Updated September 28, 2026 · BorrowCue Editorial Team
Nazivnost vs Wannacash ES
Nazivnost vs Wannacash ES: the differences
| Compare |  Nazivnost |  Wannacash ES |
|---|---|---|
| Loan amount | CZK 5,000 to CZK 200,000 | €50 to €900 |
| Term | 2 to 12 monthsHigher | 1 month |
| Arrangement fee | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Within minutes of approval, at latest the next day | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Business, Payday | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| Credit needed | Fair | Poor |
| APR | 0.037% to 30,341% | Not confirmed |
| Representative example | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0.05% | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Nazivnost scores higher overall: 9.0 vs 8.3.
- Term is higher at Nazivnost: 2 to 12 months vs 1 month.
- Support channels: only Nazivnost offers Help centre.
- Loan types: only Wannacash ES offers Personal, Credit line, Student.
Our verdict on each
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
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 | Nazivnost | Wannacash ES |
|---|---|---|
| Cost | 9.3Rates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. | Not confirmed |
| Offer | 8.7Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.8Higher | 8.3 |
Side by side, item by item
| Loan types | Nazivnost | Wannacash ES |
|---|---|---|
| Personal | No | Yes |
| Payday | Yes | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
| Student | No | Yes |
Where they rank in our lists
| Ranking | Nazivnost | Wannacash ES |
|---|---|---|
| Payday and short-term loans | 38 of 246 | 8 of 246 |
| Loans for bad credit | 57 of 275 | 14 of 275 |
| Business loans | 13 of 435 | 4 of 435 |
Every fact side by side
| Fact | Nazivnost | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | CreditKasa s.r.o. (IČO 048 23 541) | 7eBiz International SL |
| Headquarters | Czechia | Spain |
| Founded | 2016 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Nazivnost | Wannacash ES | Median |
|---|---|---|---|
| APR | 0.037% to 30,341%lowest quarter | Not confirmed | 8.99 |
| Term | 2 to 12 monthslowest quarter | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0.05%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
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
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
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 | Nazivnost | Wannacash ES |
|---|---|---|
| Czechia | Yes | No |
| Spain | No | Yes |
Questions about each
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.
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.
Other options to compare
Other matchups
- Wannacash ES vs Arab Islamic Bank
- Wannacash ES vs Oney Préstamos ES
- Nazivnost vs Sofkredit
- Wannacash ES vs Quick Car Finance
- Wannacash ES vs Prestamiau ES
- Wannacash ES vs Fidea
- Nazivnost vs 5in5
- Nazivnost vs Qonto ES
- Wannacash ES vs Fiesta Credito MX
- Wannacash ES vs Me Presta MX
- Nazivnost vs Lendela
- Wannacash ES vs Creditio
- Nazivnost vs BriteCap Financial
- Wannacash ES vs Alt Lending
- Wannacash ES vs Consumers Credit Union
- Nazivnost vs Smartney
- Wannacash ES vs LEND.ch
- Wannacash ES vs Cool Credit
- Wannacash ES vs Moneyveo VN