Updated September 28, 2026 · BorrowCue Editorial Team
Oney Préstamos ES vs Wannacash ES
Where Oney Préstamos ES and Wannacash ES differ
| Compare |  Oney Préstamos ES |  Wannacash ES |
|---|---|---|
| Loan amount | €1,000 to €45,000Higher | €50 to €900 |
| Arrangement fee | 3% of financed capital (apertura) | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Decision within 48 h, then money sent to the account you choose | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Car, Student, BNPL | Personal, Payday, Credit line, Business, Student, Car, Secured |
| Term | Not confirmed | 1 month |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 3% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Oney Préstamos ES scores higher overall: 8.8 vs 8.3.
- Loan amount is higher at Oney Préstamos ES: €1,000 to €45,000 vs €50 to €900.
- Support channels: only Oney Préstamos ES offers Help centre.
- Support channels: only Wannacash ES offers Email.
- Loan types: only Oney Préstamos ES offers BNPL.
- Loan types: only Wannacash ES offers Payday, Credit line, Business.
Our verdict on each
Oney Préstamos ES
Oney Préstamos ES suits Spanish adults with a dated home project and an existing Oney account, who can borrow from a lower floor than new applicants. Borrowings run to €1,000 to €45,000, and the cost side is the trade-off: the lender itself, with free early repayment not on offer.
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 | Oney Préstamos ES | Wannacash ES |
|---|---|---|
| Cost | 8.3 | Not confirmed |
| Offer | 8.9Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 9.2Higher | 8.3 |
From lowest to highest
| Fact | Oney Préstamos ES | Wannacash ES |
|---|---|---|
| Loan amount | €1,000 to €45,000 | €50 to €900 |
How they place
| Ranking | Oney Préstamos ES | Wannacash ES |
|---|---|---|
| Personal loans | 1 of 1932 | 23 of 1932 |
| Car loans | 1 of 431 | 7 of 431 |
| Private student loans | 1 of 167 | 3 of 167 |
Every fact side by side
| Fact | Oney Préstamos ES | Wannacash ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) | 7eBiz International SL |
| Headquarters | Spain | Spain |
| Support channels | Help centre, Phone | Email, Phone |
Where each stands against the rest
| Fact | Oney Préstamos ES | Wannacash ES | Median |
|---|---|---|---|
| Loan amount | €1,000 to €45,000above the median | €50 to €900lowest quarter | €40,000 |
| Term | Not confirmed | 1 monthlowest quarter | 60 months |
| Origination fee (%) | 3%highest quarter | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Oney Préstamos ES
Pros
- The lender is named on the paperwork as Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324), a direct lender, so the counterparty is clear before you sign.
- Support runs on help centre and phone, pairing a phone line with a help centre.
- personal, car and student all sit under the same lender, so a car, student or buy now pay later need does not mean a new provider.
Cons
- Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not lower what you pay.
- New customers start from a higher floor, and the credit check is hard, so a thin first application can be turned down.
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
Oney Préstamos ES
Who it suits
- Existing Oney customers, who start from a lower borrowing floor than new applicants.
- Adults funding a home improvement project who can clear a hard credit check and accept an opening fee.
- Borrowers who want personal, car, student and buy now pay later lending from one licensed provider in Spain.
Who should look elsewhere
- New applicants wanting a small first loan, since the floor for new customers is higher and Cashspace ES lends €100 to €5,000.
- People whose project costs more than €1,000 to €45,000 covers, since Monzo Flex lends £10,000 to £35,000.
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
Oney Préstamos ES
Current offer
Bonus
5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent
Card purchase offer; conditions published by leroymerlin.es
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 | Oney Préstamos ES | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Oney Préstamos ES
What does a loan from here cost?+
Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate. Free early repayment is not offered either, and the site cost score for this brand is 1.7.
How quickly is the money sent?+
A decision comes through a short window, then the money is sent to the account you choose. That suits anyone working to a dated home project, and the borrowing range tops out at €1,000 to €45,000.
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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