Filipino citizens residing in the Philippines, employed individuals and selected professionals | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Representative example | Not confirmed | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Loan types (Personal, Payday).
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Key differences
- MoneyCat scores higher overall: 9.0 vs 8.7.
- APR is lower at MoneyCat: 145% vs 4,530.48% to 8,385.16%.
- Free early repayment: only MoneyCat.
- Term is higher at MoneyCat: 65 to 180 months vs 7 to 35 months.
Our verdict on each
MoneyCat
MoneyCat lends directly in the Philippines to employed adults and selected professionals, and it suits anyone who needs a small personal or payday loan turned around fast. Borrowing costs more here than on most of the market, with an APR of 145% against a site median of 12%.
Wandoo
Wandoo suits borrowers in Spain who want a small, short loan with no opening or study commission. The catch is the rate: an APR of 4,530.48% to 8,385.16% sits well above the personal loan median of 12.25%, and early repayment carries a charge.
Score breakdown
| Area | MoneyCat | Wandoo |
|---|---|---|
| Cost | 8.6 | 8.6Origination fee of 0.00 EUR (no opening or study commission) and no free early repayment, against an APR of 4,530.48% to 8,385.16%. |
| Offer | 9.0Higher | 8.8 |
| Trust | 9.2Higher | 8.8 |
How they place
| Ranking | MoneyCat | Wandoo |
|---|---|---|
| Personal loans | 731 of 1920 | 26 of 1920 |
| Payday and short-term loans | 131 of 247 | 11 of 247 |
Ranges side by side
| Fact | MoneyCat | Wandoo |
|---|---|---|
| Term | 65 to 180 months | 7 to 35 months |
Also worth a look
Sofkredit has apr at 10.74% to 18.06%, against 145% for MoneyCat and 4,530.48% to 8,385.16% for Wandoo.
Sofkredit reviewEvery fact side by side
| Fact | MoneyCat | Wandoo |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | MoneyCat Financing Inc. | Wandoo Finance S.L.U. |
| Headquarters | Philippines | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | MoneyCat | Wandoo | Median |
|---|---|---|---|
| APR | 145%highest quarter | 4,530.48% to 8,385.16%highest quarter | 8.99% |
| Term | 65 to 180 monthshighest quarter | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
MoneyCat
Pros
- As a direct lender, the money comes from MoneyCat Financing Inc. itself rather than a third party.
- Same-day funding: same day funding, with money released within minutes of approval or by the following banking day.
- Early repayment is free, and a first-time borrower pays no processing fee.
Cons
- The 145% rate leaves MoneyCat ranked 330 of 350 brands on APR, so cost is the price of the speed.
- hard credit checks run on every application, so a decline still shows on your credit record.
- A grace period fee applies, so a covered payment costs extra even though processing is free for a first-time borrower.
Wandoo
Pros
- No opening or study commission, with an origination fee of 0.00 EUR (no opening or study commission) on the payday and personal loans.
- Repayment follows the income cycle: €50 to €1,800 over 7 to 35, which suits a bill that clears next month rather than a multi year plan.
- Fixed monthly cost from a direct lender, direct lender, so the terms sit with one counterparty instead of a broker chain.
Cons
- The APR of 4,530.48% to 8,385.16% is far above the payday loan median of 36.5%, and the top of the range reaches 4,530.48% to 8,385.16%.
- Free early repayment is no, so clearing the loan early still carries a charge.
- The amount ceiling of €50 to €1,800 is small next to the home improvement median of €1,000, so a large renovation needs another lender.
Who each suits
MoneyCat
Who it suits
- Employed adults and selected professionals who are Filipino citizens residing in the Philippines.
- Borrowers who need a small personal or payday loan and can clear a hard credit check.
- Anyone who can settle early, since 65 to 180 repayments need not all run their full course.
Who should look elsewhere
- Cost-first borrowers: Monzo Flex lends at 10% to 23%, well below the 145% here.
- Anyone after interest-free terms: Cashspace ES lists 0%.
- Borrowers needing a larger sum or longer term than PHP 500 to PHP 20,000 and 65 to 180 allow.
Wandoo
Who it suits
- Adults resident in Spain with a valid DNI/NIE, a Spanish bank account and verifiable regular income.
- Borrowers covering a short term expense, home improvement is the stated use.
- People whose credit file stands at a fair level and who can handle a hard credit check.
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is no.
- Borrowers needing a long repayment period, as 7 to 35 is short.
- Readers comparing against Monzo Flex, where an APR of 10% to 23% sits far below 4,530.48% to 8,385.16%.
Current offers
MoneyCat
Current offer
First period offer
First loan for FREE: 0% interest, 0 PHP processing fee
First loan for first-time borrowers; 0% interest and no processing fee, advertised on the loan calculator
Source, checked September 26, 2026
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
Source, checked September 26, 2026
Country by country
| Country | MoneyCat | Wandoo |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
MoneyCat
What rate does MoneyCat charge?+
The stated APR is 145%, which is high next to a site median of 12%. The rate applies to the personal and payday loans alike, so cost is the main thing to weigh before applying. Borrow for as short a time as possible, since interest builds on the balance outstanding.
How much can I borrow, and over what term?+
Loan amounts run PHP 500 to PHP 20,000, and repayment terms run 65 to 180. That range suits a shortfall or an emergency rather than a major purchase, a car or a home. A longer term spreads the payments but keeps the interest running, so the total cost depends as much on the term you pick as on the rate.
Wandoo
What does a Wandoo loan cost?+
The published APR is 4,530.48% to 8,385.16% and the rate is variable. There is no opening or study commission, the origination fee being 0.00 EUR (no opening or study commission), so the interest rate does most of the work in setting what you repay. The representative example shows the annual cost clearly once the short term is taken into account.
Are there arrangement or opening fees?+
The origination fee is 0.00 EUR (no opening or study commission), and there is no opening or study commission on the payday or personal loans. Interest on the amount borrowed is the main cost, and the rate is variable, so it can move with the reference rate.
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