Updated September 28, 2026 · BorrowCue Editorial Team
Wandoo vs Youmoney ES
Where Wandoo and Youmoney ES differ
| Compare |  Wandoo |  Youmoney ES |
|---|---|---|
| APR | 4,530.48% to 8,385.16% | 0% to 349%Lower |
| Loan amount | €50 to €1,800Higher | €50 to €1,000 |
| Term | 7 to 35 months | 0.23 to 36 monthsHigher |
| Arrangement fee | 0.00 EUR (no opening or study commission) | 0 EUR |
| Funding time | 24-48 hours after approval, depending on the bank | 15 minutes to 24 hours |
| 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 | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| 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 | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Payday, Personal | Personal, Payday, SecuredCovers more |
| Credit needed | Fair | Poor |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Variable).
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Key differences
- Youmoney ES scores higher overall: 8.9 vs 8.7.
- APR is lower at Youmoney ES: 0% to 349% vs 4,530.48% to 8,385.16%.
- Loan amount is higher at Wandoo: €50 to €1,800 vs €50 to €1,000.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 7 to 35 months.
- Support channels: only Wandoo offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Youmoney ES offers Secured.
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Wandoo | Youmoney 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%. | 9.9Higher |
| Offer | 8.8Higher | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.8Higher | 8.3 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Wandoo
44,804.8 to 83,351.6
44,804.8 to 83,351.6
Youmoney ES
0 to 2,997.64
0 to 2,997.64
Youmoney ES comes out 44,804.8 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
Available in 1 country for both.
Ranges side by side
| Fact | Wandoo | Youmoney ES |
|---|---|---|
| APR | 4,530.48% to 8,385.16% | 0% to 349% |
| Loan amount | €50 to €1,800 | €50 to €1,000 |
| Term | 7 to 35 months | 0.23 to 36 months |
How they place
| Ranking | Wandoo | Youmoney ES |
|---|---|---|
| Personal loans | 26 of 1932 | 31 of 1932 |
| Payday and short-term loans | 11 of 246 | 13 of 246 |
| Loans for bad credit | 15 of 275 | 18 of 275 |
Every fact side by side
| Fact | Wandoo | Youmoney ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Wandoo Finance S.L.U. | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Wandoo | Youmoney ES | Median |
|---|---|---|---|
| APR | 4,530.48% to 8,385.16%highest quarter | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €50 to €1,800lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 7 to 35 monthsbelow the median | 0.23 to 36 monthsbelow the median | 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.
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
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%.
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Wandoo | Youmoney 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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.