Updated September 28, 2026 · SumCue Editorial Team
Finipay vs Wandoo
Finipay
Higher score in this comparison
Wandoo
What sets them apart
| Compare | FinipayReviewVisitVisit | WandooReviewVisitVisit |
|---|---|---|
| APR | 0% to 212%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €300 to €5,000Higher | €50 to €1,800 |
| Term | 3 to 60 monthsHigher | 7 to 35 months |
| Arrangement fee | 0 EUR | 0.00 EUR (no opening or study commission) |
| Funding time | Under 24 hours | 24-48 hours after approval, depending on the bank |
| Representative example | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% | 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 | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Payday, Personal |
| Credit needed | Poor | Fair |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | No |
Same on both: Origination fee (%) (0%), Use cases (Home improvement).
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Key differences
- Finipay scores higher overall: 9.0 vs 8.8.
- APR is lower at Finipay: 0% to 212% vs 4,530.48% to 8,385.16%.
- Loan amount is higher at Finipay: €300 to €5,000 vs €50 to €1,800.
- Term is higher at Finipay: 3 to 60 months vs 7 to 35 months.
- Loan types: only Finipay offers Debt consolidation, Car.
Our verdict on each
Finipay
Finipay suits Spanish residents with poor credit who need a small personal loan, with amounts from €300 to €5,000 and funding Under 24 hours. It is a broker rather than a lender: nothing is charged to open the loan, but the rate it quotes is the number to weigh against cheaper Spanish lenders.
Wandoo
Wandoo is a Spanish direct lender for small personal and payday loans, with an arrangement fee of 0.00 EUR (no opening or study commission) and an APR of 4,530.48% to 8,385.16%. It suits borrowers with verifiable regular income in Spain funding a home improvement, though early repayment is not free.
Score breakdown
| Area | Finipay | Wandoo |
|---|---|---|
| Cost | 9.7HigherAPR runs 0% to 212% and the representative example leaves the total repayable well above the amount borrowed. | 8.6Arrangement fee of 0.00 EUR (no opening or study commission) with APR of 4,530.48% to 8,385.16% at the cheap end of payday lending. |
| Offer | 8.9 | 8.9 |
| Trust | 8.5 | 8.9Higher |
Licences and countries
Available in 1 country for both.
How they place
| Ranking | Finipay | Wandoo |
|---|---|---|
| Loans | 22 of 2043 | 31 of 2043 |
| Personal loans | 18 of 1317 | 25 of 1317 |
| Payday and short-term loans | 7 of 233 | 12 of 233 |
Every fact side by side
| Fact | Finipay | Wandoo |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OU | Wandoo Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Finipay | Wandoo | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 9.99 |
| Loan amount | €300 to €5,000below the median | €50 to €1,800lowest quarter | €40,000 |
| Term | 3 to 60 monthsat 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
Finipay
Pros
- The origination fee is 0 EUR with 0% charged as a percentage, so no entry cost comes off the amount you borrow.
- Money reaches your account Under 24 hours, so a bill or an emergency does not wait on a long assessment.
- The credit needed is poor, so a thin file does not rule you out on paper.
Cons
- The rate is the weak spot: 0% to 212% runs well past the 10.74% to 18.06% that Sofkredit quotes in Spain.
- Finipay is a broker, so the final rate, the contract and the repayment terms sit with whichever partner lender accepts your application.
- Borrowing is capped: €300 to €5,000 and terms of 3 to 60 put anything larger out of reach, where Creduma ES starts at from €12,000.
Wandoo
Pros
- The arrangement fee is 0.00 EUR (no opening or study commission), so nothing sits on top of the interest at the point of borrowing.
- The quoted APR of 4,530.48% to 8,385.16% sits well below the payday median of 36.5% in the same category.
- The provider is a direct lender, so the borrower deals with the lender itself and not a broker.
Cons
- Free early repayment is not offered, so paying off the loan ahead of schedule does not save money.
- Pricing is variable, so the interest is not locked for the whole life of the loan.
- The check is hard and the credit needed is fair, so a thin credit history counts against a repeat application.
Who each suits
Finipay
Who it suits
- Adults who are residents of Spain with a DNI or NIE and a Spanish bank account held in their own name, who can show a mobile number and email.
- Borrowers with a poor credit file who need cash in a hurry and cannot wait for a mainstream bank's assessment.
- People who want personal, payday, debt consolidation or car borrowing arranged in one application and who will not be charged to open it.
Who should look elsewhere
- Anyone chasing a low, predictable rate: Sofkredit quotes 10.74% to 18.06% against Finipay's 0% to 212%.
- Anyone borrowing a larger sum, since Creduma ES starts at from €12,000, well above €300 to €5,000.
- Anyone who prices options across currencies: Cashspace quotes PHP 12 to PHP 36, so the two ranges are not like for like.
Wandoo
Who it suits
- Borrowers with verifiable regular income paid into a bank account at a Spanish entity who can show a valid DNI/NIE.
- People funding a single home improvement, the stated use of the payday and personal loans on offer.
- Applicants who can clear the balance inside a 7 to 35 term.
Who should look elsewhere
- Anyone living outside Spain, since eligibility asks for a bank account at a Spanish entity and residence in the country.
- Borrowers who want to settle early and keep the saving, since free early repayment is not offered.
- Anyone needing more than €50 to €1,800, where Creduma ES carries an amount of from €12,000 instead.
Current offers
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
Source, checked September 26, 2026
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
Country by country
| Country | Finipay | Wandoo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finipay
What rate will I pay on a Finipay loan?+
Finipay quotes 0% to 212% across the loans it brokers, which is a wide band rather than a single rate. The rate you pay is set by whichever partner lender accepts your application, so treat the top of that range as a realistic worst case. The published example is the clearest guide to what borrowing actually costs.
Is there a fee to open the loan?+
The origination fee is 0 EUR, with 0% charged as a percentage, so no entry cost is deducted from the amount you borrow. Cost still comes through the rate, not the opening charge, which is why 0% to 212% matters more here than the fee line.
Wandoo
What does it cost to borrow from Wandoo?+
The arrangement fee is 0.00 EUR (no opening or study commission), with no opening or study commission, so the interest rate is the whole charge. Wandoo quotes an APR of 4,530.48% to 8,385.16% on its short loans. Compare that with the representative example before accepting, because the rate rises sharply once a small sum is carried longer.
What does a Wandoo loan look like on the representative example?+
The published example lends a small sum over a term of about a month, and the total repayable comes out well above the amount borrowed, with interest a large share of the bill. Read it as a bridging cost for a single job, since the rate is variable and the balance shrinks slowly.