Updated September 29, 2026 · BorrowCue Editorial Team
Quick Car Finance vs Wandoo
Where Quick Car Finance and Wandoo differ
| Compare |  Quick Car Finance |  Wandoo |
|---|---|---|
| APR | 9.9% to 60%Lower | 4,530.48% to 8,385.16% |
| Loan amount | £3,000 to £50,000 | €50 to €1,800 |
| Term | 12 to 60 monthsHigher | 7 to 35 months |
| Arrangement fee | 0 | 0.00 EUR (no opening or study commission) |
| Credit check | Soft prequal | Hard |
| Funding time | 1-3 working days | 24-48 hours after approval, depending on the bank |
| Representative example | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Rate type | Fixed | Variable |
| Lender type | Broker | Direct lender |
| Eligibility | 18+, UK resident | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Car | Payday, Personal |
| Credit needed | Poor | Fair |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (No).
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Key differences
- APR is lower at Quick Car Finance: 9.9% to 60% vs 4,530.48% to 8,385.16%.
- Term is higher at Quick Car Finance: 12 to 60 months vs 7 to 35 months.
- Loan types: only Quick Car Finance offers Car.
- Loan types: only Wandoo offers Payday, Personal.
Our verdict on each
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
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 | Quick Car Finance | Wandoo |
|---|---|---|
| Cost | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. | 8.6HigherOrigination 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 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. | 8.8 |
| Trust | 8.6Broker model of broker under licence 764855. | 8.8Higher |
Feature by feature
| Loan types | Quick Car Finance | Wandoo |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Car | Yes | No |
Pick Quick Car Finance if, pick Wandoo if
Pick Quick Car Finance if offer, apr, and term matter most.
Pick Wandoo if cost matter most.
Ranges side by side
| Fact | Quick Car Finance | Wandoo |
|---|---|---|
| APR | 9.9% to 60% | 4,530.48% to 8,385.16% |
| Term | 12 to 60 months | 7 to 35 months |
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 9.9% to 60% for Quick Car Finance and 4,530.48% to 8,385.16% for Wandoo.
Prestamiau ES reviewHow they place
| Ranking | Quick Car Finance | Wandoo |
|---|---|---|
| Loans for bad credit | 3 of 275 | 15 of 275 |
Every fact side by side
| Fact | Quick Car Finance | Wandoo |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Not confirmed | Wandoo Finance S.L.U. |
| Headquarters | Not confirmed | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Quick Car Finance | Wandoo | Median |
|---|---|---|---|
| APR | 9.9% to 60%above the median | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 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
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
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 | Quick Car Finance | Wandoo |
|---|---|---|
| Spain | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.
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.