Updated September 28, 2026 · BorrowCue Editorial Team
Upgrade vs Wannacash ES
What sets them apart
| Compare |  Upgrade |  Wannacash ES |
|---|---|---|
| Loan amount | $1,000 to $50,000 | €50 to €900 |
| Term | 24 to 84 monthsHigher | 1 month |
| Arrangement fee | 1.85%-9.99% one-time origination fee, deducted from loan proceeds | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Soft prequal | None |
| Funding time | Within 1 business day of clearing verifications | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Be a U.S. citizen, a permanent resident, or living in the U.S. on a valid visa; be at least 18 years old (or older where the majority age is higher); provide verifiable bank account information and a valid email address | 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, Secured, Car | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 7.74% to 35.99% | Not confirmed |
| Representative example | $10,000 unsecured personal loan, 36-month term, 17.59% APR including 13.94% yearly interest rate and 5% one-time origination fee; $9,500 received, $341.48 monthly payment, $12,293.46 total | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 1.85% to 9.99% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Upgrade scores higher overall: 9.2 vs 8.3.
- Term is higher at Upgrade: 24 to 84 months vs 1 month.
- Support channels: only Upgrade offers Help centre.
- Features: only Upgrade offers Credit line.
- Loan types: only Upgrade offers Debt consolidation.
- Loan types: only Wannacash ES offers Payday, Credit line, Business.
Our verdict on each
Upgrade
Upgrade lends directly through Upgrade, Inc. and suits US borrowers who want a fixed rate personal loan, debt consolidation or car finance with fast payout. Amounts run $1,000 to $50,000 over terms of 24 to 84 at a fixed rate, so the monthly figure is set at the start.
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 | Upgrade | Wannacash ES |
|---|---|---|
| Cost | 9.0 | Not confirmed |
| Offer | 9.3HigherAmounts of $1,000 to $50,000 over terms of 24 to 84 at a fixed rate, fee taken from the payout. | 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 |
Feature by feature
| Loan types | Upgrade | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
Positions in our rankings
| Ranking | Upgrade | Wannacash ES |
|---|---|---|
| Personal loans | 91 of 1932 | 23 of 1932 |
| Secured loans | 15 of 472 | 3 of 472 |
| Car loans | 22 of 431 | 7 of 431 |
If neither fits
Sofkredit has term at 6 to 240 months, against 24 to 84 months for Upgrade and 1 month for Wannacash ES.
Sofkredit reviewEvery fact side by side
| Fact | Upgrade | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Upgrade, Inc. | 7eBiz International SL |
| Headquarters | United States | Spain |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Upgrade | Wannacash ES | Median |
|---|---|---|---|
| APR | 7.74% to 35.99%below the median | Not confirmed | 8.99 |
| Term | 24 to 84 monthsabove the median | 1 monthlowest quarter | 60 |
| Origination fee (%) | 1.85% to 9.99%above the median | Not confirmed | 0.25 |
Median across 1005 listed lenders.
Pros and cons
Upgrade
Pros
- Borrowing is priced at a fixed rate, so the monthly payment holds for the life of the loan
- Amounts of $1,000 to $50,000 cover consolidation, car and home improvement plans as listed in personal, debt consolidation and secured
- Free early repayment lets you clear the balance ahead of schedule without a charge
Cons
- The arrangement fee of 1.85% to 9.99% is deducted from the payout, so a loan can arrive smaller than the amount approved
- The top of 7.74% to 35.99% is well above the site median of 12%, so a thin credit file lands at the expensive end
- Eligibility is limited to US citizens, permanent residents or people in the US on a valid visa who can provide verifiable bank details
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
Upgrade
Who it suits
- US residents who want a fixed rate held across the whole term, as fixed shows
- Borrowers consolidating several balances into a single monthly payment
- Car buyers and home improvement planners, the two uses named in home improvement and personal, debt consolidation and secured
Who should look elsewhere
- Borrowers outside the US, since US is where the lender is based and licences are US only
- Anyone wanting a firm rate before a full application, given soft prequal is a soft prequal step
- People who want a fee paid after the fact, because the arrangement fee is taken from the amount borrowed
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 | Upgrade | Wannacash ES |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
Upgrade
What rate will I pay on an Upgrade personal loan?+
Pricing runs across 7.74% to 35.99% and is set at a fixed rate, so the monthly amount does not move once the loan starts. The top of that range is well above the site median of 12%, so your credit profile decides where you land.
Is there a fee for taking out an Upgrade loan?+
Yes, an arrangement fee of 1.85% to 9.99% applies to the loan. It is taken from the loan proceeds rather than added to your opening payment, which means the amount that reaches your account is smaller than the amount approved.
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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