Updated September 28, 2026 · BorrowCue Editorial Team
Prestalo vs Wannacash ES
Where Prestalo and Wannacash ES differ
| Compare |  Prestalo |  Wannacash ES |
|---|---|---|
| Loan amount | €500 to €100,000Higher | €50 to €900 |
| Term | 1 to 120 monthsHigher | 1 month |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Money transferred to your bank account, normally within 24 to 48 hours | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income | 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, Car, Debt consolidation, Secured | Personal, Payday, Credit line, Business, Student, Car, Secured |
| Credit needed | Good | Poor |
| APR | 4.1% to 30% | Not confirmed |
| Representative example | EUR 5,000 loan repaid over 60 months, fixed annual interest 6.11%, TAE 6.28%, monthly payment 96.62 EUR, no opening or early-repayment fee, total repayable 5,815.20 EUR | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- Prestalo scores higher overall: 8.8 vs 8.3.
- Loan amount is higher at Prestalo: €500 to €100,000 vs €50 to €900.
- Term is higher at Prestalo: 1 to 120 months vs 1 month.
- Support channels: only Prestalo offers Chat, Help centre.
- Loan types: only Prestalo offers Debt consolidation.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
Prestalo
Prestalo suits Spanish residents who want one broker covering personal and mortgage borrowing, with personal loan APR of 4.1% to 30% and no arrangement fee.
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 | Prestalo | Wannacash ES |
|---|---|---|
| Cost | 9.4 | Not confirmed |
| Offer | 9.0HigherPersonal loans at 4.1% to 30% with arrangement fee 0 EUR and free early repayment, plus a mortgage at 2.36% and APRC 2.97%. | 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 |
Where each is licensed and available
| Country | Prestalo | Wannacash ES |
|---|---|---|
| Spain | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda | Not confirmed |
Available in 1 country for both.
How they place
| Ranking | Prestalo | Wannacash ES |
|---|---|---|
| Personal loans | 60 of 1932 | 23 of 1932 |
| Payday and short-term loans | 30 of 246 | 8 of 246 |
| Secured loans | 9 of 472 | 3 of 472 |
| Car loans | 16 of 431 | 7 of 431 |
Every fact side by side
| Fact | Prestalo | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | PRESTALO ONLINE, S.L. | 7eBiz International SL |
| Headquarters | Spain | Spain |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone |
Mortgages
| Fact | Prestalo | Wannacash ES |
|---|---|---|
| Initial rate | 2.36% | Not confirmed |
| APRC | 2.97% | Not confirmed |
| Fixed period | 25 years | Not confirmed |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Prestalo | Wannacash ES | Median |
|---|---|---|---|
| APR | 4.1% to 30%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €500 to €100,000highest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 1 to 120 monthshighest quarter | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Prestalo
Pros
- Personal loan APR runs 4.1% to 30% with arrangement fee 0 EUR, so the headline cost is the interest and nothing else.
- Free early repayment means clearing the balance early costs nothing, which suits anyone whose income may rise.
- Rate type is fixed and the model is fixed rate, so the monthly payment does not move when base rates shift.
Cons
- Credit check is hard and the credit needed is good, which rules out anyone with a thin or damaged credit file.
- Lender kind is broker, so the lender you end up with is chosen by a third party rather than by you.
- APR of 4.1% to 30% spans from below the personal loan median of 12% to well above it, so the rate you are offered depends heavily on your file.
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
Prestalo
Who it suits
- Adults in Spain with a good credit file and stable income who want a fixed-rate personal loan with no arrangement fee.
- Borrowers taking out a mortgage through a broker at an initial rate of 2.36% and APRC 2.97% with no product fee.
- People who expect to clear the loan early and value free early repayment.
Who should look elsewhere
- Anyone needing a variable-rate loan, since the rate type is fixed and the mortgage runs fixed for 25.
- Borrowers with a poor credit history, given the hard credit check and the good credit requirement.
- Shoppers who want to pick the lender directly, since Prestalo works as broker.
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 | Prestalo | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Prestalo
What APR does Prestalo charge on a personal loan?+
Personal loan APR is 4.1% to 30%, which covers the full cost of the credit as a single yearly rate. The arrangement fee is 0 EUR, so there is nothing on top of that figure to add separately. The rate is fixed, so the monthly payment holds steady for the whole term.
Is there any fee to open or repay a Prestalo loan early?+
The arrangement fee is 0 EUR and early repayment is free, so clearing the balance ahead of schedule carries no charge. The mortgage product fee is €0 as well. Together these mean your exit options stay open on both the personal loan and the mortgage.
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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