Updated September 28, 2026 · BorrowCue Editorial Team
Prestamiau ES vs Wandoo
Where Prestamiau ES and Wandoo differ
| Compare |  Prestamiau ES |  Wandoo |
|---|---|---|
| APR | 0% to 36%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000Higher | €50 to €1,800 |
| Term | 3 to 6 months | 7 to 35 monthsHigher |
| Arrangement fee | 0 EUR | 0.00 EUR (no opening or study commission) |
| Funding time | 5 minutes | 24-48 hours after approval, depending on the bank |
| Representative example | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Personal, Debt consolidation | Payday, Personal |
| Credit needed | Poor | Fair |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Use cases (Home improvement).
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Key differences
- Prestamiau ES scores higher overall: 8.9 vs 8.7.
- APR is lower at Prestamiau ES: 0% to 36% vs 4,530.48% to 8,385.16%.
- Loan amount is higher at Prestamiau ES: €100 to €5,000 vs €50 to €1,800.
- Term is higher at Wandoo: 7 to 35 months vs 3 to 6 months.
- Support channels: only Wandoo offers Phone.
- Loan types: only Prestamiau ES offers Debt consolidation.
- Loan types: only Wandoo offers Payday.
Our verdict on each
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
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 | Prestamiau ES | Wandoo |
|---|---|---|
| Cost | 9.9Higher | 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 | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. | 8.8Higher |
| Trust | 8.3 | 8.8Higher |
Availability and regulation
Available in 1 country for both.
Ranges side by side
| Fact | Prestamiau ES | Wandoo |
|---|---|---|
| APR | 0% to 36% | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000 | €50 to €1,800 |
| Term | 3 to 6 months | 7 to 35 months |
Where they rank in our lists
| Ranking | Prestamiau ES | Wandoo |
|---|---|---|
| Personal loans | 3 of 1932 | 26 of 1932 |
| Loans for bad credit | 4 of 275 | 15 of 275 |
| Home improvement loans | 3 of 562 | 12 of 562 |
What each covers
| Loan types | Prestamiau ES | Wandoo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Use cases | Prestamiau ES | Wandoo |
|---|---|---|
| Home improvement | Yes | Yes |
Every fact side by side
| Fact | Prestamiau ES | Wandoo |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OU | Wandoo Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Prestamiau ES | Wandoo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €1,800lowest quarter | €40,000 |
| Term | 3 to 6 monthslowest quarter | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
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
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
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
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 | Prestamiau ES | Wandoo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.
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.