Updated September 28, 2026 · BorrowCue Editorial Team
Vivus ES vs Wannacash ES
What sets them apart
| Compare |  Vivus ES |  Wannacash ES |
|---|---|---|
| Loan amount | €50 to €1,400Higher | €50 to €900 |
| Term | 7 to 30 monthsHigher | 1 month |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | up to 15 minutes after approval | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Payday, Personal | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| APR | 0% to 3,752.4% | Not confirmed |
| Representative example | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.3.
- Loan amount is higher at Vivus ES: €50 to €1,400 vs €50 to €900.
- Term is higher at Vivus ES: 7 to 30 months vs 1 month.
- Support channels: only Vivus ES offers Help centre.
- Features: only Vivus ES offers Credit line.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
Vivus ES
Vivus ES suits adults in Spain covering a short gap who need money the same day and will clear the balance fast. The catch is price: the representative example shows an annual cost that would dwarf a longer personal loan, and free early repayment is no.
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 | Vivus ES | Wannacash ES |
|---|---|---|
| Cost | 9.2Origination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. | Not confirmed |
| Offer | 8.8Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.9Higher | 8.3 |
What each covers
| Loan types | Vivus ES | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
Where each is licensed and available
Available in 1 country for both.
How they place
| Ranking | Vivus ES | Wannacash ES |
|---|---|---|
| Personal loans | 25 of 1932 | 23 of 1932 |
| Payday and short-term loans | 10 of 246 | 8 of 246 |
Every fact side by side
| Fact | Vivus ES | Wannacash ES |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Vivus Financial Services, S.A.U. | 7eBiz International SL |
| Headquarters | Spain | Spain |
| Founded | 2013 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Vivus ES | Wannacash ES | Median |
|---|---|---|---|
| APR | 0% to 3,752.4%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €50 to €1,400lowest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 7 to 30 monthsbelow the median | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Vivus ES
Pros
- No origination charge, with fees of 0 EUR and 0% on payday and personal loans
- Funding lands up to 15 minutes after approval, so a same day loan is realistic
- Direct lender, so direct lender means you deal with one company from application to repayment
Cons
- APR reaches 0% to 3,752.4%, and the representative example pairs a small loan with a very high annual cost
- Free early repayment is no, so settling early does not earn a rebate
- Loan amounts top out at €50 to €1,400, which limits what the product can cover
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
Vivus ES
Who it suits
- Adults living in Spain with a Spanish bank account and no pending payments or debts
- Borrowers facing a short term expense they can clear within 7 to 30
- People who value quick access to cash more than a long term
Who should look elsewhere
- Anyone planning to carry the balance for a long period, since free early repayment is no and APR runs to 0% to 3,752.4%
- Borrowers who want a large sum, because amounts stop at €50 to €1,400
- Those who need a soft check, since the credit search here 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
Vivus ES
Current offer
First period offer
Primer prestamo de hasta 300 EUR sin intereses ni comisiones: 300 EUR, TAE 0%
Only for a first loan, repaid within a maximum of 30 days; approval subject to the lender's criteria
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 | Vivus ES | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Vivus ES
How much does a Vivus ES loan cost?+
The annual percentage rate runs from 0% to 3,752.4%, and the representative example shows a small loan over a single term generating a large slice of interest on top of the amount borrowed. There is no origination charge, since fees are 0 EUR and 0%. Cost is driven by the rate and the short term rather than by upfront charges.
Is there a fee for taking out a Vivus ES loan?+
No origination fee is listed: the fee is 0 EUR with a percentage of 0% for both the payday and personal loan. You still pay interest on top, and the representative example shows how much the rate adds to a small loan taken over a short term. Read the annual figure before borrowing, because that is where the cost sits.
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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