Updated September 29, 2026 · BorrowCue Editorial Team
Quick Car Finance vs Wannacash ES
What sets them apart
| Compare |  Quick Car Finance |  Wannacash ES |
|---|---|---|
| Loan amount | £3,000 to £50,000 | €50 to €900 |
| Term | 12 to 60 monthsHigher | 1 month |
| Arrangement fee | 0 | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Soft prequal | None |
| Funding time | 1-3 working days | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | 18+, UK resident | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Car | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| APR | 9.9% to 60% | Not confirmed |
| Representative example | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | No | 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
- Quick Car Finance scores higher overall: 8.7 vs 8.3.
- Term is higher at Quick Car Finance: 12 to 60 months vs 1 month.
- Loan types: only Wannacash ES offers Personal, Payday, Credit line.
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.
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 | Quick Car Finance | Wannacash ES |
|---|---|---|
| Cost | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. | Not confirmed |
| Offer | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.6HigherBroker model of broker under licence 764855. | 8.3 |
Which one suits you
Pick Quick Car Finance if offer, trust, and term matter most.
Pick Wannacash ES if loan types matter most.
Licences and countries
| Country | Quick Car Finance | Wannacash ES |
|---|---|---|
| United Kingdom | Financial Conduct Authority 764855 | Not confirmed |
Additional countries for Quick Car Finance: 1. Additional countries for Wannacash ES: 1.
What we checked
Quick Car Finance
- quickcarfinance.co.uk: 14 facts, checked September 28, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Quick Car Finance | Wannacash ES |
|---|---|---|
| Loans for bad credit | 3 of 275 | 14 of 275 |
| Car loans | 2 of 431 | 7 of 431 |
Every fact side by side
| Fact | Quick Car Finance | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | 7eBiz International SL |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed | Email, Phone |
Where each stands against the rest
| Fact | Quick Car Finance | Wannacash ES | Median |
|---|---|---|---|
| APR | 9.9% to 60%above the median | Not confirmed | 8.99 |
| Term | 12 to 60 monthsat the median | 1 monthlowest quarter | 60 |
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%.
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
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%.
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 | Quick Car Finance | Wannacash ES |
|---|---|---|
| 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.
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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