Updated September 28, 2026 · BorrowCue Editorial Team
Pezetita vs Wannacash ES
What sets them apart
| Compare |  Pezetita |  Wannacash ES |
|---|---|---|
| Loan amount | €100 to €5,000Higher | €50 to €900 |
| Term | 3 to 4 monthsHigher | 1 month |
| Arrangement fee | 0 EUR (no loan selection fee charged) | 0 EUR - WannaCash charges the applicant nothing |
| Funding time | Money transferred shortly after lender approval, within minutes | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Payday, Debt consolidation | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 0% to 36% | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Broker).
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Key differences
- Pezetita scores higher overall: 8.8 vs 8.3.
- Loan amount is higher at Pezetita: €100 to €5,000 vs €50 to €900.
- Term is higher at Pezetita: 3 to 4 months vs 1 month.
- Support channels: only Pezetita offers Help centre.
- Support channels: only Wannacash ES offers Phone.
- Loan types: only Pezetita offers Debt consolidation.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
Pezetita
Pezetita suits adults in Spain who need a small short-term loan paid out quickly, with borrowing of €100 to €5,000 over 3 to 4. The catch is that it works as a broker, so a partner lender sets the final terms.
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 | Pezetita | Wannacash ES |
|---|---|---|
| Cost | 9.7The 0 EUR (no loan selection fee charged) and an APR band of 0% to 36% keep costs at the market floor. | Not confirmed |
| Offer | 8.5Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Pezetita | Wannacash ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €50 to €900 |
What each covers
| Loan types | Pezetita | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
Availability and regulation
Available in 1 country for both.
Also worth a look
Oney Préstamos ES has loan amount at €1,000 to €45,000, against €100 to €5,000 for Pezetita and €50 to €900 for Wannacash ES.
Oney Préstamos ES reviewHow they place
| Ranking | Pezetita | Wannacash ES |
|---|---|---|
| Personal loans | 17 of 1932 | 23 of 1932 |
| Payday and short-term loans | 5 of 246 | 8 of 246 |
Every fact side by side
| Fact | Pezetita | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ (registry number 14523902, VAT ID EE102112841) | 7eBiz International SL |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centre | Email, Phone |
Where each stands against the rest
| Fact | Pezetita | Wannacash ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Pezetita
Pros
- Nothing to pay for taking the loan out: 0 EUR (no loan selection fee charged).
- Fast payout, with same day funding and a transfer within minutes of a lender decision.
- Fixed pricing on fixed loans, so the repayment schedule holds for the whole 3 to 4.
Cons
- It is a broker (broker), so the lender you are matched with sets the final price, not the site you apply through.
- The window is short at 3 to 4, so a larger balance has little room to spread.
- The upper end of 0% to 36% sits well above the market median of 12%, so the headline band flatters the cheaper offers.
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
Pezetita
Who it suits
- Adults resident in Spain who hold a DNI or NIE, can show proof of income and keep a bank account open.
- Borrowers who need money within minutes of a lender decision rather than a waiting period.
- People who prefer a fixed rate and a fee of 0 EUR (no loan selection fee charged) on a short loan.
Who should look elsewhere
- Monzo Flex, if you want years to repay: its APR band of 10% to 23% suits a longer schedule than Pezetita's 3 to 4.
- Cashspace, if your budget needs room to breathe, since Pezetita caps the term at 3 to 4.
- Cashspace ES, if you want the lowest headline rate first, because its 0% undercuts the upper end of Pezetita's 0% to 36% band.
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
Pezetita
Current offer
First period offer
First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days
New customers only; the interest rate and overpayment amount may change after completing the questionnaire
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 | Pezetita | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Pezetita
What does it cost to borrow from Pezetita?+
Pezetita prices loans on a fixed basis, with an APR band of 0% to 36%. The 0 EUR (no loan selection fee charged) means no loan selection or origination charge is added to the borrow. The published example shows a short loan repaid with nothing added to the amount lent, so the total repayable matches the sum you borrowed.
Is there an arrangement or selection fee?+
The origination fee is 0 EUR (no loan selection fee charged), and the percentage fee is 0%, so nothing is taken for choosing or setting the loan up. Cost comes from the interest side instead, which is why the APR band of 0% to 36% is the number to read closely before you apply.
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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