Updated September 29, 2026 · BorrowCue Editorial Team
Quick Car Finance vs Wannacash
Quick Car Finance vs Wannacash: the differences
| Compare |  Quick Car Finance | Wannacash ReviewVisitVisit |
|---|---|---|
| APR | 9.9% to 60% | 0% to 4,507%Lower |
| Term | 12 to 60 monthsHigher | 2 to 48 months |
| Arrangement fee | 0 | 0 EUR - WannaCash charges no commission or expenses |
| Funding time | 1-3 working days | Same day; site states 1 minute to the account |
| Representative example | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP | Loan of 1,000 EUR over 24 months, total repayable 1,036.32 EUR, TAE 3.50% (Savso conditions) |
| Eligibility | 18+, UK resident | Adults of legal age accessing the site from Spain |
| Loan types | Car | Personal |
| Loan amount | £3,000 to £50,000 | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | No | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Wannacash scores higher overall: 8.8 vs 8.7.
- APR is lower at Wannacash: 0% to 4,507% vs 9.9% to 60%.
- Term is higher at Quick Car Finance: 12 to 60 months vs 2 to 48 months.
- Loan types: only Quick Car Finance offers Car.
- Loan types: only Wannacash offers 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.
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 | Quick Car Finance | Wannacash |
|---|---|---|
| Cost | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. | 9.9Higher |
| Offer | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. | 8.2 |
| Trust | 8.6HigherBroker model of broker under licence 764855. | 8.3 |
Choosing between them
Pick Quick Car Finance if offer, trust, and term matter most.
Pick Wannacash if cost and apr matter most.
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Quick Car Finance
1,599.29 to 11,756.4
1,599.29 to 11,756.4
Wannacash
0 to 1,342,100
0 to 1,342,100
Wannacash comes out 1,599.29 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 28, 2026.
How they place
| Ranking | Quick Car Finance | Wannacash |
|---|---|---|
| Loans for bad credit | 3 of 275 | 13 of 275 |
Where these facts come from
Quick Car Finance
- quickcarfinance.co.uk: 14 facts, checked September 28, 2026
Wannacash
- wannacash.com: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Quick Car Finance | Wannacash |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | 7eBiz International SL (CIF B-76048818) |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed |
Where each stands against the rest
| Fact | Quick Car Finance | Wannacash | Median |
|---|---|---|---|
| APR | 9.9% to 60%above the median | 0% to 4,507%lowest quarter | 8.99 |
| Loan amount | £3,000 to £50,000at the median | Not confirmed | £50,000 |
| Term | 12 to 60 monthsat the median | 2 to 48 monthsbelow the median | 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
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
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
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 | Quick Car Finance | Wannacash |
|---|---|---|
| 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
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.