Updated September 28, 2026 · BorrowCue Editorial Team
Wannacash ES vs Youmoney ES
What sets them apart
| Compare |  Wannacash ES |  Youmoney ES |
|---|---|---|
| Loan amount | €50 to €900 | €50 to €1,000Higher |
| Term | 1 month | 0.23 to 36 monthsHigher |
| Arrangement fee | 0 EUR - WannaCash charges the applicant nothing | 0 EUR |
| Credit check | None | Hard |
| Funding time | Money in the account in under 15 minutes after approval; usually same day as the application | 15 minutes to 24 hours |
| Eligibility | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more | Personal, Payday, Secured |
| APR | Not confirmed | 0% to 349% |
| Representative example | Not confirmed | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Rate type | Not confirmed | Variable |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Youmoney ES scores higher overall: 8.9 vs 8.3.
- Loan amount is higher at Youmoney ES: €50 to €1,000 vs €50 to €900.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 1 month.
- Support channels: only Wannacash ES offers Phone.
- Support channels: only Youmoney ES offers Chat, Help centre.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
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.
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 | Wannacash ES | Youmoney ES |
|---|---|---|
| Cost | Not confirmed | 9.9 |
| Offer | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. | 8.5HigherBroker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.3 | 8.3 |
Feature by feature
| Loan types | Wannacash ES | Youmoney ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
A third option
Sofkredit has term at 6 to 240 months, against 1 month for Wannacash ES and 0.23 to 36 months for Youmoney ES.
Sofkredit reviewHow they place
| Ranking | Wannacash ES | Youmoney ES |
|---|---|---|
| Personal loans | 23 of 1932 | 31 of 1932 |
| Payday and short-term loans | 8 of 246 | 13 of 246 |
| Loans for bad credit | 14 of 275 | 18 of 275 |
| Secured loans | 3 of 472 | 4 of 472 |
Every fact side by side
| Fact | Wannacash ES | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | 7eBiz International SL | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Support channels | Email, Phone | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Wannacash ES | Youmoney ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €50 to €900lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 1 monthlowest quarter | 0.23 to 36 monthsbelow the median | 60 months |
Median across 1005 listed lenders.
Pros and cons
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.
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
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.
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
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
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 | Wannacash ES | Youmoney ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
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.
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