Updated October 17, 2026 · SumCue Editorial Team
Credigenio ES vs Wandoo ES
Credigenio ES
Wandoo ES
Higher score in this comparison
What sets them apart
| Compare | Credigenio ESReviewVisitVisit | Wandoo ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 317%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €50 to €5,000Higher | €50 to €1,800 |
| Term | 3 to 4 months | 7 to 35 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0.00 EUR (no opening or study commission) |
| Funding time | Same day - money can be in your account today | 24-48 hours after approval, depending on the bank |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll required | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Loan types (Personal, Payday), Credit needed (Fair).
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Key differences
- Wandoo ES scores higher overall: 8.8 vs 8.7.
- APR is lower at Credigenio ES: 0% to 317% vs 4,530.48% to 8,385.16%.
- Free early repayment: only Credigenio ES.
- Loan amount is higher at Credigenio ES: €50 to €5,000 vs €50 to €1,800.
- Term is higher at Wandoo ES: 7 to 35 months vs 3 to 4 months.
- Support channels: only Wandoo ES offers Phone.
Our verdict on each
Credigenio ES
Credigenio ES suits borrowers in Spain who need a small amount quickly and can clear it fast. The offer runs from €50 to €5,000 over 3 to 4 at an APR of 0% to 317%, with 0 EUR - no application, opening or management fee. The rate is the part to read twice before applying.
Wandoo ES
Wandoo provides online payday and personal loans for households in Spain that need small extra credit. It suits residents with Spanish identity documents who prefer a fully online application with secure identity verification and Spanish language assistance throughout the process with clear information.
Score breakdown
| Area | Credigenio ES | Wandoo ES |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 9.5Higher |
| Trust | 8.1 | 8.3Higher |
Choosing between them
Pick Credigenio ES if apr, loan amount, and free early repayment matter most.
Pick Wandoo ES if offer and term matter most.
Where these facts come from
Credigenio ES
- credigenio.es: 15 facts, checked September 26, 2026
Wandoo ES
- wandoo.es: 19 facts, checked September 26, 2026
How they place
| Ranking | Credigenio ES | Wandoo ES |
|---|---|---|
| Loans | 15 of 2043 | 30 of 2043 |
| Personal loans | 12 of 1317 | 24 of 1317 |
| Payday and short-term loans | 3 of 233 | 11 of 233 |
Every fact side by side
| Fact | Credigenio ES | Wandoo ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Adwells Group OÜ (registration number 17379392) | WANDOO FINANCE, S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Wandoo ES | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 9.99 |
| Loan amount | €50 to €5,000below the median | €50 to €1,800lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Credigenio ES
Pros
- No application, opening or management charge: 0 EUR - no application, opening or management fee.
- Money can arrive the same day you apply: Same day - money can be in your account today.
- Free early repayment, so clearing the balance early costs nothing extra.
Cons
- The APR range of 0% to 317% puts the cost far above a typical personal loan rate of 15.5%.
- Support runs on email and help centre only, with no phone line or live chat.
- Terms of 3 to 4 leave little room to spread a larger bill over a longer period.
Wandoo ES
Pros
- Operates entirely online with encrypted identity checks that protect personal data.
- Operates in Spain since 2017 and reports more than a million loans granted.
- Belongs to a Spanish microloan association and follows an online trust code.
Cons
- Serves only residents in Spain, which limits availability across Europe.
- Works only online, so applicants cannot visit a branch in person.
- Covers only payday and personal loans for punctual needs.
Who each suits
Credigenio ES
Who it suits
- Borrowers living in Spain with a Spanish bank account and demonstrable income who need cash the same day.
- People who can clear the balance well inside 3 to 4 and want to pay nothing for settling early.
- Anyone who treats a no-fee application as the priority, since 0 EUR - no application, opening or management fee rules out setup charges.
Who should look elsewhere
- Anyone wanting a large sum: €50 to €5,000 is far below from €12,000.
- Borrowers who compare rate first, because the APR of 0% to 317% sits above the 36.5% typical of payday loans.
- People who want to talk to someone on the phone, since support runs on email and help centre only, or who would rather use a lender such as Sofkredit with an APR of 10.74% to 18.06%.
Wandoo ES
Who it suits
- Residents in Spain who prefer fully online applications
- Households seeking small credit for punctual needs
Who should look elsewhere
- People outside Spain or seeking in person service
- Borrowers wanting long term banking products
Current offers
Credigenio ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
Source, checked September 26, 2026
Wandoo ES
Current offer
Discount code
Tu primer prestamo o credito de 250-300 EUR a 0% TAE: 0% TAE
primer prestamo o credito de 250-300 EUR, sin demora en la devolucion; simulacion no vinculante
Source, checked September 26, 2026
Country by country
| Country | Credigenio ES | Wandoo ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credigenio ES
How much does a loan from Credigenio ES cost?+
There is no application, opening or management charge, since 0 EUR - no application, opening or management fee applies. All of the cost sits in the interest, with the APR running from 0% to 317%. The representative example puts the total repayable figure well above the amount borrowed, so the added cost is the price of the loan.
What is the fastest I can get money from Credigenio ES?+
Funding time is Same day - money can be in your account today, which is the main appeal of the service. The same day speed applies to approved applications, so if you need cash for a same day payment this is one of the few routes to it. You will need your own account at a Spanish bank for the transfer to land.
Wandoo ES
What products does Wandoo provide?+
Wandoo provides online payday and personal loans for private needs. The request runs fully online and asks for identity details with email and phone contact. Identity passes through secure verification that keeps banking credentials with the authorised provider.
Where does Wandoo operate?+
Wandoo operates in Spain and directs its online loans to people who live there. The application asks for a Spanish identity document together with email and phone contact. Communication runs in Spanish and reflects membership of national microloan and online trust bodies.