Updated October 17, 2026 · SumCue Editorial Team
Credityes ES vs Wandoo ES
Credityes ES
Higher score in this comparison
Wandoo ES
Where Credityes ES and Wandoo ES differ
| Compare | Credityes ESReviewVisitVisit | Wandoo ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000Higher | €50 to €1,800 |
| Term | 2 to 36 monthsHigher | 7 to 35 months |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 0.00 EUR (no opening or study commission) |
| Funding time | Money in a few minutes after a positive decision | 24-48 hours after approval, depending on the bank |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 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 | Broker | Direct lender |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | 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 |
| Free early repayment | Not confirmed | No |
| Credit needed | Not confirmed | Fair |
Same on both: Origination fee (%) (0%), Loan types (Personal, Payday), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Credityes ES scores higher overall: 8.9 vs 8.8.
- APR is lower at Credityes ES: 0% to 36% vs 4,530.48% to 8,385.16%.
- Loan amount is higher at Credityes ES: €100 to €5,000 vs €50 to €1,800.
- Term is higher at Credityes ES: 2 to 36 months vs 7 to 35 months.
- Support channels: only Wandoo ES offers Phone, Help centre.
Our verdict on each
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
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 | Credityes ES | Wandoo ES |
|---|---|---|
| Cost | 9.7APR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | Not confirmed |
| Offer | 8.4 | 9.5Higher |
| Trust | 8.5Higher | 8.3 |
Availability and regulation
Available in 1 country for both.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Credityes ES and 4,530.48% to 8,385.16% for Wandoo ES.
FINANZCHECK.de reviewHow they place
| Ranking | Credityes ES | Wandoo ES |
|---|---|---|
| Loans | 13 of 2043 | 30 of 2043 |
| Personal loans | 10 of 1317 | 24 of 1317 |
| Payday and short-term loans | 2 of 233 | 11 of 233 |
Every fact side by side
| Fact | Credityes ES | Wandoo ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | SIA DoAff | WANDOO FINANCE, S.L.U. |
| Headquarters | Latvia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Wandoo ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €50 to €1,800lowest quarter | €40,000 |
| Term | 2 to 36 monthsbelow the median | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
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
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
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 | Credityes ES | Wandoo ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.
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.