Updated September 28, 2026 · BorrowCue Editorial Team
Wandoo vs Wannacash ES
Wandoo vs Wannacash ES: the differences
| Compare |  Wandoo |  Wannacash ES |
|---|---|---|
| Loan amount | €50 to €1,800Higher | €50 to €900 |
| Term | 7 to 35 monthsHigher | 1 month |
| Arrangement fee | 0.00 EUR (no opening or study commission) | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | 24-48 hours after approval, depending on the bank | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile | 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 |
| Credit needed | Fair | Poor |
| APR | 4,530.48% to 8,385.16% | Not confirmed |
| Representative example | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Wandoo scores higher overall: 8.7 vs 8.3.
- Loan amount is higher at Wandoo: €50 to €1,800 vs €50 to €900.
- Term is higher at Wandoo: 7 to 35 months vs 1 month.
- Support channels: only Wandoo offers Help centre.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
Wandoo
Wandoo suits borrowers in Spain who want a small, short loan with no opening or study commission. The catch is the rate: an APR of 4,530.48% to 8,385.16% sits well above the personal loan median of 12.25%, and early repayment carries a charge.
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 | Wandoo | Wannacash ES |
|---|---|---|
| Cost | 8.6Origination fee of 0.00 EUR (no opening or study commission) and no free early repayment, against an APR of 4,530.48% to 8,385.16%. | 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 | 8.8Higher | 8.3 |
From lowest to highest
| Fact | Wandoo | Wannacash ES |
|---|---|---|
| Loan amount | €50 to €1,800 | €50 to €900 |
Pick Wandoo if, pick Wannacash ES if
Pick Wandoo if offer, trust, loan amount, and term matter most.
Pick Wannacash ES if loan types matter most.
How they place
| Ranking | Wandoo | Wannacash ES |
|---|---|---|
| Personal loans | 26 of 1932 | 23 of 1932 |
| Payday and short-term loans | 11 of 246 | 8 of 246 |
| Loans for bad credit | 15 of 275 | 14 of 275 |
Every fact side by side
| Fact | Wandoo | Wannacash ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Wandoo Finance S.L.U. | 7eBiz International SL |
| Headquarters | Spain | Spain |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Wandoo | Wannacash ES | Median |
|---|---|---|---|
| APR | 4,530.48% to 8,385.16%highest quarter | Not confirmed | 8.99 |
| Loan amount | €50 to €1,800lowest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 7 to 35 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
Wandoo
Pros
- No opening or study commission, with an origination fee of 0.00 EUR (no opening or study commission) on the payday and personal loans.
- Repayment follows the income cycle: €50 to €1,800 over 7 to 35, which suits a bill that clears next month rather than a multi year plan.
- Fixed monthly cost from a direct lender, direct lender, so the terms sit with one counterparty instead of a broker chain.
Cons
- The APR of 4,530.48% to 8,385.16% is far above the payday loan median of 36.5%, and the top of the range reaches 4,530.48% to 8,385.16%.
- Free early repayment is no, so clearing the loan early still carries a charge.
- The amount ceiling of €50 to €1,800 is small next to the home improvement median of €1,000, so a large renovation needs another lender.
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
Wandoo
Who it suits
- Adults resident in Spain with a valid DNI/NIE, a Spanish bank account and verifiable regular income.
- Borrowers covering a short term expense, home improvement is the stated use.
- People whose credit file stands at a fair level and who can handle a hard credit check.
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is no.
- Borrowers needing a long repayment period, as 7 to 35 is short.
- Readers comparing against Monzo Flex, where an APR of 10% to 23% sits far below 4,530.48% to 8,385.16%.
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
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
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 | Wandoo | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Wandoo
What does a Wandoo loan cost?+
The published APR is 4,530.48% to 8,385.16% and the rate is variable. There is no opening or study commission, the origination fee being 0.00 EUR (no opening or study commission), so the interest rate does most of the work in setting what you repay. The representative example shows the annual cost clearly once the short term is taken into account.
Are there arrangement or opening fees?+
The origination fee is 0.00 EUR (no opening or study commission), and there is no opening or study commission on the payday or personal loans. Interest on the amount borrowed is the main cost, and the rate is variable, so it can move with the reference rate.
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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