Updated September 28, 2026 · BorrowCue Editorial Team
Prestamiau ES vs Wannacash
What sets them apart
| Compare |  Prestamiau ES | Wannacash ReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | 0% to 4,507% |
| Term | 3 to 6 months | 2 to 48 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges no commission or expenses |
| Funding time | 5 minutes | Same day; site states 1 minute to the account |
| Representative example | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% | Loan of 1,000 EUR over 24 months, total repayable 1,036.32 EUR, TAE 3.50% (Savso conditions) |
| Eligibility | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email | Adults of legal age accessing the site from Spain |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Loan amount | €100 to €5,000 | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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
- Prestamiau ES scores higher overall: 8.9 vs 8.8.
- Term is higher at Wannacash: 2 to 48 months vs 3 to 6 months.
- Support channels: only Prestamiau ES offers Help centre.
- Loan types: only Prestamiau ES offers Debt consolidation.
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.
Wannacash
Wannacash charges no commission, works with poor credit and puts money in the account the same day, which suits borrowers in Spain who need a small personal loan quickly. Rates run 0% to 4,507% across terms of 2 to 48, and the broker sits behind the named operator 7eBiz International SL (CIF B-76048818).
Score breakdown
| Area | Prestamiau ES | Wannacash |
|---|---|---|
| Cost | 9.9 | 9.9 |
| Offer | 8.5HigherAPR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. | 8.2 |
| Trust | 8.3 | 8.3 |
Where each is licensed and available
Available in 1 country for both.
Pick Prestamiau ES if, pick Wannacash if
Pick Prestamiau ES if offer and loan types matter most.
Pick Wannacash if term matter most.
Positions in our rankings
| Ranking | Prestamiau ES | Wannacash |
|---|---|---|
| Personal loans | 3 of 1932 | 22 of 1932 |
| Loans for bad credit | 4 of 275 | 13 of 275 |
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 6 months for Prestamiau ES and 2 to 48 months for Wannacash.
Sofkredit reviewEvery fact side by side
| Fact | Prestamiau ES | Wannacash |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | 7eBiz International SL (CIF B-76048818) |
| Headquarters | Estonia | Spain |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Prestamiau ES | Wannacash | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 4,507%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | Not confirmed | €40,000 |
| Term | 3 to 6 monthslowest quarter | 2 to 48 monthsbelow the median | 60 |
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.
Wannacash
Pros
- Charges no commission or expenses, so interest is the only cost of a Wannacash personal loan: 0 EUR - WannaCash charges no commission or expenses
- Funds the account the same day, quoting Same day; site states 1 minute to the account, in a market where only 82.9% of lenders offer same-day funding
- Works with poor credit, so a weak file is not ruled out at the application stage: poor
Cons
- Support runs on email only, with no phone or chat line listed for questions before or during a loan
- Wannacash is a broker rather than the lender, so 0% to 4,507% is a starting band and not a rate it sets itself
- The rate band is wide, running 0% to 4,507%, so the cheapest and the dearest offers sit far apart on the same page
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
Wannacash
Who it suits
- Adults of legal age in Spain who want a personal loan of 2 to 48 or less and the money in the account the same day
- Borrowers with poor credit who are comfortable with poor and want a broker to approach lenders on their behalf
- People who want to borrow without paying a commission or expenses, since 0 EUR - WannaCash charges no commission or expenses
Who should look elsewhere
- Anyone who wants to talk the numbers through by phone, since help runs on email only and a named provider such as Cashspace or Monzo Flex is the better place to start
- Applicants outside Spain, since the stated eligibility for the service is Adults of legal age accessing the site from Spain
- Anyone who wants a single named lender on a fixed published rate: Monzo Flex lists 10% to 23%, while Wannacash is a broker whose 0% to 4,507% band depends on the offer matched
Current offers
Wannacash
Current offer
First period offer
First loan at 0% interest, free of commissions: 0% interest
Subject to approval by the matching lender; total cost varies by lender, Wannacash states minimum TAE 0% and maximum TAE 4507%
Source, checked September 26, 2026
Country by country
| Country | Prestamiau ES | Wannacash |
|---|---|---|
| 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.
Wannacash
Does Wannacash charge any fees for arranging a loan?+
No. The stated fee is 0 EUR - WannaCash charges no commission or expenses, which covers commission and expenses alike, so there is nothing to pay for the introduction itself. Interest is the only cost carried by a borrower who goes ahead, and the rate that applies comes from the partner the application is matched to.
How quickly does the money arrive?+
Funding is the same day, and the site states Same day; site states 1 minute to the account for the transfer to the account. That makes it among the quicker routes in this market, where 82.9% of lenders offer same-day funding at all. The pace applies to the transfer, not to the approval decision.