Updated September 28, 2026 · BorrowCue Editorial Team
Smartney vs Wannacash ES
Smartney vs Wannacash ES: the differences
| Compare |  Smartney |  Wannacash ES |
|---|---|---|
| Loan amount | PLN 1,000 to PLN 150,000 | €50 to €900 |
| Term | 4 to 120 monthsHigher | 1 month |
| Arrangement fee | Prowizja (commission) for granting and servicing the loan, charged with interest; e.g. 7,888.64 PLN on the 34,676.56 PLN cash loan example, 0 PLN in the current 0 PLN commission promotion | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Ages 21-70 holding a bank account in Poland | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Debt consolidation, Car, Business | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 17.11% to 36.19% | Not confirmed |
| Representative example | Cash loan DaSię Teraz: RRSO 36.19% on 8,553.12 PLN over 37 instalments of 357.64 PLN, total repayable 13,596.49 PLN | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Smartney scores higher overall: 9.0 vs 8.3.
- Term is higher at Smartney: 4 to 120 months vs 1 month.
- Support channels: only Smartney offers Help centre.
- Loan types: only Smartney offers Debt consolidation.
- Loan types: only Wannacash ES offers Payday, Credit line, Student.
Our verdict on each
Smartney
Smartney is a Polish direct lender whose speed and wide term choice suit borrowers who need cash quickly and can clear a hard credit check. Costs sit at the high end: a variable rate, and a representative example at the top of the 17.11% to 36.19% range.
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 | Smartney | Wannacash ES |
|---|---|---|
| Cost | 8.9 | Not confirmed |
| Offer | 8.9HigherDirect lender: 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, terms of 4 to 120. | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 9.2Higher | 8.3 |
How they place
| Ranking | Smartney | Wannacash ES |
|---|---|---|
| Personal loans | 106 of 1932 | 23 of 1932 |
| Car loans | 27 of 431 | 7 of 431 |
| Business loans | 14 of 435 | 4 of 435 |
Side by side, item by item
| Loan types | Smartney | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | No | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 4 to 120 months for Smartney and 1 month for Wannacash ES.
Sofkredit reviewSources behind this comparison
Smartney
- smartney.pl: 17 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Smartney | Wannacash ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Smartney Grupa Oney S.A. | 7eBiz International SL |
| Headquarters | Poland | Spain |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Smartney | Wannacash ES | Median |
|---|---|---|---|
| APR | 17.11% to 36.19%above the median | Not confirmed | 8.99 |
| Term | 4 to 120 monthshighest quarter | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Smartney
Pros
- Payouts usually land in minutes, and same-day funding is offered
- Free early repayment, so clearing part of the balance early costs nothing extra
- Amounts of PLN 1,000 to PLN 150,000 over terms of 4 to 120 cover personal, consolidation, car and business lending
Cons
- Credit checks are hard, so a rejected application can leave a mark on the credit file
- Costs sit high, with the representative example at the top of the 17.11% to 36.19% range
- The rate type is variable, so the cost can move over the term
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
Smartney
Who it suits
- Borrowers with a bank account in Poland who need the money quickly
- Anyone consolidating several debts into a single instalment
- Drivers and homeowners funding a car or home improvement work
Who should look elsewhere
- Cost-first borrowers, since Monzo Flex lists 10% to 23% and Cashspace ES lists 0%
- Anyone wanting a locked instalment, because the rate type here is variable
- Borrowers who cannot pass a credit check that is hard
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
Smartney
Current offer
Bonus
0 zł prowizji (Pożyczka w jednym palcu): 0 PLN commission for granting and servicing the loan
07.09.2026-31.10.2026, new customers who had no Smartney loan before, 10,000-20,000 PLN over 72-84 months, once per promotion; example RRSO 15.5%
Source, checked September 26, 2026
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 | Smartney | Wannacash ES |
|---|---|---|
| Poland | Yes | No |
| Spain | No | Yes |
Questions about each
Smartney
What does a Smartney loan cost?+
The representative APR is 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, and the rate type is variable rather than fixed. The published example sits at the dearer end of that range, so the total repayable figure is the number to check before you apply.
Is there an arrangement fee?+
There is a commission for granting and servicing the loan, charged together with the interest rather than taken as a separate upfront payment. The current promotion waives that commission, so on a promoted loan the interest is the only charge on top of what you borrow.
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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